Lower your premium with helpful tips
Quick & easy quote comparisons
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Skoda has a history that dates back to 1895. Initially starting as a bicycle manufacturer, Skoda moved into car manufacturing in 1945. The company has kept going through two world wars as well as Soviet occupation.
Skoda managed to gain a reputation as an undesirable brand over the years, but in 1990, Skoda became part of the Volkswagen Group and started to shake off this image.
Since introducing Octavia in 1997, the Czech company has won itself a reputation for practicality and reliability.
Figuring out how much your Skoda car insurance might cost starts by considering the variety of factors that influence your premiums. These factors include any no-claims bonus you might have, your gender, age and the insurance group your vehicle falls into. In the table below, we've provided a breakdown of the average insurance price Skoda drivers might expect to pay for certain models.
Model | Average Price |
|---|---|
SKODA Kodiaq | £662 |
SKODA Citigo | £543 |
SKODA Yeti | £866 |
SKODA Enyaq | £733 |
SKODA Fabia | £646 |
SKODA Kamiq | £662 |
SKODA Karoq | £708 |
SKODA Octavia | £902 |
SKODA Roomster | £638 |
SKODA Scala | £658 |
SKODA Superb | £804 |
Insurance on most Skoda models is notably cheaper when compared to other brands. However, there are still ways to save even more when choosing the right insurance policy for your Skoda. Consider our suggestions:
Reduce your annual mileage: The less you drive your car, the less your insurer will see you as a risk. So if you can limit your mileage there's a chance of reducing your premium considerably.
Pay upfront: While it may be tempting to opt for monthly direct debit payments, you're often better off paying the full amount upfront. Insurers typically offer discounts for lump-sum payments, and you'll also avoid admin fees and interest charges!
Increase your voluntary excess: If you increase the voluntary excess on your policy most insurers will reduce your annual premium. Beware though, don't increase it to a point where it becomes unaffordable to claim!
Forgo optional extras: Your insurer may try to upsell you windscreen cover and motor legal protection. As handy as these can be, they aren't always necessary for the average driver and will drive up the cost of your insurance. So, consider forgoing any optional extras to keep your premium low.
Don't modify your car: Modifications of any sort to your Skoda (performance, or cosmetic) will most likely lead to you paying more for your insurance. This is because your car will be potentially more attractive to thieves and the more powerful your Skoda, the more likely you are to be in an accident and make a claim.
Insurance providers take the following factors into account when determining your car insurance premiums:
SUV models like the Skoda Kodiaq, which falls into insurance groups 18-26 depending on the version and year, are generally more expensive to insure than smaller models such as the Skoda Fabia, which ranges from groups 1-18. While premiums will vary based on the specific version of your vehicle, more powerful cars typically come with higher insurance costs.
Naturally, you can expect to pay more for your insurance if you're looking for more comprehensive cover than a basic third-party policy.
Your age, your gender and your driving history are all variables that will influence the price of your premiums. Usually, if you're an older driver with lots of experience on the road then you're likely to pay less for your Skoda insurance than a younger, newer driver who has recently passed their test.
Where you park your vehicle, such as in a garage, driveway, or street, can also affect your premium. Cars stored in secure locations (garage or driveway) typically have lower premiums due to reduced theft or vandalism risks.
Skoda's are renowned for their safety features and their vehicles perform well in safety tests. The more safety features your vehicle has, the better it will be for your premiums. In short, the more features your car has such as cameras, parking sensors, multiple airbags, blind spot monitoring the lower your insurance premium.
If you're a careful driver and haven't made a claim in a number of years then you can expect this to be reflected in your premiums.