Toyota Aygo Insurance Group

The Toyota Aygo is an impressive small city car, which packs a lot of punch, despite being relatively cheap to buy, run and insure. In this guide, you’ll discover the key facts about insuring a Toyota Aygo.

Toyota Aygo car insurance group and cost by driver’s age

When it comes to car insurance, all vehicles are assigned an insurance group from 1 (cheapest) to 50 (most expensive), which will determine the cost of your premium. Toyota Aygo models range from insurance groups 5 to 9, which means that the cost of insurance for your Toyota Aygo won’t vary massively based on the car model. However, there are lots of factors that will determine the cost of your car insurance based on your own individual circumstances. For example, a 30-year-old driver in an average postcode could pay around £641 for cover on a Toyota Aygo 1.0 VVT-i X-Pure TSS (INstyle) 5d, or around £537 for a Toyota Aygo X-Trend 1.0 VVT-i 5d.

You can find the insurance group, and likely premium cost, of your Toyota Aygo model in the table below.

• 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).

Average Toyota Aygo insurance cost

To provide you with an idea of how much it may cost you to insure your Toyota Aygo, we ran several quotes to find an average figure. Our results estimated that, on average, you could insure your Toyota Aygo with a comprehensive policy for the monthly price of £60.23, or an annual sum of £663.04

• How we got this rate

  To generate these quotes we used the following information:

  • The vehicle is a 2018 model
  • Manual transmission
  • Petrol
  • 1-litre engine
  • Factory fitted alarm system
  • The car is not modified
  • Driving licence is held for 10 years
  • Used for social, domestic and commuting purposes
  • 10,000 mileage per year
  • £250 voluntary excess
  • The car is parked in a secure, work car park during the day
  • The car is parked on a private driveway at night
  • Owner is a 30-year-old, single teacher from London
  • Five years no claims discount
  • No driving or other convictions in the last 5 years

Toyota Aygo insurance cost by location

The table above shows the average cost of Toyota Aygo insurance based on insurance groups and driver age, but location also affects the cost of your premium.

To show the power of the postcode, here are some average quotes for a 30-year-old living in three different locations. The quotes are for a Toyota Aygo 1.0 VVT-i X-Cite 2 5d.

• Expensive: £901 (London SE1)
• Average: £689 (Newcastle NE1)
• Cheap: £653.01 (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 Toyota Aygo insurance rate?

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

• Engine type and capacity. In general, the bigger the engine, the higher the cost of your insurance. However, with the Toyota Aygo, every model has a standard 1-litre petrol engine.
• 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 £901 for insurance for a Toyota Aygo 1.0 VVT-i X-Cite 2 (X-nav) 3d, while the same 30-year-old in Newcastle may only pay £689.
• Driver age. The younger you are, the more risk you represent to insurers, which means you might end up paying more for your insurance. The average 20-year-old driver in London may pay £3,289 for the Toyota Aygo 1.0 VVT-i X-Cite 5d, while the average 40-year-old Londoner will only pay £805.

Other factors that influence the cost of your insurance include:

• Your marital status
• Your credit history and job
• Your car’s safety rating
• The model and age of your car
• Your car’s security and any extra anti-theft precautions
• Annual miles driven
• Your car usage
• No claims discount

How can I save on my Toyota Aygo premiums?

Whilst car insurance is a must, you don’t want it leaving you with an empty bank account. Understandably, when searching for insurance, you’ll want to find the best deal for a price that’s affordable for you. There are some tips you can try in order to get a reduction in your premium, which we’ve listed below.

• Be economical about your car usage. Making the decision to occasionally walk or get public transport rather than using your car, can help save on your insurance premiums.
• Pay annually rather than monthly. Although it’s scary to part with a large sum of money in one go, paying annually can save you an average of £59.72 a year.
• Install extra safety precautions. The safer your car is, the less of a risk it will be for companies to insure. By adding extra safety measures, you could lower your insurance premium.
• Shop around when its time to renew your policy. Although it can be time consuming, when it’s time for renewal, make sure you shop around and don’t just settle for the renewal price given to you – there could be cheaper options out there!

Toyota Aygo facts and trivia

• The name “Aygo” supposedly comes from “i-go”, which means freedom and mobility.
• In other parts of the world, this vehicle is sold as the Citroen C1 or the Peugeot 108

Bottom line

With an insurance group ranging from 5-9, Toyota Aygos are one of the cheapest cars to insure and you should be able to find a good level of cover at an affordable price.

However, don’t forget that a number of factors can affect your insurance premiums such as your age, your location, your driving history and the insurer you select.

Frequently asked questions

• What is the top speed of a Toyota Aygo?

  Depending on the model version, you can expect a Toyota Aygo to reach a top speed of 99 miles per hour.

• Is the Toyota Aygo safe?

  This vehicle only managed to achieve a 3-star rating out of 5 in its Euro NCAP crash tests. This rating included a 74% rating for protecting adult occupants and 63% for protecting child occupants.

• How much car tax do I have to pay for the Toyota Aygo?

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

• Where can I buy a Toyota Aygo?

  You can buy a Toyota Aygo at dealerships, using online sellers or from a current owner.

• Is the Toyota Aygo any good?

  The Toyota Aygo is very affordable, but most reviewers agree it does sacrifice quality in key areas. The vehicle was awarded 3 stars out 5 by What Car and AutoCar. It was granted a 6/10 rating by Top Gear.

• Where can I find Toyota Aygo car insurance?

  You can compare the costs of Toyota Aygo car insurance using any price comparison website.

• Is a Toyota Aygo expensive to insure?

  The Toyota Aygo can be found in insurance groups ranging from 5 to 9. This means they’re among the cheapest cars to insure on the road.

Compare insurance for other Toyota models

*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (July ’24). 51% of car insurance customers could save £523.17

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