The Vauxhall Viva is an affordable and practical five-door city car. Outside of Europe, this vehicle is known as the Opel Karl. In this guide, you’ll learn how much it could cost to insure based on the specific model version and the demographics of the driver.
The Vauxhall Viva presents more space than most city cars. It is also a lot nippier and more fun to drive than a lot of its competitors.
Which insurance group does the Vauxhall Viva fall under?
When it comes to car insurance, all vehicles are given a specific insurance group that ranges from 1 (cheapest) to 50 (most expensive) which helps determine the cost of your premium. Vauxhall Viva models range from insurance groups 3 to 5, so the cost of insurance can be on the cheaper side. As an example, a 30-year-old driver in an average postcode could pay around £607 for cover on a Vauxhall Viva 1.0 ecoFLEX SE 5d which is in insurance group 3, or around £653 for a Vauxhall Viva SE Nav 1.0i (73PS) (a/c) 5d which falls under group 5.
You can find the insurance group, and likely premium, of your Vauxhall Viva model in the table below.
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: March 2021 (source: Quotezone).
Vauxhall Viva insurance cost by location
The table above shows the average cost of Vauxhall Viva insurance based on insurance groups and driver age. However, there are plenty of other factors that affect the cost of your car insurance premium.
One of the biggest of these is 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 a Vauxhall Viva 1.0 ecoFLEX SE 5d.
Expensive: £715 (London SE1)
Average: £607 (Newcastle NE1)
Cheap: £417 (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: March 2021 (source: Quotezone).
Which factors affect my Vauxhall Viva insurance rate?
Along with insurance group, there are a number of key factors that have the biggest impact on your insurance premium costs:
Engine type and capacity. In general, the bigger the engine, the higher the cost of your insurance. An average 30-year-old may pay £607 for the 1.0-litre Vauxhall Viva 1.0 SE 5d, but could pay around £653 for the 1.0-litre Vauxhall Viva SL 1.0i (73PS) 5d.
Driver location. Insurers will use your home address to help determine how likely it is that you’ll make a claim on your policy. If you live in an area where motorists are more likely to claim, your premium will be higher. As an example, a 30-year-old in central London may pay £750 for insurance for a Vauxhall Viva SE 1.0i (73PS) 5d, while the same 30-year-old in Newcastle may only pay £631. That’s £119 extra per year if you live in London, because drivers in the capital are statistically more likely to claim on their car insurance than those living in Newcastle.
Driver age. The youngest drivers are the most likely to claim on their car insurance, and that’s why they are charged more. As an example, the average 20-year-old driver in London may pay £1,304 for the Vauxhall Viva 1.0 SL 5d, while the average 40-year-old Londoner will only pay £683. As you can see, in this example, the average 20-year-old would have to pay double to insure a Vauxhall Viva.
Other factors that influence the cost of your insurance include:
Your marital status
Your credit history and job
Your car’s safety rating score
The model of your car
The age of your car
Your car’s security and any extra anti-theft precautions
Annual miles driven
Your driving history and activity
No claim discount
How can I save on my Vauxhall Viva premium?
When searching for insurance, you’ll want to find the best deal for a price that’s within your budget. With that in mind, here are some tricks to lower the cost of your premium.
Reduce your annual mileage. If you can use your car less, you’ll be deemed a lower risk by insurers and receive a lower premium. So, consider whether there are any journeys that you can occasionally take on foot or by public transport.
Pay annually rather than monthly. If you pay annually, you’ll eliminate the possibility of being charged interest on monthly payments.
Install extra safety precautions. The safer your car is, the less of a risk you’ll be deemed to insurers. That’s why they will offer you a discount when you install extra safety precautions.
Shop around for the best deal. Don’t just settle for the renewal price given to you – there may be cheaper options out there!
Frequently asked questions
This vehicle achieved a 4-star rating in its Euro NCAP crash tests. In this test, the car rated at 74% for protecting adult occupants and 72% for protecting child occupants.
The UK standard car tax rate sites at £150 per year. However, you might pay more or less depending on your car’s emissions.
You can buy this vehicle at dealerships, from online sellers or from current owners across the UK.
All models of this vehicle come with a 1-litre engine.
Yes, it’s a great choice if you’re after an affordable, economical city car and especially if it’s also important for you to have a lot of space.
You can compare the costs of Vauxhall Viva car insurance using any price comparison website.
*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.
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.
How likely would you be to recommend finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
Advertiser Disclosure
finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.