Is the VW Polo cheap to insure?
Take a look at the VW Polo insurance groups to give you an idea of running costs
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You won't get far on UK roads without spotting a Volkswagen Polo – this might’ve made you curious about how much it costs to insure one.
Insurance groups are one factor that helps to decide how much car insurance will cost. Groups range from one to 50 and the car will usually be cheaper to insure the lower group it’s in.
The cost of VW Polo insurance will also depend on you as the driver. Insurers look at things like your driving history, predicted annual mileage, and where you store your car to help decide your insurance rates.
Keep reading to learn more about the VW Polo insurance groups and how much you might expect to pay to get cover.
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VW Polo insurance group ratings explained
There are plenty of Volkswagen Polo models to choose from, and they tend to fall between insurance groups one and 23.
For example, the S and SE 1.0 models are often in group one, the cheapest insurance group. However, 1.4 TSI BlueGT models are in group 23, which is about middle of the road.
If you fancy a Polo GTI, insurance groups range from 23 to 29 with models from 2018.
The reason that VW Polo insurance groups vary is because they are decided by a panel that rates each car based on risk. The factors they consider include:
The vehicle’s value
Security of the car
Performance, with fast cars being pricier
Safety features
How long repairs may take
The cost of parts
Average Polo insurance costs
On average, the VW Polo is one of the cheapest cars to insure because there are plenty of models in the lowest insurance groups.
The best way to find out the average cost of VW Polo insurance is to get a quote from a comparison site.
You’ll supply details like your address, profession, predicted mileage, and any previous car insurance claims. This information, alongside the insurance group of your Polo, will help the insurer give you a quote.
Volkswagen Polo insurance prices will be different for everyone, so we recommend getting a quote to see if it suits your price point.
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How Polo insurance prices compare to rivals
There are some impressive cars on the market that rival the VW Polo, including the Skoda Fabia, Renault Clio, Toyota Yaris, and Audi A1.
Skoda Fabias sit in insurance groups one to 15, depending on the model, and tend to be cheaper to buy than Polos, making them a great budget-friendly option.
The Audi A1 is a flashy hatchback that starts in insurance group nine but goes as high as 38 for the sporty S1. They’re probably going to be more expensive to insure.
Another classic Polo rival, the Renault Clio, falls in insurance groups three to 18. That means they could be around the same price as the Polo to insure, depending on the model you choose.
As for the Toyota Yaris, expect average insurance costs as it sits in groups two to 36, with older models seemingly the cheapest to get covered.
Getting cheaper VW Polo car insurance
There are a few things you can do to get cheap VW Polo insurance, but a lot of it does depend on factors that might be out of your control.
If you have a previous claim on your car insurance, cover a lot of annual miles, or live in an area with a high crime rate, your Polo insurance is likely to be higher.
There are a couple of things you can try to bring down your car insurance quotes:
- Check comparison sites for better deals
- Consider getting a black box to monitor your driving habits and be rewarded with low-cost insurance
- Reduce your annual mileage
- Add a named driver who's deemed 'low risk' (e.g. someone with lots of experience and a no-claims bonus)
- Pay for your insurance annually rather than monthly
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Polo models/engines with affordable insurance
Choosing an entry-level Volkswagen Polo will help keep costs low, as they’re typically cheaper to buy, run and insure.
For example, both the Polo S and SE are in insurance group one.
Fancy something a bit more exciting? You can grab a special edition Beats Polo with a 1.0-litre engine, and you’ll still be in group one, but you get an upgraded sound system and special decals.
Conclusion: How much is Volkswagen Polo insurance?
VW Polo insurance groups and individual factors about the driver decide how much insurance will cost, so it’s tricky to say exactly what you’ll pay.
Whichever Polo you choose, it’ll be on the cheaper side to insure, but you can spend a bit more if you’d prefer one of the higher-spec models.
There are some cheaper hatchbacks, but there are plenty more expensive as well, so the Volkswagen Polo strikes a healthy balance for a premium car with fairly low running costs.
Take a look at more of our small used cars to weigh up your options.