Volkswagen (VW) Polo insurance group and costs

Compare car insurance costs for your VW Polo by age and location.

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The Volkswagen Polo is a supermini car produced by the German manufacturer since 1975: a perfect example of the efficient vehicles that Volkswagen are known for. In this guide, we’ll look at car insurance costs for the VW Polo and how you could save on your premiums.

Volkswagen Polo insurance cost by driver’s age

Model / Version Group (1-50) 20yrs 30yrs 40yrs 50yrs Get quote
S 1.0 65PS 5d 1 £1,232 £689 £668 £599 Get Quote
S 1.0 Evo 65PS 5d 1 £1,232 £689 £668 £599 Get Quote
S 1.0 Evo 80PS 5d 1 £1,232 £689 £668 £599 Get Quote
SE 1.0 65PS 5d 1 £1,232 £689 £668 £599 Get Quote
SE 1.0 75PS 5d 1 £1,232 £689 £668 £599 Get Quote
SE 1.0 80PS 5d 1 £1,232 £689 £668 £599 Get Quote
SE 1.0 Evo 65PS 5d 1 £1,232 £689 £668 £599 Get Quote
Beats 1.0 65PS 5d 1 £1,232 £689 £668 £599 Get Quote
Beats 1.0 80PS 5d 1 £1,232 £689 £668 £599 Get Quote
Beats 1.0 Evo 65PS 5d 1 £1,232 £689 £668 £599 Get Quote
Beats 1.0 75PS 5d 2 £1,162 £548 £533 £517 Get Quote
1.2 S (AC) 3d 3 £1,085 £520 £500 £480 Get Quote
1.2 S 3d 3 £1,085 £520 £500 £480 Get Quote
1.2 S (AC) 5d 4 £1,422 £559 £542 £516 Get Quote
1.2 Moda (AC) 3d 4 £1,422 £559 £542 £516 Get Quote
1.2 MODA (AC) 5d 4 £1,422 £559 £542 £516 Get Quote
1.2 Moda 3d 4 £1,422 £559 £542 £516 Get Quote
1.2 MODA 5d 4 £1,422 £559 £542 £516 Get Quote
1.2 S 5d 4 £1,422 £559 £542 £516 Get Quote
1.2 SE 3d 4 £1,422 £559 £542 £516 Get Quote
1.2 SE 5d 4 £1,422 £559 £542 £516 Get Quote
1.2 (60bhp) Match 3d 4 £1,422 £559 £542 £516 Get Quote
1.2 (60bhp) Match 5d 4 £1,422 £559 £542 £516 Get Quote
1.2 (70bhp) S (AC) 5d 5 £1,035 £493 £481 £472 Get Quote
1.2 (70bhp) S 3d 5 £1,035 £493 £481 £472 Get Quote
1.2 (70bhp) S 5d 5 £1,035 £493 £481 £472 Get Quote
1.2 (60bhp) R Line Style (AC) 3d 5 £1,035 £493 £481 £472 Get Quote
1.2 (60bhp) R Line Style (AC) 5d 5 £1,035 £493 £481 £472 Get Quote
1.2 (60bhp) R Line Style 3d 5 £1,035 £493 £481 £472 Get Quote
1.2 (60bhp) R Line Style 5d 5 £1,035 £493 £481 £472 Get Quote
1.2 (70bhp) Moda (AC) 3d 5 £1,035 £493 £481 £472 Get Quote
1.2 (70bhp) MODA (AC) 5d 5 £1,035 £493 £481 £472 Get Quote
1.2 (70bhp) Moda 3d 5 £1,035 £493 £481 £472 Get Quote
