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Insurers view younger drivers as being more likely to cause road accidents, so premiums tend to be higher
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The Vauxhall Corsa is a long-time rival to the Ford Fiesta as one of Britain’s most popular and best-selling hatchbacks. It comes from a longstanding British manufacturer, with Vauxhall a fully owned subsidiary of German automaker Opel.
It also offers one of the best engines in its class – from 1.2l to 1.5l – and you can choose between petrol, diesel and pure-electric power.
Vauxhall Corsas can be among the cheapest cars to insure, but it will depend on which insurance group your specific model falls into. For example, if you own the 1.2 Life edition then it’s part of the lowest cost insurance groups, but if you have a GSi 1.4i Turbo the cost of cover rises significantly.
The groups are based on a range of factors such as the car’s performance and safety, but they aren’t the only influence on insurance premiums. Your own driving habits and history, where you live and even your job can play a role.
1. Corsa SXI - £886 /year to insure
2. Corsa SXI (79) - £1,131 /year to insure
3. Corsa Limited Edition- £1,085 /year to insure
1. Corsa VXR - £1,697 /year to insure
2. Corsa VXR Turbo - £1,573 /year to insure
3. Corsa Black Edition - £1,305 /year to insure
1. Corsa SE 90 - £449 /year to insure
2. Corsa Griffin 75 - £451 /year to insure
3. Corsa Energy A/C - £451 /year to insure
Insurers sort cars into categories, or ‘groups’, based on a range of factors, including their cost, performance and availability of parts. Check the table below to see how your Vauxhall Corsa compares.
Model | Insurance group | Tax bracket |
|---|---|---|
Expression | 1 to 2 | C to E |
Life | 2 to 5 | B to E |
Active | 2 to 8 | B to E |
Sting | 2 to 7 | C to G |
Sport | 4 to 8 | G to H |
SE | 3 to 10 | A to H |
Limited Edition | 3 to 13 | C to G |
White/Red/Black Edition | 19 | E to H |
Griffin | 4 to 8 | G to H |
Energy | 3 to 12 | A to H |
Excite | 3 to 12 | A to E |
As well as the insurance group of the vehicle, your provider will also consider:
Insurers view younger drivers as being more likely to cause road accidents, so premiums tend to be higher
Living in an area that suffers from higher rates of car theft or vandalism is likely to increase your premiums
Your job might affect your premiums as some professions are deemed more-at-risk to road incidents than others
Having previous insurance claims or driving convictions tells insurers you’re more likely to make one in the future - so your premiums go up
Simply, the further you travel the more likely you are to have an accident. This is how insurers see it, and so price premiums accordingly
Where you leave your car also affects insurance costs - by parking your vehicle in a private garage or driveway, you could earn lower premiums
The Vauxall Corsa is predominantly favoured by youngsters with almost two-thirds of its drivers being aged under 30. In terms of ownership by region, while the more densely populated London and the North West are the two biggest locations, West Midlands (13%) and Yorkshire and the Humber (11%) are not far behind2.
2Based on fully comprehensive car insurance policies with one driver holding a full UK licence. Data collected between September 2020 and March 2021, accurate as of May 2021.
Vauxhall Corsa drivers can choose from three different types of car insurance policy:
Fully comprehensive insurance covers both you and the third party if you’re involved in an accident. It’s typically the most complete protection you can get, as well as the cheapest
£827 on average2
Third-party, fire and theft offers cover for damage done to a third-party, their vehicle or their property, but also adds cover for your own car if it's stolen or damaged by fire
£1,124 on average2
Third-party insurance is the minimum legal requirement to drive in the UK. In the event of an incident that’s your fault, your insurance will cover damage to the other party, but not to your own car
£1,637 on average2
2Based on car insurance policies with one driver holding a full UK licence. Data collected between September 2020 and March 2021, accurate as of May 2021.
There are several ways you might be able to cut the cost of your car insurance:
Young drivers could benefit from having a telematics device (or black box) installed in their car to track their driving habits. As the insurer learns they are sensible, the premiums can reduce
In some cases – particularly if the damage is quite minor – it may be better to pay for the repairs yourself. This will protect your no-claims bonus which could add up to a sizeable discount if you build it up over the years
Car insurance providers sometimes offer extras when you buy a policy. Consider whether you really need them, and if you decide you do, see if they are cheaper being bought separately first
Adding a more experienced driver to your insurance policy can also cut premiums for younger motorists as insurers are reassured the driving responsibility is shared
It’s straightforward to compare car insurance quotes with MoneySuperMarket. Let us know a little about yourself and the vehicle you want to insure and we’ll search from our panel of leading insurers to find you the best quotes.
You can compare by cost, the cover you’ll get and the excess you must pay to make a claim. Once you’ve found the deal you want, just click through to the provider to finalise your purchase.
