Skoda Karoq insurance group

The Skoda Karoq is a small entry-level SUV that offers plenty of room. In general, it’s affordable to run and insure. In this guide, we take a closer look at the average insurance costs based on the specific model version and the demographics of the driver.

What insurance group does the Skoda Karoq fall under?

All vehicles are assigned a specific insurance group that ranges from 1 (cheapest to insure) to 50 (most expensive). These groups help insurers to determine a suitable premium to set for each vehicle on the road. Skoda Karoq models can be found in insurance groups ranging from 10 to 22, meaning the car insurance will be on the cheap side.

However, the costs will vary depending on your choice of Skoda Karoq model, the factors related to it and what groups it falls under. As an example, a 30-year-old driver in an average postcode could pay around £640 for cover on a Skoda Karoq SE Drive 1.0 TSI 115PS 5d that is in insurance group 10 or around £777 for a Skoda Karoq SportLine 2.0 TSI 190PS 4×4 DSG auto 5d that is in insurance group 22. From this comparison, we can see the impact on premium pricing when one car is in a much higher insurance group.

• 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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Skoda Karoq insurance cost by location

You can use the table above to discover the average cost of Skoda Karoq insurance, based on its insurance group and the driver’s age. However, there are other factors affecting the cost of your car insurance premium.

Your location is one of the most significant of these factors.

To show the potential influence of your home address, we have pulled together some average quotes for a 30-year-old living in three different locations. The quotes are for a Skoda Karoq 1.5 TSI SE Technology 4×4 DSG 5d.

• Expensive: £1,005 (London SE1)
• Average: £704 (Newcastle NE1)
• Cheap: £703 (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 Skoda Karoq insurance rate?

Along with insurance group, there are a number of key factors that have the biggest impact on your insurance premium costs:

• Engine type and capacity. As a general rule, the larger the engine in your vehicle, the more you expect to pay to insure it. For example, it may cost £839 to insure a Skoda Karoq SE Drive 1.0 TSI 115PS 5d, while you may pay £1,125 for a Skoda Karoq SportLine 2.0 TSI 190PS 4×4 DSG auto 5d. That’s an extra £119 per year for a Skoda Karoq with an engine that is 1 litre bigger.
• Driver location. Where you live helps insurers to determine the risk of your car being stolen or involved in an accident. If you live in an area where this is more likely to happen, your insurer will raise your premium to compensate for this. For example, a 30-year-old in central London may pay £1,465 for insurance for a Skoda Karoq SE L 1.5 TSI ACT 150PS 4×4 DSG auto 5d, while the same 30-year-old in Newcastle may only pay £674. That’s a £151 difference, purely because motorists in London are more likely to claim on their car insurance.
• Driver age. The youngest drivers represent a bigger risk to insurers, because they are the most likely to claim on their policies. That’s why they are charged far more. The average 20-year-old driver in London may pay £3,286 for the Skoda Karoq Edition 2.0 TDI 150PS 4×4 DSG auto 5d, while the average 40-year-old Londoner will only pay £901. In this scenario, the average 20-year-old would have to pay almost double to insure a Skoda Karoq, such is the added risk they present to insurers.

Other factors that influence the cost of your insurance include:

• Your car’s safety rating score
• The model and age of your car
• Your car’s security and any extra anti-theft precautions
• Your annual mileage
• Your driving history and activity, including your no-claim discount
• Your marital status
• Your credit history and job

How can I save on my Skoda Karoq premium?

When hunting for car insurance, you’ll want to find the best deal for a price that’s within your budget. Here are some ideas you can try to lower the cost of your premium.

• Reduce your annual mileage. Occasionally deciding to walk or getting public transport, rather than using your car, can help to save on your premium.
• Pay annually rather than monthly. Paying annually eliminates the possibility that you’ll be charged interest on your monthly instalments.
• Install extra safety precautions. As a general rule, the safer you can make your car, the less you’ll pay to insure it.
• Shop around for the best deal using price comparison websites. Don’t blindly settle for the renewal price given to you – there may be cheaper options out there!

Bottom line

For an SUV of its size, the Skoda Karoq is relatively cheap to insure. Better yet, the tips in this guide will help you to cut your premiums even further.

Frequently asked questions

• What is the top speed of a Skoda Karoq?

  Depending on the model version, you can expect a Skoda Karoq to reach a top speed of 135 miles per hour.

• Is the Skoda Karoq safe?

  The Skoda Karoq achieved a full 5-star rating in its Euro NCAP crash tests. This included a 93% score for protecting adult occupants and a 79% score for protecting child occupants.

• How much car tax do I have to pay for the Skoda Karoq?

  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 Skoda Karoq?

  You can buy a Skoda Karoq from dealerships, online sellers or current owners across the UK.

• What engine size is the Skoda Karoq?

  There are many engine sizes to choose from, ranging from 1 litre to 2 litres.

• Is the Skoda Karoq any good?

  This new vehicle has a lot of competition as the demand for small SUV hots up. Sure, there are more powerful vehicles out there, but this car provides great value for money.

• Where can I find Skoda Karoq car insurance?

  You can compare the costs of Skoda Karoq insurance using any price comparison website.

• Is a Skoda Karoq expensive to insure?

  Skoda Karoq models are found in insurance groups ranging from 10 to 22, meaning it will be cheaper than the average vehicle to insure.

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

Danny's expertise

Danny has written 350 Finder guides across topics including:

• Car, home and business insurance
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