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1Correct as of February 2025

How much does a Skoda cost to insure?

The cost of car insurance can depend on a number of factors. And your personal circumstances play a role in how much you'll pay. Things like your job, your age, and your driving history affect the cost. Below are the average cost of insurance for each Skoda model:

Model Average quote*
Skoda CITIGO SE (60)
£688
Skoda Fabia SE (60)
£840
Skoda Octavia
£667
Skoda Karoq SE
£411
Skoda Kodiaq SE 7 seat
£577

*Average cost of annual comprehensive car insurance, Confused.com data October 2024 - December 2024.

How can I save on my Skoda car insurance?

We all want to get the best possible deal for our car insurance. There's a few ways you can save on car insurance for your Skoda:

Pay upfront

Paying upfront can make your insurance costs go down. Paying annually is cheaper overall, as you don't have to pay interest. And once you've paid, you won't have to think about it again for another year.

Build no-claims bonus

Building up a no-claims bonus is a great way to save. Insurers reward drivers who don't make claims with discounts on their insurance.

Compare quotes early

If you compare car insurance quotes early, you could potentially save. 20 days before renewal can get you the best price on your insurance. It'll also give you peace of mind that you've got it sorted.

Add a named driver

Adding an older, more experienced named driver to your insurance policy can also cut the costs. Make sure that you aren't lying about who the main driver is though. This is a type of car insurance fraud called fronting. Fronting is illegal, and could mean your policy gets cancelled, or you may be prosecuted.

Mileage

Your insurer will ask you to work out your annual mileage when you buy a policy. It's important to be as accurate as possible, otherwise your insurance policy could be invalidated if you make a claim. If you're someone who has a low annual mileage, your insurance costs could go down. This is because insurers see you as less likely to have an accident if you're using your car less.

For more ways to save, read our tips for cheaper car insurance.

What insurance group is my Skoda in?

Car insurance groups range from 1-50 and have an affect on how much you'll pay for insurance.

The group number your car is assigned will be based on a number of factors. For example, its value when new, cost of parts, repair time, safety features, performance, and security features. These help insurers work out how likely it is to be involved in a costly claim.

Skoda models tend to fall within groups 10-15. Smaller models like the Fabia are often in lower groups (around 2-5) and larger models like the Octavia or Superb in higher groups (around 12-15).

Models like the Citigo and Fabia typically fall into lower insurance groups due to their smaller size and lower performance. Larger models like the Superb and Kodiaq with more powerful engines may be placed in higher insurance groups.

Factors like your postcode, occupation, and average mileage will also affect the cost of your insurance.

You can find out what group your Skoda is in by using our car insurance group checker.

Car insurance group checker

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What car insurance can I get for my Skoda?

There's 3 levels of insurance coverage you can choose from for your Lexus:

  • Third-party: This is the legal minimum amount of car insurance you need to have. This is the most basic kind of cover, and covers damage to other people or their property, and injuries you cause to others. It won't cover any damage to your own car, or injuries to yourself.
  • Third-party, fire and theft: This will cover damage to other people's property or vehicles, as well as injuries to others. It'll also cover damage caused to your vehicle due to fire. This includes both accidental and malicious damage. It'll also cover theft or attempted theft of your car.
  • Fully comprehensive car insurance: This is the highest level of insurance you can buy. It covers the cost of repairing or replacing your car if it's damaged in an accident or maliciously.

Temporary car insurance lets you get cover that lasts from as little as an hour, to a month. It's a great option for road trips and for test drives.

Black box insurance, sometimes known as telematics insurance, monitors a driver's behaviour. A small GPS device is installed to track driving habits, and the data is used to work out the cost of your premiums.

Business car insurance covers the use of a car for work-related activities. This might be driving to meetings, transporting goods, or visiting clients. You'll need business car insurance if you use your car for work, other than commuting. This type of insurance covers the same things as standard insurance, but extends to work-related journeys.

What additional cover can I get for my Skoda?

All car insurance policies come with a selection of optional extras for you to choose from. Here are some of the most popular choices:

Windscreen cover

Windscreen cover can help replace the windscreen, side or rear windows on your car, as well as repair any cracks or chips. Some policies will charge an excess for this, so be sure to check with your insurer.

Breakdown cover

You'll get roadside assistance if your car breaks down. You can often get different levels of breakdown cover through providers, so it's just a case of picking the one that's right for you.

Motor legal protection

This covers you against the costs of things like solicitor fees, travel costs and treatment you need after an accident that wasn't your fault. It's also often referred to as legal expenses cover.

Courtesy car cover

Courtesy car cover entitles you to a temporary replacement car while yours gets repaired by a mechanic.

Personal accident cover

This protects you or your family financially if you're involved in an accident.

Car insurance guides