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Citroen C3 insurance cost UK 2026

Citroen C3 insurance averages about £673 a year for comprehensive cover in 2026, with the current 2024-on hatchback in insurance group 23 — yet older C3s sit as low as group 2, and the 2017–2024 PureTech 82/83 versions rate a gentle group 8. That spread makes the C3 one of the widest-priced superminis on the road: a sensible used one undercuts the ~£719 UK average quoted premium comfortably, while the new hybrid and the electric e-C3 (group 24) cost noticeably more to cover. Groups by version, premiums by age and the cheapest ways to insure one are below.

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Typical Citroen C3 insurance costs

Independent research from our UK cost index — sourced from ABI and Confused.com published data.

Groups 8-24
Recent C3 range — new model group 23, e-C3 group 24
£673/yr
Average comprehensive premium (Finder, 2026)
6% below avg
vs £719 average quoted premium (Confused.com)
Direct Answer

Why Citroen C3 insurance costs what it does

For a typical experienced driver, comprehensive cover on a Citroen C3 averages around £673 a year in 2026 (Finder UK quote sampling) — about 6% below the ~£719 average quoted premium in the Confused.com Price Index, and above the ~£560 the ABI says motorists actually paid on average (quoted and paid figures are different bases, so never compare one directly with the other). Which side of that average you land on depends almost entirely on which C3 you pick, because the model spans three very different rating eras:

  1. Classic supermini economics on older cars (groups 2–8) — 2017–2024 C3s with the 82/83hp PureTech petrol engine rate just group 8 across Touch, Feel, Origins and Flair trims, and Finder puts the oldest C3s as low as group 2. Modest power, a low list price and cheap, plentiful parts keep both claims costs and premiums small.
  2. A big rating jump on the 2024-on generation (group 23) — every current C3 trim (Plus, Collection and Max, whether 1.2 PureTech, 1.2 Turbo or Hybrid 110 e-DCS6) rates group 23. A higher list price, the hybrid drivetrain and standard driver-assistance kit — including a windscreen camera that needs recalibrating after a glass replacement — push repair bills, and therefore the Thatcham group, sharply up.
  3. EV repair economics on the e-C3 (group 24) — the electric e-C3 rates group 24 on every trim. Its 44kWh battery is the single most expensive component on the car, and battery inspection or replacement after even moderate accident damage keeps EV claims costs — and groups — higher than the petrol equivalent.

One thing the C3 does not carry is a theft premium: unlike hot hatches and premium SUVs, it is not a target for organised theft, and its claims profile is dominated by low-speed urban knocks — one reason even the group 23 new model still quotes reasonably for experienced drivers.

Premium Data · 2026

Citroen C3 insurance cost by driver age

Sample comprehensive quotes from Finder’s 2026 Citroen C3 analysis. The age rows are for an older group 2 C3 — the cheapest route into C3 ownership — while the final row is Finder’s average across all C3 versions and ages. A 2024-on car in group 23, or an e-C3 in group 24, will quote above the age-row figures shown here (Finder’s group 24 sample for a 30-year-old was about £773 a year).

Citroen C3 insurance cost by driver age — UK 2026
A 20-year-old pays nearly double an over-50’s premium — but every age row beats the £719 UK average quote.
Age 20 (group 2)£766 Age 30 (group 2)£465 Age 40 (group 2)£419 Age 50 (group 2)£406 All C3 versions avg£673

Source: Finder UK Citroen C3 insurance analysis, 2026 (sample quotes and all-versions average).

Driver profileTypical annual premiumBasis
Age 20£766Group 2 C3, comprehensive
Age 30£465Group 2 C3, comprehensive
Age 40£419Group 2 C3, comprehensive
Age 50£406Group 2 C3, comprehensive
All ages, all C3 versions£673Finder average, comprehensive

Source: Finder UK Citroen C3 insurance analysis, 2026 (sample quotes and all-versions average). Benchmarks: Confused.com Price Index ~£719 average quoted premium (June 2026); ABI ~£560 average paid (Q1 2026) — different bases, never mixed here.

Insurance Groups

Citroen C3 insurance groups by version

Group ratings for popular C3 versions on the UK 1–50 scale — the higher the group, the dearer the cover. New to the system? See our insurance groups guide.

VersionEngineInsurance group
Touch / Feel (2017–2024)1.2 PureTech 82/838
Origins / Flair Nav Edition (2017–2024)1.2 PureTech 82/838
Higher-output petrol & BlueHDi diesel (2017–2024)1.2 PureTech 110 / 1.5 BlueHDiup to 22
Plus (2024 on)1.2 PureTech / Hybrid 110 e-DCS623
Collection (2024 on)1.2 Turbo / Hybrid 110 e-DCS623
Max (2024 on)1.2 Turbo / Hybrid 110 e-DCS623
ë-C3 — all trims (2024 on)44kWh electric, 113hp24

Source: Parkers group-rating data (Thatcham Group Rating Panel determinations) for the 2017 and 2024 C3 ranges; RAC / Carwow for the e-C3. Finder UK puts the oldest C3s as low as group 2. Checked August 2026.