1.2 (70bhp) MODA 5d 5 £1,035 £493 £481 £472 Get Quote
1.2 (70bhp) SE 3d 5 £1,035 £493 £481 £472 Get Quote
1.2 (70bhp) SE 5d 5 £1,035 £493 £481 £472 Get Quote
1.2 (60bhp) Match Edition 3d 5 £1,035 £493 £481 £472 Get Quote
1.2 (60bhp) Match Edition 5d 5 £1,035 £493 £481 £472 Get Quote
SE 1.6 TDI 80PS 5d 6 £1,619 £635 £603 £536 Get Quote
1.0 S 3d 6 £1,619 £635 £603 £536 Get Quote
1.0 S 5d 6 £1,619 £635 £603 £536 Get Quote
1.2 (70bhp) S (AC) 3d 6 £1,619 £635 £603 £536 Get Quote
1.2 (70bhp) Match 3d 6 £1,619 £635 £603 £536 Get Quote
1.2 (70bhp) Match 5d 6 £1,619 £635 £603 £536 Get Quote
Beats 1.6 TDI 80PS 5d 7 £1,784 £682 £636 £601 Get Quote
1.0 S (AC) 3d 7 £1,784 £682 £636 £601 Get Quote
1.0 S (AC) 5d 7 £1,784 £682 £636 £601 Get Quote
1.0 SE 3d 7 £1,784 £682 £636 £601 Get Quote
1.0 SE 5d 7 £1,784 £682 £636 £601 Get Quote
1.0 Match 3d 7 £1,784 £682 £636 £601 Get Quote
1.0 Match 5d 7 £1,784 £682 £636 £601 Get Quote
SE 1.0 TSI 95PS 5d 8 £1,331 £556 £546 £523 Get Quote
SE 1.0 TSI 95PS DSG auto 5d 8 £1,331 £556 £546 £523 Get Quote
R-Line 1.0 TSI 95PS 5d 8 £1,331 £556 £546 £523 Get Quote
Beats 1.0 TSI 95PS 5d 8 £1,331 £556 £546 £523 Get Quote
Beats 1.0 TSI 95PS DSG auto 5d 8 £1,331 £556 £546 £523 Get Quote
1.2 (70bhp) R Line Style (AC) 3d 8 £1,331 £556 £546 £523 Get Quote
1.2 (70bhp) R Line Style (AC) 5d 8 £1,331 £556 £546 £523 Get Quote
1.2 (70bhp) R Line Style 3d 8 £1,331 £556 £546 £523 Get Quote
1.2 (70bhp) R Line Style 5d 8 £1,331 £556 £546 £523 Get Quote
1.0 SE Design 3d 8 £1,331 £556 £546 £523 Get Quote
1.0 SE Design 5d 8 £1,331 £556 £546 £523 Get Quote
1.2 (70bhp) Match Edition 3d 8 £1,331 £556 £546 £523 Get Quote
1.2 (70bhp) Match Edition 5d 8 £1,331 £556 £546 £523 Get Quote
Match Edition 1.0 BMT 60PS 3d 8 £1,331 £556 £546 £523 Get Quote
Match Edition 1.0 BMT 60PS 5d 8 £1,331 £556 £546 £523 Get Quote
Beats 1.0 BMT 60PS 3d 8 £1,331 £556 £546 £523 Get Quote
Beats 1.0 BMT 60PS 5d 8 £1,331 £556 £546 £523 Get Quote
SEL 1.6 TDI 95PS 5d 9 £1,313 £532 £525 £489 Get Quote
1.2 TDI Bluemotion 3d 9 £1,313 £532 £525 £489 Get Quote
1.2 TDI Bluemotion 5d 9 £1,313 £532 £525 £489 Get Quote
1.2 TDI SE 3d 9 £1,313 £532 £525 £489 Get Quote
1.2 TDI SE 5d 9 £1,313 £532 £525 £489 Get Quote
1.4 SE 3d 9 £1,313 £532 £525 £489 Get Quote
