DS 3 insurance group and cost

The DS 3 is a reliable award-winning small crossover and is one of the most affordable SUVs on the market. In this guide, you’ll discover everything you need to know about insuring this vehicle.

What insurance group does the DS 3 fall under?

This vehicle falls within car insurance groups 10-37, so you can expect to pay below average to insure this vehicle compared to others on the road.

The costs will vary slightly between different DS 3 insurance groups, due to the different factors related to the vehicle. As an example, a 30-year-old driver in an average postcode could pay around £640 for cover on a DS 3 1.2 PureTech DSign 3d that is in insurance group 10 or around £722 for a DS 3 1.6 BlueHDi Chic 3d that is in insurance group 21. From this comparison, we can see the impact of premium pricing when one car is in a much higher insurance group.

Using the table below, you can find out the insurance group of your DS 3 model, and how much you’re likely to pay for your car insurance.

• How we got these rates

  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. Updated: June 2024 (source: Confused).

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DS 3 insurance cost by location

Your location is another powerful factor when it comes to determing the cost of insuring your vehicle. To show the power of the postcode, here are some average quotes for a 30-year-old living in three UK locations. The quotes are for a DS 3 1.2 PureTech Chic 3d.

• Expensive: £942 (London SE1)
• Average: £613 (Newcastle NE1)
• Cheap: £588.52 (Galashiels TD1)

• How we got these rates

  These rates are based on the average cost of cover for cars in the locations shown. Our research suggests SE1 is one of the most expensive locations, NE1 represents an average cost location and TD1 represents one of the cheapest locations. Updated: June 2024 (source: Confused).

Which factors affect my DS 3 insurance rate?

Here are some more examples of key factors that have the biggest impact on your insurance premium costs:

• Engine type and capacity. As a general rule of thumb, your car insurance will increase if your vehicle has a large and powerful engine. The DS 3’s engines range from 1.0-litre up to 1.6-litres, so the premium can change. For example, you would pay around £942 for insurance on a DS 3 1.2 PureTech DStyle 3d, while you could pay up to £1,617 for a DS 3 1.6 BlueHDi Prestige 3d. In this specific example, the DS 3 1.6 DDiS SZ-T 5d that is 0.6 litres bigger in engine size, costs an extra £113 to insure.
• Driver location. Where you live helps determine the level of risk that your car may be stolen or you’ll be involved in an accident, and this affects the cost of insurance. For example, a 30-year-old in central London may pay £1,499 for insurance for a DS 3 1.2 PureTech Prestige 3d EAT6, while the same 30-year-old in Newcastle may only pay £701. That’s a £139 difference based just on where you live.
• Driver age. The youngest drivers are likely to pay a lot more for insurance, because they are statistically a lot more likely to make a claim. As an example, the average 20-year-old driver in London may pay £21,545 for the DS 3 1.6 THP 210bhp Performance BRM Chrono 3d, while the average 40-year-old Londoner will only pay £1,831. That’s almost double what a 20-year-old driver would have to pay compared to a 40-year-old and this tends to be the case regardless of what car they are driving.

Other factors that influence the cost of your insurance include:

• Your marital status
• Your car’s safety rating score and security features
• The model and age of your car
• Your annual miles driven
• Your driving history and activity, including your no-claim discount
• Your credit history and job

How can I save on my DS 3 premium?

Whilst car insurance is a necessary legal requirement, you don’t want it clearing out your bank account. Here are some ideas to help you lower the cost of your premium.

• Limit your car usage (where possible). By occasionally deciding to walk or take public transport, rather than using your car, you help to save on your premium.
• Pay annually, rather than monthly. Whilst it might be scary to part with a large sum of money in one go, by paying annually you won’t be subject to interest on monthly payments.
• Install extra safety precautions. The more safety features added, the safer your car is deemed to be, and the less you’ll have to pay to insure it.
• Shop around for the best deal. When it’s time to renew your insurance, shop around and find the cheapest deal. In most cases, you’ll find a better deal by switching insurance companies.

Frequently asked questions

• What is the top speed of an DS 3?

  Depending on the model version, DS 3s can reach top speeds of 129mph.

• Is the DS 3 safe?

  This vehicle scored 3 stars in its Euro NCAP crash test. It rated as 69% for protecting adult occupants and 37% for protecting child occupants.

• How much car tax do I have to pay for the DS 3?

  The UK standard car tax rate sites at £150 per year. However, you might pay more or less depending on your car’s emissions.

• Where can I buy a DS 3?

  This vehicle is available from dealerships across the UK, as well as online and from previous owners second-hand.

• What engine size is the DS 3?

  A DS 3 comes with engine sizes ranging from 1.0 litre to 1.6 litres.

• Is the DS 3 any good?

  It’s not the best-performing vehicle in this class, but for the price you’ll pay, it’s a decent purchase.

• Where can I find DS 3 car insurance?

  You can compare the costs of insuring a DS 3 on any price comparison websites.

• Is an DS 3 expensive to insure?

  This depends on the specific model of DS 3 you have and the insurance group it falls under. DS 3 models fall into insurance groups ranging from 10-37, meaning the insurance will be on the relatively cheap side.

Written by

Danny Butler

Publisher

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

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