Pay Less

The cheapest way to insure a Citroen C3

Pick the version before you pick the insurer. The single biggest lever is the 15-group gap between generations: a 2017–2024 PureTech 82 or 83 in group 8 — Touch, Feel, Origins or Flair Nav Edition — will always undercut a group 23 2024-on car for the same driver, and Finder’s sampling shows an older C3 costing an over-50 as little as about £406 a year. For a young driver the difference is starker still: the group 2 sample quote at age 20 was £766, while a group 24 car quoted £1,180 for the same age.

Then work the policy itself. Pay annually if you possibly can — Finder’s C3 monthly figure of £61.04 works out around £732 a year, roughly 9% more than the £673 annual average. A black box (telematics) policy routinely takes hundreds off a young C3 driver’s quote; a realistic annual mileage, an off-road or driveway parking spot, a sensible voluntary excess and an experienced named driver all trim the price further. And because the C3 straddles the car/EV divide, always compare like-for-like: petrol, hybrid and electric versions can sit with different insurers’ sweet spots.

Considering alternatives? If the new C3’s group 23 rating stings, the obvious swap is a late 2017–2024 C3 in group 8 rather than a different badge. Going electric, note that the e-C3’s group 24 is high for a budget EV — the Renault 5 starts at group 19 and the BYD Dolphin Surf from group 14 (RAC) — so it pays to quote all three before committing. You can compare more models in our insurance costs by vehicle hub.

FAQ

Citroen C3 insurance — your questions answered

It depends on the generation. Every 2024-on C3 trim (Plus, Collection, Max — petrol, turbo or Hybrid 110) rates group 23, and the electric e-C3 rates group 24 on all trims. The 2017–2024 hatchback spans groups 8–22, with the PureTech 82/83 petrol versions at group 8, and Finder puts the oldest C3s as low as group 2.
Finder’s 2026 sampling puts the all-versions Citroen C3 average at about £673 a year for comprehensive cover — around 6% below the ~£719 UK average quoted premium in the Confused.com Price Index. On an older group 2 car the samples ran from £406 a year at age 50 to £766 at age 20.
The 2024-on C3 jumped from group 8 to group 23 because the Thatcham rating reflects repair cost, not just performance. The new car carries a higher list price, a hybrid e-DCS6 drivetrain on many versions, and standard driver-assistance kit — including a windscreen camera that must be recalibrated after a glass replacement — all of which make the average claim considerably more expensive to settle.
Relatively, yes. The e-C3 rates group 24 whichever trim you choose — the highest of any C3, and high for a budget EV when the Renault 5 starts at group 19 and the BYD Dolphin Surf at group 14. The 44kWh battery is the culprit: post-accident battery inspection or replacement makes EV claims dearer. Finder’s group 24 sample quotes ran from about £634 a year at age 40 to £1,180 at age 20.
The 2017–2024 hatchback with the 82 or 83hp PureTech petrol engine — Touch, Feel, Origins and Flair Nav Edition trims all rate group 8, the lowest of any recent C3. Go older still and Finder rates some earlier C3s as low as group 2, where an over-50 sample quote was about £406 a year. Among current cars there is no cheap pick: every 2024-on version is group 23 or 24.
An older one, yes. A group 2–8 used C3 is exactly the profile insurers like for new drivers — low power, low value, cheap parts — and Finder’s age-20 sample of £766 a year on a group 2 car is well below what most teenagers pay. A telematics (black box) policy usually cuts that further. A brand-new group 23 C3 or group 24 e-C3 is a much harder sell for a first policy.
On average, yes. Finder’s all-versions C3 figure of about £673 a year sits roughly 6% below the ~£719 UK average quoted comprehensive premium in the Confused.com Price Index (June 2026). Note that the ABI’s ~£560 figure measures premiums actually paid, which is a different basis — the C3 comparison here uses quoted data against quoted data.
Both, in the wrong direction. Finder’s C3 monthly figure of £61.04 equates to roughly £732 a year — about 9% more than the £673 annual price — because instalments carry interest. Modifications, from alloys to remaps, must be declared and almost always raise the premium on a car whose low group rating depends on standard, cheap-to-repair parts; an undeclared modification can void a claim entirely.

Our sources

Reviewed by the Car Insurance Expert editorial team

Premium figures on this page are drawn from Finder’s published Citroen C3 quote sampling and cross-checked against the Confused.com Price Index and ABI premium tracker; insurance groups are verified against current Thatcham Group Rating Panel determinations via Parkers, with the e-C3 confirmed via the RAC. Quoted and paid averages are always labelled and never mixed.

Last updated: 2026-08-02

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