The Vauxhall Viva is an affordable and practical five-door city car. Outside of Europe, this vehicle is known as the Opel Karl. In this guide, you’ll learn how much it could cost to insure based on the specific model version and the demographics of the driver.
Why choose a Vauxhall Viva?
The Vauxhall Viva presents more space than most city cars. It is also a lot nippier and more fun to drive than a lot of its competitors.
Which insurance group does the Vauxhall Viva fall under?
When it comes to car insurance, all vehicles are given a specific insurance group that ranges from 1 (cheapest) to 50 (most expensive) which helps determine the cost of your premium. Vauxhall Viva models range from insurance groups 3 to 5, so the cost of insurance can be on the cheaper side. As an example, a 30-year-old driver in an average postcode could pay around £526 for cover on a Vauxhall Viva 1.0 ecoFLEX SE 5d which is in insurance group 3, or around £498 for a Vauxhall Viva SE Nav 1.0i (73PS) (a/c) 5d which falls under group 5.
You can find the insurance group, and likely premium, of your Vauxhall Viva model in the table below.
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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The table above shows the average cost of Vauxhall Viva insurance based on insurance groups and driver age. However, there are plenty of other factors that affect the cost of your car insurance premium.
One of the biggest of these is your location.
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 Vauxhall Viva 1.0 ecoFLEX SE 5d.
Expensive: £791 (London SE1)
Average: £526 (Newcastle NE1)
Cheap: £538.27 (Galashiels TD1)
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 Vauxhall Viva 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. In general, the bigger the engine, the higher the cost of your insurance. An average 30-year-old may pay £526 for the 1.0-litre Vauxhall Viva 1.0 SE 5d, but could pay around £498 for the 1.0-litre Vauxhall Viva SL 1.0i (73PS) 5d.
Driver location. Insurers will use your home address to help determine how likely it is that you’ll make a claim on your policy. If you live in an area where motorists are more likely to claim, your premium will be higher. As an example, a 30-year-old in central London may pay £848 for insurance for a Vauxhall Viva SE 1.0i (73PS) 5d, while the same 30-year-old in Newcastle may only pay £564. That’s £119 extra per year if you live in London, because drivers in the capital are statistically more likely to claim on their car insurance than those living in Newcastle.
Driver age. The youngest drivers are the most likely to claim on their car insurance, and that’s why they are charged more. As an example, the average 20-year-old driver in London may pay £2,790 for the Vauxhall Viva 1.0 SL 5d, while the average 40-year-old Londoner will only pay £779. As you can see, in this example, the average 20-year-old would have to pay double to insure a Vauxhall Viva.
Other factors that influence the cost of your insurance include:
Your marital status
Your credit history and job
Your car’s safety rating score
The model of your car
The age of your car
Your car’s security and any extra anti-theft precautions
Annual miles driven
Your driving history and activity
No claim discount
How can I save on my Vauxhall Viva premium?
When searching for insurance, you’ll want to find the best deal for a price that’s within your budget. With that in mind, here are some tricks to lower the cost of your premium.
Reduce your annual mileage. If you can use your car less, you’ll be deemed a lower risk by insurers and receive a lower premium. So, consider whether there are any journeys that you can occasionally take on foot or by public transport.
Pay annually rather than monthly. If you pay annually, you’ll eliminate the possibility of being charged interest on monthly payments.
Install extra safety precautions. The safer your car is, the less of a risk you’ll be deemed to insurers. That’s why they will offer you a discount when you install extra safety precautions.
Shop around for the best deal. Don’t just settle for the renewal price given to you – there may be cheaper options out there!
Bottom line
The Vauxhall Viva is an attractive city car, which offers great value for money despite not being too powerful. It’s extremely affordable to insure, and the tips in this guide will help you to reduce your premiums even further.
Frequently asked questions
This vehicle achieved a 4-star rating in its Euro NCAP crash tests. In this test, the car rated at 74% for protecting adult occupants and 72% for protecting child occupants.
The UK standard car tax rate sites at £150 per year. However, you might pay more or less depending on your car’s emissions.
You can buy this vehicle at dealerships, from online sellers or from current owners across the UK.
All models of this vehicle come with a 1-litre engine.
Yes, it’s a great choice if you’re after an affordable, economical city car and especially if it’s also important for you to have a lot of space.
You can compare the costs of Vauxhall Viva car insurance using any price comparison website.
*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 336 Finder guides across topics including:
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