Compare car insurance for your MG from 130+ UK insurers. See which models sit in the lowest insurance groups.
Compare quotes for your MG from 130+ UK insurers
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See insurance groups for popular MG models
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MG models typically sit in Groups 4 to 33. The MG 3 sits at Group 4, and even MG's electric range starts lower than many EV rivals, making MG a strong value choice if insurance cost matters.
| Model | Typical Insurance Group | Engine |
|---|---|---|
| 3 (2013) | 4 | 1.5L |
| ZS (2017) | 10-11 | 1.0-1.5L |
| 6 (2011) | 13-15 | 1.8L |
| ZS EV | 16 - 22 | Electric |
| HS | 24 - 28 | 1.5L Turbo |
| MG4 | 27 - 33 | Electric |
| 5 EV (2021) | 32 | Electric |
See how MG models compare for reliability in our MG reliability report.
Every car sold in the UK is assigned to one of 50 insurance groups by Thatcham Research and the ABI. Group 1 typically represents the lowest insurance cost, and group 50 the highest. Insurers generally use these groups as one factor when calculating your premium, alongside your age, location, driving history, and other personal details. For example, the MG 3 sits at Group 4, while the MG4 reaches Group 33.
Insurance groups set by Thatcham Research and the ABI.
MG models typically start at Group 4 (MG 3) and reach Group 33 (MG4 electric), so insurance costs sit below the middle of the Thatcham scale across most of the range. Even MG's electric models sit lower than many EV rivals, which is unusual and makes MG a strong value choice if insurance cost matters.
Insurance groups are only one of several factors. Insurers may also weigh up your age, where you live, your annual mileage, your driving history, and any modifications to the car. Two drivers insuring the same MG could receive very different quotes.
Whether you choose fully comprehensive, third party fire and theft, or third party only cover can also affect your premium. Comprehensive cover is often competitively priced compared to third party only.
The most reliable way to find your price is to compare quotes from multiple insurers.
Based on typical Thatcham insurance group ratings, these four MG models sit in the lowest group bands and may be worth shortlisting if keeping the premium down is a priority.
1. MG 3 (Group 4)
Typically the cheapest MG to insure and one of the cheapest cars in the UK. A supermini with a 1.5-litre engine that sits at Group 4 across trims.
2. MG ZS petrol (Groups 10-11)
One of the most affordable compact SUVs to insure in the UK. Choose the 1.0 or 1.5-litre trim to stay in single-digit or low double-digit groups.
3. MG 6 (Groups 13-15)
An older family car with a 1.8-litre engine that sits in the low teens. Discontinued but still available on the used market at competitive prices.
4. MG ZS EV (Groups 16-22)
MG's electric compact SUV. Sits below many EV rivals, making it one of the more affordable electric cars to insure in the UK.
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Get QuotesMG has several models that may be practical first cars for new drivers. The MG 3 (Group 4) and MG ZS petrol (Groups 10-11) both start low on the Thatcham scale. Both are widely available on the used and new market at competitive prices.
A telematics policy could help new drivers demonstrate safe driving habits, which may lead to lower premiums over time. Black box devices or app-based policies typically monitor braking, cornering, and time of day, and reward safe driving with a lower renewal price.
If you are aged 17 to 21, see our dedicated young drivers insurance guide for more tips.
University students may also find our student car insurance guide helpful, particularly for advice on registering the car at the address where it is kept most often.
Seven practical steps that could help reduce your MG insurance premium.
Compare quotes from multiple insurers
Prices for the same car and driver can vary between providers. Comparing quotes is typically the most effective way to find a competitive deal.
Start with the MG 3 or ZS petrol
The MG 3 sits at Group 4 and the ZS petrol at Groups 10-11. Both are among the most affordable cars in their class to insure in the UK.
Weigh up the ZS EV
The ZS EV (Groups 16-22) is one of the cheapest electric SUVs to insure. A strong option if you are open to going electric.
Consider the MG4 for a bigger EV
The MG4 (Groups 27-33) sits in the mid range but still lower than many EV rivals. Worth quoting if you want a larger electric hatchback.
Consider a telematics policy
A black box or app-based policy could reward safe driving with lower premiums, particularly for younger drivers.
Increase your voluntary excess
A higher excess typically means a lower premium, but make sure you could afford to pay it if you needed to make a claim.
Pay annually if you can
Monthly instalments could add interest to the overall cost, so paying upfront may save you money over the year.
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