1.4 SE 3d DSG 9 £1,313 £532 £525 £489 Get Quote
1.4 SE 5d 9 £1,313 £532 £525 £489 Get Quote
1.4 SE 5d DSG 9 £1,313 £532 £525 £489 Get Quote
1.4 SEL 3d 9 £1,313 £532 £525 £489 Get Quote
1.4 SEL 3d DSG 9 £1,313 £532 £525 £489 Get Quote
1.4 SEL 5d 9 £1,313 £532 £525 £489 Get Quote
1.4 SEL 5d DSG 9 £1,313 £532 £525 £489 Get Quote
1.2 TDI BlueMotion (Sensor Pack) 3d 9 £1,313 £532 £525 £489 Get Quote
1.2 TDI BlueMotion (Sensor Pack) 5d 9 £1,313 £532 £525 £489 Get Quote
1.0 (75bhp) Match 3d 9 £1,313 £532 £525 £489 Get Quote
1.0 (75bhp) Match 5d 9 £1,313 £532 £525 £489 Get Quote
1.2 TDI Match 3d 9 £1,313 £532 £525 £489 Get Quote
1.2 TDI Match 5d 9 £1,313 £532 £525 £489 Get Quote
1.4 Match 3d 9 £1,313 £532 £525 £489 Get Quote
1.4 Match 3d DSG 9 £1,313 £532 £525 £489 Get Quote
1.4 Match 5d 9 £1,313 £532 £525 £489 Get Quote
1.4 Match 5d DSG 9 £1,313 £532 £525 £489 Get Quote
1.2 TDI Match Edition 3d 9 £1,313 £532 £525 £489 Get Quote
1.2 TDI Match Edition 5d 9 £1,313 £532 £525 £489 Get Quote
Match Edition 1.0 BMT 75PS 3d 9 £1,313 £532 £525 £489 Get Quote
Match Edition 1.0 BMT 75PS 5d 9 £1,313 £532 £525 £489 Get Quote
1.0 (75bhp) SE 3d 10 £1,681 £634 £618 £570 Get Quote
1.0 (75bhp) SE 5d 10 £1,681 £634 £618 £570 Get Quote
1.6 TDI CR SE 3d 10 £1,681 £634 £618 £570 Get Quote
1.6 TDI CR SE 5d 10 £1,681 £634 £618 £570 Get Quote
1.0 (75bhp) SE Design 3d 10 £1,681 £634 £618 £570 Get Quote
1.0 (75bhp) SE Design 5d 10 £1,681 £634 £618 £570 Get Quote
Beats 1.0 BMT 75PS 3d 10 £1,681 £634 £618 £570 Get Quote
Beats 1.0 BMT 75PS 5d 10 £1,681 £634 £618 £570 Get Quote
SEL 1.0 TSI 115PS 5d 11 £1,889 £692 £667 £598 Get Quote
SEL 1.0 TSI 115PS DSG auto 5d 11 £1,889 £692 £667 £598 Get Quote
1.4 Match Edition 3d 11 £1,889 £692 £667 £598 Get Quote
1.4 Match Edition 3d DSG 11 £1,889 £692 £667 £598 Get Quote
1.4 Match Edition 5d 11 £1,889 £692 £667 £598 Get Quote
1.4 Match Edition 5d DSG 11 £1,889 £692 £667 £598 Get Quote
R-Line 1.0 TSI 115PS 5d 12 £2,056 £681 £674 £597 Get Quote
R-Line 1.0 TSI 115PS DSG auto 5d 12 £2,056 £681 £674 £597 Get Quote
1.4 TDI SE 3d 13 £2,124 £697 £683 £644 Get Quote
1.4 TDI SE 5d 13 £2,124 £697 £683 £644 Get Quote
1.2 TSI (105bhp) SEL (Sensor Pack) 3d 13 £2,124 £697 £683 £644 Get Quote
1.2 TSI (105bhp) SEL (Sensor Pack) 5d 13 £2,124 £697 £683 £644 Get Quote
