Citroen Xsara insurance rates

The Citroen Xsara was first produced in 1997, and remained a popular vehicle until production was ceased in 2006. This car was a familiar sight on UK roads during its lifetime, and continued to live on in the popular Citroen Xsara Picasso.

Keep reading to see how much insuring a Citroen Xsara would cost you.

What insurance group does the Citroen Xsara fall under?

All vehicles are assigned a specific insurance group that ranges from 1 (cheapest) to 50 (most expensive), which helps to determine the cost of your premium. Citroen Xsara models can be found in insurance groups ranging from 11 to 27, meaning costs will typically be a cheap price for car insurance. As an example, a 30-year-old driver in an average postcode could pay around £731 for cover on a Citroen Xsara 1.4i L 5d that is in insurance group 11 or around £894 for a Citroen Xsara 2.0i 16V SX 5d Auto that is in insurance group 27. This shows the impact on premium pricing that occurs when one car is in a much higher insurance group.

• How we got these rates

  These rates are based on the average cost of cover for cars in the insurance groups shown, for drivers of different ages with a Newcastle (NE1) postcode, which our research suggests represents an average for insurance rates in the UK.

Average Citroën Xsara insurance cost

To provide you with an idea of how much it could cost you to insure your Citroen Xsara, we ran a selection of quotes to find an average figure. Our results estimated that you could insure your Citroen Xsara with a comprehensive policy for the average cost of £64.32 a month, or £706.12 a year. To run these quotes, we used the following information:

• The car is a 2005 model
• The driver is a 30-year-old teacher from London
• Manual transmission
• Petrol
• 10,000 mileage per year
• Factory fitted Thatcham approved alarm system
• Used for social, domestic and commuting purposes
• The car is not modified
• The car is parked in a car park during the day
• The car is parked on a driveway at night
• Five years no claims discount
• No driving or other convictions for the past 5 years

Which factors affect my Citroen Xsara insurance rate?

There are a wide variety of factors that may influence your premium rate. Some of these factors include:

• Your age, marital status, job and where you live
• The model and age of your car
• Your car’s safety rating, security and any anti-theft precautions
• Annual mileage
• Your car usage
• The size of your car’s engine
• No claims discount

How can I save on my Xsara car insurance?

Whilst car insurance is a must, it shouldn’t leave you with a hole in your pocket, so we’ve put together a list of tips for you to try that may help you to lower your premiums. Our advice:

• Pay annually rather than monthly. By paying annually, you could save an average of £65.72 a year.
• Make yourself a secure investment. The more you appeal to your provider, the more likely it is that you will be rewarded with lower premiums. By keeping a clean history of no claims and a good credit rating, you may find yourself saving some money!
• Be economical about your car usage. Limiting your car usage will help to keep mileage, and thus your premiums, low.
• Don’t just accept your renewal quote. Renewal quotes aren’t always the best offers out there, so make sure you shop around to find the price that’s right for you.
• Install extra safety precautions. Providers don’t like to insure risks, so by investing in some extra safety measures, you may save money on your premiums.
• Avoid driving convictions. Convictions of any kind will increase your premiums, so do your best to avoid any.

Facts about the Citroën Xsara

• The design of the Citroen Xsara was a development on the Citroen ZX and the Peugeot 306.
• A World Rally Car was created, called the Xsara WRC, that was based on the normal Xsara. It was one of the most successful cars ever to compete, and won the Autosport Rally Car of the Year award from 2003 to 2005.
• Despite being discontinued in Europe in 2004, the Xsara continues to be offered in China.

Bottom line

The Citroen Xsara wasn’t necessarily and exciting car when it was brand new. Now, they’ve been out of production for 15 years. Even so, they’re not particularly cheap to insure. The tips in this guide will help you to keep your premiums a bit lower.

Frequently asked questions

• What is the top speed of a Citroen Xsara?

  Depending on the model version, you can expect a Citroen Xsara to reach a top speed of 112 miles per hour.

• Is the Citroen Xsara safe?

  The Citroen Xsara was last tested by Euro NCAP under their old system in 1998. Whilst we’re unable to provide you with an overall safety rating, the Xsara did score a 3/5 rating for its adult occupant safety, and 2/4 for its pedestrian safety.

  With its pedestrian safety rating, it was commented that the Xsara offered good protection for legs and children, but the majority of adult impact area sites were rated as poor for protection.

  As previously mentioned, the safer your car is, the lower your premiums may be. As standard, the Xsara comes with a fairly limited range of safety measures, namely including airbags and ABS, which prevents your wheels from locking when you brake. Whilst you may wish to invest in extra safety measures, the optional features for this car are vastly limited due to the age of the model and the fact that it is no longer in production.

• How much car tax do I have to pay for the Citroen Xsara?

  The UK standard car tax rate sits at £150 per year. However, you might pay more or less depending on your car’s emissions.

• Where can I buy a Citroen Xsara?

  You can buy a Citroen Xsara from dealerships, online sellers or a current owner.

• Where can I find Citroen Xsara car insurance?

  You can compare the costs of Citroen Xsara car insurance using any price comparison website.

• Is a Citroen Xsara expensive to insure?

  The Citroen Xsara can be found in insurance groups ranging from 11 to 27. Most Citroen Xsara models are cheaper than the average rate to insure, although for its most powerful models, you can expect to pay slightly above the average rate.