Based on fully comprehensive policies for all drivers across the UK.
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.
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.
Fully comprehensive cover is usually the best option for a Volkswagen Polo, as it offers the widest protection and is often competitively priced.
This level of cover protects you financially if your Polo is damaged in an accident, as well as covering damage or injury involving other vehicles, people or property. It typically also includes fire and theft cover.
Lower levels of insurance, such as third party or third party, fire and theft, only cover damage you cause to others. They do not pay for repairs to your own car if you’re at fault in an accident.
Fully comprehensive policies can sometimes work out cheaper, as insurers often see drivers who choose them as lower risk. However, prices will still depend on factors such as the Polo model, engine size and how the car is used.
Some factors that affect the cost of insuring a Volkswagen Polo, such as your age, job or where you live, are hard to change. But there are still simple ways to reduce your premium.
Raising your voluntary excess can lower your premium. Make sure you could afford to pay this amount if you need to make a claim.
Our research shows drivers often see lower prices when they compare quotes around 20 days before their policy starts. Buying at this point could save you up to £227.36
Paying for your insurance in one go is usually cheaper than paying monthly. Annual cover can cost up to 12.60%
Convictions and endorsements, such as speeding offences, can increase the cost of your insurance. A clean driving record helps keep premiums down.
Optional add-ons, such as breakdown cover, increase the cost of your policy. Removing cover you already have elsewhere can reduce your price.
The more years you go without making a claim, the lower your premium is likely to be.
Parking your Polo in a locked garage or secure car park can reduce the risk of theft or damage and may lower your insurance cost.
If you are a younger or less experienced driver, adding a more experienced named driver can sometimes reduce your premium. The main driver must always be the person who uses the car most.
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?
Most Polo drivers choose fully comprehensive cover, as it offers the widest protection and can often be good value. You can choose from three main levels of car insurance:
Highest level of cover
Covers damage to your Polo, even if you’re at fault
Covers injury or damage to other people and their property
Usually includes fire and theft
May include extras such as legal expenses, depending on the policy
Covers injury or damage you cause to others
Covers your car if it’s stolen or damaged by fire
Does not cover repairs to your Polo after an accident
Minimum level of cover required by law
Covers injury or damage you cause to others
Does not cover damage to your own car, fire or theft
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Reviewed on 6 Feb 2026 by
Based on Car Insurance enquiries on MoneySuperMarket between 2025-01-01 and 2025-04-01 where the quote was for comprehensive covertype.
Based on Car Insurance enquiries on MoneySuperMarket between 2025-01-01 and 2025-04-01 where the quote was for comprehensive covertype.
Based on Car Insurance enquiries on MoneySuperMarket between 2025-01-01 and 2025-04-01 where the quote was for comprehensive covertype.
Based on 1 visit per month – average ticket value £15.30 (Oct 24)
T&Cs and restrictions apply, see here for more information
T&Cs and restrictions apply, see here for more information
T&Cs apply, click here for more information
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket between January 2025 and December 2025.