1.2 TSI (105bhp) SEL 3d 13 £2,124 £697 £683 £644 Get Quote
1.2 TSI (105bhp) SEL 5d 13 £2,124 £697 £683 £644 Get Quote
1.6 TDI (90bhp) SEL (Sensor Pack) 3d 13 £2,124 £697 £683 £644 Get Quote
1.6 TDI (90bhp) SEL (Sensor Pack) 5d 13 £2,124 £697 £683 £644 Get Quote
1.6 TDI CR (90bhp) SEL 3d 13 £2,124 £697 £683 £644 Get Quote
1.6 TDI CR (90bhp) SEL 5d 13 £2,124 £697 £683 £644 Get Quote
1.4 TDI SE Design 3d 13 £2,124 £697 £683 £644 Get Quote
1.4 TDI SE Design 5d 13 £2,124 £697 £683 £644 Get Quote
1.4 TDI (75bhp) Match 3d 13 £2,124 £697 £683 £644 Get Quote
1.4 TDI (75bhp) Match 5d 13 £2,124 £697 £683 £644 Get Quote
Match Edition 1.4 TDI 75PS 3d 13 £2,124 £697 £683 £644 Get Quote
Match Edition 1.4 TDI 75PS 5d 13 £2,124 £697 £683 £644 Get Quote
1.2 TSI (105bhp) R Line (Sensor Pack) 3d 14 £2,212 £705 £690 £660 Get Quote
1.2 TSI (105bhp) R Line (Sensor Pack) 5d 14 £2,212 £705 £690 £660 Get Quote
1.2 TSI (105bhp) R Line 3d 14 £2,212 £705 £690 £660 Get Quote
1.2 TSI (105bhp) R Line 5d 14 £2,212 £705 £690 £660 Get Quote
Beats 1.4 TDI BMT 75PS 3d 14 £2,212 £705 £690 £660 Get Quote
Beats 1.4 TDI BMT 75PS 5d 14 £2,212 £705 £690 £660 Get Quote
1.2 TSI SE 3d 15 £1,769 £668 £649 £586 Get Quote
1.2 TSI SE 3d DSG 15 £1,769 £668 £649 £586 Get Quote
1.2 TSI SE 5d 15 £1,769 £668 £649 £586 Get Quote
1.2 TSI SE 5d DSG 15 £1,769 £668 £649 £586 Get Quote
1.4 TDI (90bhp) SEL 3d 15 £1,769 £668 £649 £586 Get Quote
1.4 TDI (90bhp) SEL 5d 15 £1,769 £668 £649 £586 Get Quote
1.2 TSI SE Design 3d 15 £1,769 £668 £649 £586 Get Quote
1.2 TSI SE Design 3d DSG 15 £1,769 £668 £649 £586 Get Quote
1.2 TSI SE Design 5d 15 £1,769 £668 £649 £586 Get Quote
1.2 TSI SE Design 5d DSG 15 £1,769 £668 £649 £586 Get Quote
1.4 TDI BlueMotion 3d 15 £1,769 £668 £649 £586 Get Quote
1.4 TDI BlueMotion 5d 15 £1,769 £668 £649 £586 Get Quote
1.2 TSI Match 3d 15 £1,769 £668 £649 £586 Get Quote
1.2 TSI Match 3d DSG 15 £1,769 £668 £649 £586 Get Quote
1.2 TSI Match 5d 15 £1,769 £668 £649 £586 Get Quote
1.2 TSI Match 5d DSG 15 £1,769 £668 £649 £586 Get Quote
Match Edition 1.2 TSI BMT 90PS 3d 15 £1,769 £668 £649 £586 Get Quote
Match Edition 1.2 TSI BMT 90PS 5d 15 £1,769 £668 £649 £586 Get Quote
Match Edition 1.2 TSI BMT 90PS DSG auto 3d 15 £1,769 £668 £649 £586 Get Quote
