About Skoda
Škoda is one of the world’s oldest car manufacturers and is part of the Volkswagen Group. Popular models such as the Octavia, Kodiaq and Superb have helped the brand build a strong reputation in the UK.
In recent decades, Škoda has undergone major development and modernisation, transforming from a budget brand into a manufacturer recognised for reliability, innovative features and strong value for money. Its cars are often praised for practicality, comfort and efficient performance, making Škoda a competitive choice across both family and executive car markets.
How much does it cost to insure my Skoda?
The cost of insuring a Skoda depends on factors such as your age, driving history, occupation and the model you choose. Smaller city cars like the Skoda Citigo usually sit in lower insurance groups, making them among the cheapest to cover, while larger or higher-spec models such as the Octavia or Superb tend to cost more.
On average, annual premiums for Skoda models are often in the £300–£400 range, though prices can be higher for sportier or newer versions. Comparing quotes across multiple insurers is the best way to get an accurate figure for your circumstances, as well as taking into account mileage, security features and your chosen level of cover.
Skoda model | Average premium |
|---|---|
Skoda Citigo Se Greentech (60) | £298^ |
Skoda Citigo Colour Edition Mpi 60 Greentech | £327^ |
Skoda Citigo Se L Mpi 75 Greentech | £289^ |
Skoda Roomster Se (85) | £311^ |
Skoda Citigo Elegance Greentech (75) | £353^ |
Skoda Fabia | £342^. |
Skoda Citigo Colour Edition Mpi 60 | £346^ |
Skoda Citigo Elegance Greentech (60) | £456^ |
Skoda Fabia Se Comfort Tsi 95 | £345^ |
Skoda Fabia Se Tsi 90 | £341^ |
How can I get cheaper car insurance for my Skoda?
You can make Skoda insurance cheaper by adjusting how you buy and use your policy. Increasing your voluntary excess can reduce premiums, though you should only set an amount you could afford if you made a claim. Arranging cover a few weeks before renewal and paying annually instead of monthly also helps cut costs.
Smaller models such as the Skoda Citigo or Fabia usually sit in lower insurance groups, so keeping mileage modest and driving safely to build a no-claims bonus can keep premiums especially low. For family cars like the Octavia or Superb, parking securely in a garage and removing optional extras you don’t need can help manage costs. Larger SUVs such as the Kodiaq are more expensive to insure, so fitting approved security devices and comparing quotes from multiple insurers often makes the biggest difference.
What type of insurance do I need for my Skoda?
There are three main types of car insurance available:
Fully comprehensive – the highest level of cover, protecting you, your Skoda, other vehicles, people and property if a claim is made.
Third party, fire and theft – covers damage to others’ vehicles or property, plus fire damage and theft of your own car. It does not cover accidental damage to your Skoda.
Third party only – the minimum legal requirement, covering damage to others’ vehicles or property but offering no protection for your own car.
For most Skoda drivers, fully comprehensive insurance is the most suitable option. It provides the broadest protection and, in many cases, is cheaper than third party cover because insurers often see comprehensive policyholders as lower risk. Smaller models like the Citigo or Fabia are generally the cheapest to insure comprehensively, while larger cars such as the Superb or Kodiaq tend to cost more.
Where can I get insurance for my Skoda?
You can insure a Skoda through most mainstream UK car insurers, with costs varying depending on the model you drive and your personal details. Using a comparison site such as MoneySuperMarket is a quick way to see quotes from multiple providers in one place and find the most competitive deal.
For smaller models like the Citigo or Fabia, standard insurers usually offer the cheapest cover. For larger cars such as the Octavia, Superb or Kodiaq, it can also be worth checking specialist insurers who may provide tailored policies, particularly if you need higher levels of cover or drive higher-spec versions. Comparing both general and specialist options ensures you get the right balance of cost and protection.
What do I need to get accurate car insurance quotes?
Your car registration number and driving licence number
Any no-claims bonus you’ve accrued
When you bought the car and any modifications made
Your expected annual mileage
Whether you’ll use the car for social, commuting, or business purposes
Note: you can still get a quote if you don't know the registration yet
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Reviewed on 30 Dec 2025 by
Accurate as of 30 December 2025.