Compare car insurance for your Skoda from 130+ UK insurers. See which models sit in the lowest insurance groups.
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See insurance groups for popular Skoda models
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Skoda models typically sit in Groups 1 to 39. The Citigo starts at Group 1, and the Fabia and Scala both stay in single digits or low teens at base trim.
| Model | Typical Insurance Group | Engine |
|---|---|---|
| Citigo (2012) | 1-4 | 1.0L |
| Fabia (2015) | 3-14 | 1.0-1.4L |
| Rapid (2012) | 7-19 | 1.0-1.6L |
| Kamiq | 9 - 21 | 1.0-1.5L |
| Karoq (2018) | 10-16 | 1.0-2.0L |
| Octavia (2013) | 12-25 | 1.0-2.0L |
| Kodiaq (2016) | 12-23 | 1.4-2.0L |
| Superb (2015) | 12-29 | 1.4-2.0L |
| Scala (2019) | 14 | 1.0-1.5L |
| Enyaq | 22 - 39 | Electric |
| Octavia vRS (2013) | 26-30 | 2.0L Turbo |
See how Skoda models compare for reliability in our Skoda 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 Skoda Citigo starts at Group 1, while the Octavia vRS moves up to Groups 26 to 30.
Insurance groups set by Thatcham Research and the ABI.
Skoda models typically start at Group 1 (Citigo) and reach Group 39 (Enyaq EV), so insurance costs can vary significantly depending on which Skoda you drive. Skoda's value positioning tends to extend to insurance groups, with the Fabia and Octavia typically sitting a few groups below the equivalent VW model.
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 Skoda 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 Skoda models sit in the lowest group bands and may be worth shortlisting if keeping the premium down is a priority.
1. Citigo (Groups 1-4)
Typically the cheapest Skoda to insure and one of the cheapest cars in the UK. A discontinued city car with a 1.0-litre engine that starts at Group 1.
2. Fabia (Groups 3-14)
A supermini starting at Group 3. Skoda's value pricing typically extends to insurance too, so the Fabia often sits below the equivalent VW Polo on trim-for-trim comparisons.
3. Rapid (Groups 7-19)
A compact saloon and hatchback in single-digit to high-teens groups. Discontinued but still widely available on the used market.
4. Kamiq (Groups 9-21)
Skoda's smallest current SUV. Starts around Group 9 for the base 1.0 TSI trim. A practical entry to Skoda's SUV range without a big group jump.
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Get QuotesSkoda has several models that may be practical first cars for new drivers. The Citigo (Groups 1-4) sits at the very bottom of the Thatcham scale, and the Fabia (Groups 3-14) is also low-group. Both are widely available on the used market.
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 Skoda insurance premium.
Compare quotes from multiple insurers
Prices for the same car and driver can vary significantly between providers. Comparing quotes is typically the most effective way to find a competitive deal.
Start with the Citigo or Fabia
Skoda's value positioning extends to insurance groups. The Citigo starts at Group 1 and the Fabia at Group 3, making both practical options for keeping premiums down.
Avoid the vRS trim
The Octavia vRS (Groups 26-30) sits well above the standard Octavia (Groups 12-25). If group is a priority, a non-vRS trim keeps the premium down considerably.
Weigh up the Enyaq EV
The Enyaq (Groups 22-39) sits noticeably higher than the petrol Skoda range. Worth quoting if you are open to an electric car, but be aware the group will typically move up.
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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