Match Edition 1.2 TSI BMT 90PS DSG auto 5d 15 £1,769 £668 £649 £586 Get Quote
1.2 TSI R Line 3d 15 £1,769 £668 £649 £586 Get Quote
1.2 TSI R Line 5d 15 £1,769 £668 £649 £586 Get Quote
Beats 1.2 TSI BMT 90PS 3d 15 £1,769 £668 £649 £586 Get Quote
Beats 1.2 TSI BMT 90PS 5d 15 £1,769 £668 £649 £586 Get Quote
Beats 1.2 TSI BMT 90PS DSG auto 3d 15 £1,769 £668 £649 £586 Get Quote
Beats 1.2 TSI BMT 90PS DSG auto 5d 15 £1,769 £668 £649 £586 Get Quote
1.0 TSI BlueMotion 3d 16 £1,562 £639 £614 £535 Get Quote
1.0 TSI BlueMotion 5d 16 £1,562 £639 £614 £535 Get Quote
1.4 TDI (90bhp) R Line 3d 16 £1,562 £639 £614 £535 Get Quote
1.4 TDI (90bhp) R Line 5d 16 £1,562 £639 £614 £535 Get Quote
1.0 (110bhp) SEL 3d 18 £1,498 £607 £571 £518 Get Quote
1.0 (110bhp) SEL 3d DSG 18 £1,498 £607 £571 £518 Get Quote
1.0 (110bhp) SEL 5d 18 £1,498 £607 £571 £518 Get Quote
1.0 (110bhp) SEL 5d DSG 18 £1,498 £607 £571 £518 Get Quote
1.0 (110bhp) R Line 3d 18 £1,498 £607 £571 £518 Get Quote
1.0 (110bhp) R Line 3d DSG 18 £1,498 £607 £571 £518 Get Quote
1.0 (110bhp) R Line 5d 18 £1,498 £607 £571 £518 Get Quote
1.0 (110bhp) R Line 5d DSG 18 £1,498 £607 £571 £518 Get Quote
1.2 TSI (110bhp) SEL 3d 19 £1,914 £699 £688 £648 Get Quote
1.2 TSI (110bhp) SEL 3d DSG 19 £1,914 £699 £688 £648 Get Quote
1.2 TSI (110bhp) SEL 5d 19 £1,914 £699 £688 £648 Get Quote
1.2 TSI (110bhp) SEL 5d DSG 19 £1,914 £699 £688 £648 Get Quote
1.4 TSI (140bhp) BlueGT 3d 23 £2,904 £685 £678 £625 Get Quote
1.4 TSI (140bhp) BlueGT 3d DSG 23 £2,904 £685 £678 £625 Get Quote
1.4 TSI (140bhp) BlueGT 5d 23 £2,904 £685 £678 £625 Get Quote
1.4 TSI (140bhp) BlueGT 5d DSG 23 £2,904 £685 £678 £625 Get Quote
1.4 TSI ACT BlueGT (Sensor Pack) 3d 23 £2,904 £685 £678 £625 Get Quote
1.4 TSI ACT BlueGT (Sensor Pack) 3d DSG 23 £2,904 £685 £678 £625 Get Quote
1.4 TSI ACT BlueGT (Sensor Pack) 5d 23 £2,904 £685 £678 £625 Get Quote
1.4 TSI ACT BlueGT (Sensor Pack) 5d DSG 23 £2,904 £685 £678 £625 Get Quote
1.4 TSI ACT BlueGT 3d 23 £2,904 £685 £678 £625 Get Quote
1.4 TSI ACT BlueGT 3d DSG 23 £2,904 £685 £678 £625 Get Quote
1.4 TSI ACT BlueGT 5d 23 £2,904 £685 £678 £625 Get Quote
1.4 TSI ACT BlueGT 5d DSG 23 £2,904 £685 £678 £625 Get Quote
GTI 2.0 TSI 200PS DSG auto 5d 26 £2,369 £579 £550 £505 Get Quote
GTI+ 2.0 TSI 200PS DSG auto 5d 28 £3,217 £736 £708 £673 Get Quote

