Fully comprehensive
✔ Highest level of protection
✔ Injuries and damage to you and your car
✔ Medical expenses
✔ Fire and theft
✔ Injuries and damage to others
✔ Legal protection
How much does it cost to insure a Renault Clio?
The average cost of insuring a Renault Clio is around £431
Running costs are also modest, with good fuel efficiency and relatively low servicing expenses, making the Clio a cost-effective option overall. Most trims sit in lower insurance groups, so insurers usually view them as lower risk.
Average policy price:
£431^
Based on fully comprehensive policies for all drivers across the UK.
Is the Renault Clio expensive to run?
The Renault Clio, especially the hybrid models, is generally considered to be affordable to run. It has good fuel economy, low CO2 emissions, and reasonable insurance ratings.
Are Renault Clios difficult to insure?
The more expensive your model of Renault Clio, and the higher insurance group it will fall into, the more insurance will cost. Your own personal details – such as age and where you live – will impact insurance costs too.
What's the best insurance for a Renault Clio?
The best insurance for a Renault Clio is usually fully comprehensive cover, as it provides the widest protection and can often be cheaper than third-party options. This level of insurance covers your own car as well as other vehicles, people, and property—giving peace of mind even for everyday city driving.
Third party, fire and theft policies only protect against damage to others and risks like theft or fire, while third party only cover is limited to third-party damage. For most Clio drivers, fully comprehensive insurance offers the most suitable balance of cost and protection.
How can I get cheaper car insurance?
You can usually make insuring a Renault Clio cheaper by adjusting how you arrange your policy and how you use your car. As the Clio is a small hatchback that often falls into lower insurance groups, premiums are already competitive, but there are ways to reduce them further.
Comparing quotes around 20 days before renewal and paying annually instead of monthly are two of the most effective ways to save. Increasing your voluntary excess, driving safely to avoid convictions, and parking your Clio in a secure garage or off-road space can also lower costs.
Cutting back on optional extras you don’t need, steadily building a no-claims discount, and—for younger drivers—adding an older named driver with a clean record can all help reduce your premium over time.
What insurance group does a Renault Clio fall into?
Renault Clio models fall into insurance groups ranging from 3 to 28. The insurance group will depend on the specific model and engine.
This table shows insurance groups for some common models:
Model | Insurance group |
|---|---|
1.2 16V Expression+ 5d | 4 |
Dynamique Nav TCe 90 ECO 5d | 6 |
Urban Nav dCi 90 5d | 11 |
1.5 dCi (90bhp) Expression+ 5d | 12 |
Renault Sport Trophy Nav TCe 220 EDC auto 5d | 28 |
Don't see your car model?
What cover do I need for my Renault Clio?
For a Renault Clio, the most suitable option is usually fully comprehensive cover, as it offers the highest level of protection and is often the best value. This type of policy covers your own car as well as other vehicles, people, and property, and includes protection against fire, theft, and in many cases medical or legal costs.
Other options are available:
-
-
Third-party, fire and theft
✔ Injuries and damage to others
✔ Fire damage to your car
✔ Theft of your car
-
Third-party only
✔ Legal requirement
✔ Injuries and damage to others
What add-ons can I get with my car insurance?
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Reviewed on 10 Dec 2025
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket between November 2024 and October 2025.
Based on 1 visit per month – average ticket value £15.30 (Oct 24)
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