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 Volkswagen Polo?
Average policy price:
£510^
Based on fully comprehensive policies for all drivers across the UK.
Is the Volkswagen Polo expensive to run?
One of the most popular hatchbacks available, most Volkswagen Polos are on the cheap side to run. However, more sporty models, such as the 2.0-litre Polo GTi, will cost you more in road tax, insurance and other running costs.
Are Volkswagen Polos difficult to insure?
Entry level Volkswagen Polos will be easy and cheap to insure. Insurance costs will rise if you pick a more powerful model with a higher price tag. As with all car models, insurance costs depend on the engine size, trim level, and the driver's profile.
What's the best insurance for a Volkswagen Polo?
Fully comprehensive car insurance offers the highest level of cover and can often be cheaper than the other options.
If your car is damaged in an accident, fully comprehensive is the only level of cover that will protect you financially against any costs related to you or your vehicle. Third-party policies are designed to protect other drivers in the event you cause an accident.
How can I get cheaper car insurance?
Some of the factors that impact the cost of your car insurance are difficult to change: your job, where you live, how old you are.
But there are tweaks everyone can make to bring down your premiums. These include:
Increasing your excess
Increase – or add – a voluntary excess to get cheaper premiums. But make sure you could afford to pay this amount in the event of a claim.
Buying insurance 20 days ahead
Our research shows this is when you’ll get offered the best renewal quotes and that comparing quotes on this day can save you up to £231
Paying annually
Pay for your car insurance in one go. Annual payments are up to 31% lower than the total cost of monthly instalments, saving you up to £267.
Based on MoneySuperMarket quoted policies for annual car insurance, between August 7th 2024 and November 5th 2024.
Driving safely
Convictions and endorsements for speeding or other driving offences will mean paying more for insurance.
Reducing extras
Add-ons like breakdown cover cost extra to add to your policy. Cutting out the extras you don't need can reduce your car insurance price.
Building up a no-claims bonus
The more no claims bonus you have, the cheaper your premium will be.
Parking off-road
You can reduce the cost of motor insurance by parking your vehicle off the road – such as a secure car park or locked garage – when you're not using it.
Adding a named driver
Young or inexperienced drivers can reduce premiums by adding an older driver to their policy.
What insurance group does a Volkswagen Polo fall into?
Volkswagen Polo models fall into insurance groups ranging from 1 to 23 – these are the lower groups. Some Polo models are in group 1, meaning they are among the cheapest cars to insure. The insurance group will depend on the specific model, spec and engine size.
This table shows insurance groups for some common models:
Model | Insurance group |
|---|---|
S 1.0 65PS 5d | 1 |
1.2 S (AC) 3d | 3 |
SE 1.6 TDI 80PS 5d | 6 |
1.2 (70bhp) R Line Style 5d | 8 |
1.4 TSI ACT BlueGT 3d DSG | 23 |
Don't see your car model?
What cover do I need for my Volkswagen Polo?
You can choose between three types of car insurance:
-
-
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 8 Dec 2025 by