How much does it cost to insure a Volkswagen Polo?

To give you an idea of how much it could cost you to insure your car, we ran a number of quotes to find an average figure. Our results estimated that, on average, you could insure your VW Polo with a comprehensive policy for £64.09 a month, or an annual sum of £713.88.

However, this is just an average: your actual premium will depend on a number of factors, including the insurance group the car is in.

Volkswagen Polo insurance groups

Vehicles in the UK are categorised into insurance groups, ranging from 1 (the cheapest) to 50 (the most expensive), which partly determine the cost of your premium.

VW Polo models range from group 1 to group 28. This means the cost of insurance can vary significantly between various models, from the more affordable end of the spectrum to just into the pricier end of the range. For example, a 30-year-old driver in an average postcode could pay:

  • around £689 for cover on a Volkswagen Polo S 1.0 65PS 5d, which is in insurance group 1
  • or around £736 for a group 28 car like the Volkswagen Polo GTI+ 2.0 TSI 200PS DSG auto 5d

That’s a huge difference of more than £300 to insure the same make of car. This is due to a number of factors including the model’s engine size and price.

However, the insurance group isn’t the only factor determining the cost of your car insurance: one of the most important other factors is your age. The younger you are, the more risk you represent to insurers, and the more you’re likely to pay for insurance.

That’s why, in the table below, we show you the cost you’d be likely to pay at a few different ages.

Volkswagen Polo insurance cost by location

The table above shows the average cost of VW Polo insurance based on insurance groups and driver age. However, many other factors affect the cost of your car insurance premiums, and one of the biggest is where you are in the UK. Where you live helps determine the level of risk that your car may be stolen or that you’ll be involved in an accident, and this affects the cost of insurance.

To demonstrate the power of the postcode, here are some average quotes for a 30-year-old living in three different locations. The quotes are for a Volkswagen Polo 1.2 Moda 3d.

  • Expensive: £840 (London SE1)
  • Average: £559 (Newcastle NE1)
  • Cheap: £544.61 (Galashiels TD1)

What other factors affect my Volkswagen Polo insurance rate?

We’ve covered insurance groups, driver age and location. Here are some of the other factors that affect your insurance premium costs:

  • Your marital status
  • Your credit history and job
  • Your car’s safety rating, security and anti-theft precautions
  • The model and age of your car
  • Annual miles driven
  • Optional extras
  • Your driving history
  • No claims discount

Car insurance premiums are very personalised. If you want to know more, check out our guide to how car insurance premiums are calculated. The key is to balance the right cover level with good service at the cheapest price.

How can I save on my Volkswagen Polo premiums?

When searching for insurance, you’ll want to find the best deal for a price that’s within your budget. We’ve uncovered some tricks you can try to lower the cost of your premium: take a look below.

  • Limit your car usage (where possible). Occasionally deciding to walk or get public transport, rather than using your car, can help to save on your premiums.
  • Pay annually rather than monthly. It might be scary to part with a large sum in one go, but if you’re able to pay annually you may be able to save an average of £55.20 a year.
  • Don’t just accept your renewal quote. When it’s time for renewal, it’s worth investing a couple of hours to shop around: there may be cheaper options out there.

Is a Volkswagen Polo cheap to insure?

Danny Butler
Finder insurance expert Danny Butler answers

Let’s say you’re doing everything you can from the list above: you’re driving less, you’re paying annually, you’re shopping around for insurance quotes. Does that mean you’ll find a VW Polo cheap to insure?

As we’ve already established, it depends on the model. One factor affecting insurance groups is engine size. In general, the bigger the engine, the higher the cost of your insurance, because these engines are more expensive to repair or replace. For example, it may cost £559 to insure the 1.2-litre Volkswagen Polo 1.2 SE 3d, while you may pay £697 for the 1.4-litre Volkswagen Polo 1.4 TDI SE Design 3d.

Finally, the safer your car is, the less of a risk it will be for companies to insure, and therefore the lower your premium is likely to be.

How safe is the Volkswagen Polo?

When tested by Euro NCAP in 2022, the Volkswagen Polo was awarded a 5/5 safety rating, receiving 94% for adult occupant safety, 80% for child occupant safety and 70% for safety assist.

Standard safety features for the Volkswagen Polo are technologically advanced and equipped to deal with an unexpected event. The AEB Pedestrian and Front Assist can detect if something appears in front of your car, and will help you to brake in an emergency. In addition, AEB Inter-urban and AEB City are designed to help you avoid rear-ending and low speed collisions. Other standard features include Speed Assistance, to help you maintain the legal speed limit, and seat belt reminders.

There are several optional safety measures you can add on, including a Blind Spot Detector, so that you can always have a complete view of the road, and an Adaptive Cruise Control, so that if the car in front slows down, your cruise control will sense it and slow your own vehicle down. It’s worth negotiating with your insurer to see if investing in extra safety features can bring down your premiums.

Bottom line

This famous car can cost a relative pittance to insure, although more powerful models will cost a lot more. If you’re on the lookout for a car insurance provider, check out our comprehensive list of the best car insurance companies in the UK.

Frequently asked questions

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*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (Mar ’24). 51% of car insurance customers could save £539.54
The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.

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