The Volkswagen Fox is a subcompact vehicle with the typical efficiency you can expect from this German manufacturer. This vehicle is safe, roomy, fuel-efficient and affordable. In many ways, it’s the perfect first car. In this guide, you will discover all you need to know about insuring this vehicle.
What insurance group does the Volkswagen Fox fall under?
All vehicles are assigned an insurance group that ranges from 1 (cheapest to insure) to 50 (most expensive). This helps to determine the cost of your premium offered to you by insurers. Volkswagen Fox models appear in insurance groups ranging from 1 to 3, meaning it’s among the cheapest cars in the world to insure.
The costs will vary slightly depending on what group your chosen Volkswagen Fox model sits in. As an example, a 30-year-old driver in an average postcode could pay around £695 for cover on a Volkswagen Fox 1.2 3d that is in insurance group 1 or around £526 for a Volkswagen Fox 1.4 Urban Fox 3d that is in insurance group 3. That’s quite a significant difference between the various Volkswagen Fox models.
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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Your location plays a key role in how much you’ll be charged for your car insurance. 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 Volkswagen Fox 1.4 3d.
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 Volkswagen Fox insurance rate?
Along with the insurance group your car appears in, there are a number of key factors that have a large impact on your insurance premium costs:
Engine type and capacity. The bigger the engine within your vehicle, the more you’re likely to pay to insure it. For example, it may cost £695 for insurance for a Volkswagen Fox 1.2 3d, while you may pay £526 for a Volkswagen Fox 1.4 Urban Fox 3d.
Driver location. Insurers will assess the likelihood of your car being stolen or damaged based on where you live. This will affect the size of your premium. For example, a 30-year-old in central London may pay £695 for insurance on a Volkswagen Fox 1.2 60bhp 3d, while the same 30-year-old in Newcastle may only pay £695. This £85 difference between London and Newcastle is because Londoners are statistically more likely to make a claim on car insurance.
Driver age. The youngest drivers will pay the most for insurance. The average 20-year-old driver in London may pay £2,174 to insure the Volkswagen Fox 1.2 Urban Fox 3d, while the average 40-year-old Londoner will only pay £675. The average 20-year-old will have to pay almost double because motorists of this age are far more likely to make a claim.
Other factors that influence the cost of your insurance include:
Your car’s security and any extra anti-theft precautions
Your marital status
How can I save on my Volkswagen Fox premium?
When searching for car insurance, it’s worth searching for the best possible deal. Here are some ideas you can try to lower the cost of your premium.
Limit your car usage (where possible). By occasionally deciding to walk or get public transport, rather than using your car, you can reduce your annual mileage which will help you to save on your premium.
Pay annually rather than monthly. It might be scary to part with a large sum of money in one go, but by paying annually you will eliminate the possibility of paying interest on monthly payments.
Install extra safety precautions. This makes your car less of a risk to insure, allowing insurers to offer you lower quotes.
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
One of the reasons why the Volkswagen Fox is labelled as the ‘perfect first car’ is it’s affordable insurance costs. It’s one of the cheapest cars on the road to insure, and the tips in this guide can help you reduce your premiums even further.
Frequently asked questions
Depending on the model version, Volkswagen Foxes can reach a top speed of 92mph.
The UK standard car tax rate sites at £150 per year. However, you might pay more or less depending on your car’s emissions.
These vehicles can be bought from any Volkswagen dealer, via an online seller or from a previous owner.
This vehicle is available with engines sized between 1.2 litres and 1.4 litres.
The Volkswagen Fox is an affordable entry-level car. If you have a small motoring budget, this vehicle is likely to be on your radar.
You can compare the costs of insuring a Volkswagen Fox using any price comparison website.
No! Volkswagen Fox models appear in insurance groups ranging from group 1 to group 3, meaning this vehicle is one of the cheapest in the world to insure.
*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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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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Danny has written 335 Finder guides across topics including:
Read our comprehensive guide and find out how much it may cost you to insure a Volkswagen Golf and how to save on your car insurance premiums.
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