Skoda Fabia Insurance Group

The Skoda Fabia is a family car produced by the Czech manufacturer since 1999. This popular car is one of the cheaper cars on the road to insure. In this guide, you’ll learn the key facts about insuring a Skoda Fabia.

Skoda Fabia car models fall within car insurance groups 1-18, which means the cost of your premiums can vary quite a bit. They start low with the SE 1.0 MPI 60PS 5d fitting into insurance group 1 but jump up significantly with the more powerful models. For example, a 30-year-old driver in an average postcode could pay around £520 for cover on a Skoda Fabia 1.0 MPI SE 5d, or around £681 for a Skoda Fabia 1.2 TSI Monte Carlo 5d.

Using the table below, you can find out the insurance group of your Skoda Fabia model, and how much you’re likely to pay for your car insurance.

Skoda Fabia insurance groups and average cost by driver’s age

• 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. Updated: April 2024 (source: Confused).

Average Skoda Fabia insurance cost in the UK

To give you an indication about how much it would cost to insure your Skoda Fabia, we ran several quotes in order to obtain an average figure. Our results estimated that you could, on average, insure your Skoda Fabia with comprehensive cover for monthly payments of £58.91 or an annual sum of £656.32

• How we got this rate

  To generate these figures we used the following information:

  • The vehicle is a 2018 model
  • Manual transmission
  • Petrol
  • 1.2l engine
  • Factory fitted alarm system
  • Not modified
  • 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 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

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  Skoda Fabia insurance cost by location

  There’s a number of factors that affect the cost of your insurance premium, including your job and marital status. Where you live, how busy your location is and the likelihood of theft, is a big factor affecting 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 Fabia 1.4 TDI SE 5d.

  • Expensive: £831 (London SE1)
  • Average: £634 (Newcastle NE1)
  • Cheap: £613.98 (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: April 2024 (source: Confused).

Which factors affect my Skoda Fabia insurance rate?

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 larger your engine, the more you’re likely to pay for insurance. For example, an average 30-year-old may pay £548 for the 1-litre Skoda Fabia 1.0 MPI (60bhp) S 5d, but could pay around £607 for the 2.2-litre Skoda Fabia i-DTEC SE 5d.
• 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 £925 for insurance for a Skoda Fabia 1.2 TSI Colour Edition 5d, while the same 30-year-old in Newcastle may only pay £532.
• 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 £2,275 for the Skoda Fabia 1.0 MPI SE L 5d, while the average 40-year-old Londoner will only pay £644.

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 Fabia premiums?

Depending on your individual circumstances, car insurance can come at a hefty cost. 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 try to reduce your car insurance premium for your Skoda Fabia, 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 £50.60 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 shop around – you’ll be surprised at how much you could save by assessing your options.

Bottom line

Skoda Fabias are a popular vehicle and with most falling into an insurance group from 1 – 18, you should be able to find a good level of comprehensive cover without breaking the bank.

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.

If you’re wondering which insurers to get quotes from, check out our rundown of the 10 best car insurance companies based on our customer satisfaction survey results.

Frequently asked questions

• What is the top speed of a Skoda Fabia?

  Depending on the model version, you can expect a Skoda Fabia to reach a top speed of 124 miles per hour.

• Is the Skoda Fabia safe?

  In its Euro NCAP crash tests, this vehicle achieved a full 5-star rating. This rating included a 81% rating for protecting adult occupants and protecting child occupants.

• How much car tax do I have to pay for the Skoda Fabia?

  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 Skoda Fabia?

  You can buy a Skoda Fabia at dealerships, using online sellers or from a current owner.

• Is the Skoda Fabia any good?

  Yes. In fact, it picked up the WhatCar? Best Estate Car for Value in 2021.

• Where can I find Skoda Fabia car insurance?

  You can compare the costs of Skoda Fabia car insurance using any price comparison website.