Skoda Citigo car models fall within car insurance groups 1-4, which means the cost of your premium should fall on the cheaper side in comparison to other makes and models. However, the costs may vary slightly between different Skoda Citigo insurance group ratings due to a number of different factors related to the vehicle. For example, a 30-year-old driver in an average postcode could pay around £556 for cover on a Skoda Citigo 1.0 MPI SE 3d, or around £631 for a Skoda Citigo 1.0 MPI (75bhp) GreenTech SE L 5d.
Using the table below, you can find out the insurance group of your Skoda Citigo model, and how much you’re likely to pay for your car insurance.
Skoda Citigo insurance groups and average cost by driver’s age
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. Updated: Oct 2019 (source: Quotezone).
Average Skoda Citigo insurance cost in the UK
To give you an idea of how much it would cost to insure your Skoda Citigo, we ran several quotes in order to obtain an average figure. Our results estimated that you could, on average, insure your Skoda Citigo with comprehensive cover for monthly payments of £50.17 or an annual sum of £553.28.
To generate these figures we used the following information:
The vehicle is a 2018 model
Factory fitted alarm system
Used for social, domestic and commuting purposes
10,000 mileage per year
The car is parked in a work car park during the day
The car is parked on a driveway at night
Driver is a homeowner
Driver is a 30-year-old teacher from London
£250 voluntary excess
Driving licence held for 10 years
Five years no claims discount
Driver has not had any driving or other convictions in the last 5 years
Skoda Citigo insurance cost by location
There’s a number of factors that affect the cost of your insurance premium, including your job and marital status. Also, factors such as where you live, how busy your location is and the likelihood of theft, all help determine the cost of your insurance rate.
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 a Skoda Citigo SE 1.0 MPI 60PS ASG auto 3d.
Expensive: £678 (London SE1)
Average: £582 (Newcastle NE1)
Cheap: £395 (Galashiels TD1)
These rates are based on the average cost of cover for cars in the locations shown. Our research suggests SE1 is one of the most expensive locations, NE1 represents an average cost location and TD1 represents one of the cheapest locations. Updated: Oct 2019 (source: Quotezone).
Which factors affect the insurance rate for my Skoda Citigo?
Along with your car’s insurance group, these three factors have the biggest impact on the cost of your insurance:
Engine type and capacity. The bigger your engine, the more you’re likely to pay for insurance. However, the Skoda Citigos are built with a 1-litre engine so the size of the engine shouldn’t be a factor for this particular make and model.
Driver location. Insurers factor in the likelihood that your car will be stolen or involved in an accident when calculating your insurance, and your location has a big impact on this. As an example, a 30-year-old in central London will pay £715 for insurance for a Skoda Citigo Monte Carlo 1.0 MPI 60PS GreenTech 5d, while the same 30-year-old in Newcastle may only pay £607.
Driver age. Like location, the age of the driver plays a huge role in determining the cost of your insurance premium. The average 20-year-old driver in London could pay £1,178 for the Skoda Citigo 1.0 MPI Black Edition 3d, while the average 40-year-old Londoner will only pay £617.
However, there are a lot of other factors that can also impact the price of your premiums. These include:
Your marital status
Your credit history and job
Your car’s safety rating, security and anti-theft precautions
Likelihood of theft
The model and age of your car
Your driving activity
Your driving history
No claims discount
How can I save on my Skoda Citigo premiums?
Depending on your individual circumstances, car insurance doesn’t always come cheap. If you add this to additional costs such as car tax, petrol, MOTs, servicing and maintenance, it can cost a lot to be on the road.
Thankfully, there are a few things you can do to reduce your car insurance premium for your Skoda Citigo, and we’ve listed them below:
Avoid any driving convictions. It may sound obvious, but having convictions on your record will make your premium more expensive.
Be economical about your car usage. You could save money on your insurance by being more sparing with your car usage. Opting for public transport or walking when you can will help keep your mileage, and premiums, lower.
Pay annually rather than monthly. By paying annually, you could save £48.76 on average a year!
Install extra safety precautions. The safer you make your car, the better your premium will be. By investing in extra safety features, your vehicle will be more secure and less of a risk to insure.
Don’t just accept your renewal quote. When it’s time for renewal, make sure you compare your options – you’ll be surprised at how much you could save by assessing your options.
Skoda Citigos are a great city car and with most falling into an insurance group from 1 – 4, you should be able to find a good car insurance deal at a low price.
However, don’t forget that there are numerous factors that can affect your insurance premiums such as your age, your location, your driving history and the insurer you select.
Frequently asked questions
Skoda Citigos can reach a top speed of 80.78mph.
The Skoda Citigo was awarded three stars out of five under the 2019 Euro NCAP safety analysis. Although the Skoda Citigo scored well for adult occupant safety (81%) and child occupant safety (83%), it did only score 55% for safety assistance measures.
The UK standard car tax rate sites at £145 per year. However, you might pay more or less depending on your car’s emissions.
You can buy a Skoda Citigo by visiting your local Skoda retailer. There is also a range of used Skoda Citigos available to buy through various motor resellers and websites such as AutoTrader or Motors.
*Based on independent online research by Consumer Intelligence (March ’20). 51% of car insurance customers could save £285.88.
Danny is a publisher at Finder specialising in car, life, home, business and pet insurance. He previously worked at the global insurer Aon and has appeared in national media giving advice on insurance. Danny holds a BA in International Business from the University of Plymouth and has undying loyalty to his average-poor football team, Portsmouth FC.
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