The Citroen Xsara was first produced in 1997, and remained a popular vehicle until production was ceased in 2006. This car was a familiar sight on UK roads during its lifetime, and continued to live on in the popular Citroen Xsara Picasso.
Keep reading to see how much insuring a Citroen Xsara would cost you.
What insurance group does the Citroen Xsara fall under?
All vehicles are assigned a specific insurance group that ranges from 1 (cheapest) to 50 (most expensive), which helps to determine the cost of your premium. Citroen Xsara models can be found in insurance groups ranging from 11 to 27, meaning costs will typically be a cheap price for car insurance. As an example, a 30-year-old driver in an average postcode could pay around £699 for cover on a Citroen Xsara 1.4i L 5d that is in insurance group 11 or around £831 for a Citroen Xsara 2.0i 16V SX 5d Auto that is in insurance group 27. This shows the impact on premium pricing that occurs when one car is in a much higher insurance group.
These rates are based on the average cost of cover for cars in the insurance groups shown, for drivers of different ages with a Newcastle (NE1) postcode, which our research suggests represents an average for insurance rates in the UK.
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To provide you with an idea of how much it could cost you to insure your Citroen Xsara, we ran a selection of quotes to find an average figure. Our results estimated that you could insure your Citroen Xsara with a comprehensive policy for the average cost of £64.32 a month, or £706.12 a year. To run these quotes, we used the following information:
The car is a 2005 model
The driver is a 30-year-old teacher from London
Manual transmission
Petrol
10,000 mileage per year
Factory fitted Thatcham approved alarm system
Used for social, domestic and commuting purposes
The car is not modified
The car is parked in a car park during the day
The car is parked on a driveway at night
Five years no claims discount
No driving or other convictions for the past 5 years
Which factors affect my Citroen Xsara insurance rate?
There are a wide variety of factors that may influence your premium rate. Some of these factors include:
Your age, marital status, job and where you live
The model and age of your car
Your car’s safety rating, security and any anti-theft precautions
Whilst car insurance is a must, it shouldn’t leave you with a hole in your pocket, so we’ve put together a list of tips for you to try that may help you to lower your premiums. Our advice:
Pay annually rather than monthly. By paying annually, you could save an average of £65.72 a year.
Make yourself a secure investment. The more you appeal to your provider, the more likely it is that you will be rewarded with lower premiums. By keeping a clean history of no claims and a good credit rating, you may find yourself saving some money!
Be economical about your car usage. Limiting your car usage will help to keep mileage, and thus your premiums, low.
Don’t just accept your renewal quote. Renewal quotes aren’t always the best offers out there, so make sure you shop around to find the price that’s right for you.
Install extra safety precautions. Providers don’t like to insure risks, so by investing in some extra safety measures, you may save money on your premiums.
Avoid driving convictions. Convictions of any kind will increase your premiums, so do your best to avoid any.
Facts about the Citroën Xsara
The design of the Citroen Xsara was a development on the Citroen ZX and the Peugeot 306.
A World Rally Car was created, called the Xsara WRC, that was based on the normal Xsara. It was one of the most successful cars ever to compete, and won the Autosport Rally Car of the Year award from 2003 to 2005.
Despite being discontinued in Europe in 2004, the Xsara continues to be offered in China.
Bottom line
The Citroen Xsara wasn’t necessarily and exciting car when it was brand new. Now, they’ve been out of production for 15 years. Even so, they’re not particularly cheap to insure. The tips in this guide will help you to keep your premiums a bit lower.
Frequently asked questions
Depending on the model version, you can expect a Citroen Xsara to reach a top speed of 112 miles per hour.
The Citroen Xsara was last tested by Euro NCAP under their old system in 1998. Whilst we’re unable to provide you with an overall safety rating, the Xsara did score a 3/5 rating for its adult occupant safety, and 2/4 for its pedestrian safety.
With its pedestrian safety rating, it was commented that the Xsara offered good protection for legs and children, but the majority of adult impact area sites were rated as poor for protection.
As previously mentioned, the safer your car is, the lower your premiums may be. As standard, the Xsara comes with a fairly limited range of safety measures, namely including airbags and ABS, which prevents your wheels from locking when you brake. Whilst you may wish to invest in extra safety measures, the optional features for this car are vastly limited due to the age of the model and the fact that it is no longer in production.
The UK standard car tax rate sits at £150 per year. However, you might pay more or less depending on your car’s emissions.
You can buy a Citroen Xsara from dealerships, online sellers or a current owner.
You can compare the costs of Citroen Xsara car insurance using any price comparison website.
The Citroen Xsara can be found in insurance groups ranging from 11 to 27. Most Citroen Xsara models are cheaper than the average rate to insure, although for its most powerful models, you can expect to pay slightly above the average rate.
*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (July ’24). 51% of car insurance customers could save £523.17
The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
Danny is a publisher at Finder specialising in insurance and investing. He previously worked at the global insurer Aon and has appeared in national media giving advice on insurance. Danny holds a BA in International Business from the University of Plymouth and has undying loyalty to his average-poor football team, Portsmouth FC. See full bio
Danny's expertise
Danny has written 347 Finder guides across topics including:
Read our comprehensive guide and find out how much it may cost you to insure a Citroën C1 and how to save on your car insurance premiums.
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