MG ZR insurance group & average costs | Finder UK

MG ZR insurance group

Compare car insurance costs for your MG ZR based on your age and location.

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The MG ZR is a hatchback produced in the early years of the century. This car’s appearance has a “love it or hate it” feel. If you love it, you should be able to pick one up at a decent price these days. In this guide, you’ll discover how much it could cost to insure based on your age and location.

What insurance group does the MG ZR fall under?

When it comes to car insurance, all vehicles are placed in a specific insurance group that ranges from 1 (cheapest) to 50 (most expensive), based on how much it should cost to insure them. Car insurance companies use these groups to determine a suitable premium for you.

MG ZR models can be found in groups ranging from 15 to 30, meaning the costs will vary significantly depending on your choice of MG ZR model. As an example, a 30-year-old driver in an average postcode could pay around £781 for cover on an MG ZR 1.4 105ps 3d that is in insurance group 24 or around £906 for an MG ZR 1.8 VVC 160ps 3d that is in insurance group 30. From this comparison, we can clearly see the impact of premium pricing when one car is in a much higher insurance group.

Model / Version Group (1-50) 20yrs 30yrs 40yrs 50yrs Get quote
1.4 105ps 3d 15 £1,346 £781 £684 £552 Get Quote
1.4 105ps 5d 15 £1,346 £781 £684 £552 Get Quote
1.8 (120ps) 3d 19 £1,399 £812 £711 £574 Get Quote
1.8 (120ps) 5d 19 £1,399 £812 £711 £574 Get Quote
2.0TD (115ps) 3d 19 £1,399 £812 £711 £574 Get Quote
2.0TD (115ps) 5d 19 £1,399 £812 £711 £574 Get Quote
2.0TD 3d 19 £1,399 £812 £711 £574 Get Quote
2.0TD 5d 19 £1,399 £812 £711 £574 Get Quote
1.8 VVC 160ps 3d 30 £1,562 £906 £794 £641 Get Quote
1.8 VVC 160ps 5d 30 £1,562 £906 £794 £641 Get Quote
1.4 + (105ps) 3d 15 £1,346 £781 £684 £552 Get Quote
1.4 + (105ps) 5d 15 £1,346 £781 £684 £552 Get Quote
1.8 + (120ps) 3d 19 £1,399 £812 £711 £574 Get Quote
1.8 + (120ps) 3d Step Auto 19 £1,399 £812 £711 £574 Get Quote
1.8 + (120ps) 5d 19 £1,399 £812 £711 £574 Get Quote
1.8 + (120ps) 5d Step Auto 19 £1,399 £812 £711 £574 Get Quote
2.0TD + (115ps) 3d 19 £1,399 £812 £711 £574 Get Quote
2.0TD + (115ps) 5d 19 £1,399 £812 £711 £574 Get Quote
2.0TD + 3d 19 £1,399 £812 £711 £574 Get Quote
2.0TD + 5d 19 £1,399 £812 £711 £574 Get Quote
1.4 Trophy 105ps 3d 15 £1,346 £781 £684 £552 Get Quote
1.4 Trophy (105ps) 5d 15 £1,346 £781 £684 £552 Get Quote
1.4 Trophy SE (105ps) 3d 15 £1,346 £781 £684 £552 Get Quote
1.4 Trophy SE (105ps) 5d 15 £1,346 £781 £684 £552 Get Quote
1.8 Trophy SE (120ps) 3d 19 £1,399 £812 £711 £574 Get Quote
1.8 Trophy SE (120ps) 5d 19 £1,399 £812 £711 £574 Get Quote
2.0TD Trophy (115ps) 3d 19 £1,399 £812 £711 £574 Get Quote
2.0TD Trophy (115ps) 5d 19 £1,399 £812 £711 £574 Get Quote
2.0TD Trophy SE 115ps 3d 19 £1,399 £812 £711 £574 Get Quote
2.0TD Trophy SE (115ps) 5d 19 £1,399 £812 £711 £574 Get Quote

MG ZR insurance cost by location

The table above shows the average cost of MG ZR insurance based on insurance groups and driver age. However, there are a number of other factors that affect the cost of your car insurance premium, one of the biggest being your location.

To show the power of the postcode, here are some average quotes for a 30-year-old living in three different locations. The quotes are for an MG ZR 2.0TD + 3d.

  • Expensive: £971 (London SE1)
  • Average: £812 (Newcastle NE1)
  • Cheap: £606 (Galashiels TD1)

Which factors affect my MG ZR insurance rate?

There are several key factors that have the biggest impact on your insurance premium costs, other than its insurance group. Let’s take a look at some more of the most important ones.

  • Engine type and capacity. In general, the bigger the engine, the more you can expect to pay for car insurance. For example, it may cost £932 for insurance for an MG ZR 1.4 105ps 5d, while you may pay £1,046 for an MG ZR 1.8 VVC 160ps 5d. That’s an extra £114 per year you’ll pay for an engine that’s 0.4 litres bigger.
  • Driver location. Where you live helps insurers determine the level of risk that your car may be stolen or involved in an accident. If you live in an area where that’s more likely, your insurance could rise. For example, a 30-year-old in central London may pay £932 for insurance for an MG ZR 1.4 Trophy 105ps 3d, while the same 30-year-old in Newcastle may only pay £781. This £151 difference occurs because Londoners are more likely to claim on their car insurance.
  • Driver age. The youngest drivers are the most likely to claim on their car insurance and that’s why they have to pay more. As an example, the average 20-year-old driver in London may pay £1,689 for the MG ZR 2.0TD Trophy SE 115ps 3d, while the average 40-year-old Londoner will only pay £885. As you can see, the average 20-year-old would have to pay almost double to insure an MG ZR, such is their added level of risk to an insurance company.

Other factors that influence the cost of your insurance include:

  • Your marital status
  • Your credit history and job
  • Your car’s security features
  • Your car’s anti-theft precautions
  • Your car’s safety rating score
  • The model of your car
  • The age of your car
  • Your driving history and activity
  • Your no-claim discount
  • Your annual mileage

How can I save on my MG ZR premium?

Whilst car insurance is a necessary legal requirement, that’s no reason to let it drain your bank account dry. Here are some tricks you can try in order to lower the cost of your premium.

  • Limit your car usage (where possible). A lower annual mileage makes you less of a risk in the eyes of an insurance company. So consider whether it’s possible for you to take some journeys by foot or public transport, rather than using your car. This can help to save on your premium.
  • Pay annually rather than monthly. Whilst it might be difficult for some people to part with a large sum of money in one go, paying annually eliminates the possibility of you being charged interest on monthly repayments.
  • Install extra safety precautions. The safer your car is, the less of a risk it will be for companies to insure. So, when you add extra safety measures, many companies will be willing to lower your premium.
  • Don’t just accept your renewal quote. Although it might be time consuming, when it’s time for renewal make sure you shop around and don’t just settle for the renewal price given to you – there may be cheaper options out there!

Frequently asked questions

*51% of consumers could save £283.97 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from August 2020 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.
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.

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