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MG HS insurance cost UK 2026

The MG HS costs around £745 a year to insure in 2026, with the 1.5 T-GDI petrol in insurance group 24–25 and the PHEV and Hybrid+ versions in groups 26–28. That puts one of Britain’s best-selling family SUVs about £145 above the roughly £600 a typical UK driver pays — a quirk of a budget-priced car carrying near-premium insurance groups. Below: premiums by driver age, why the HS rates where it does, cheaper alternatives and how to cut the quote. For other models, browse all vehicles we cover.

Cost by age → All vehicles
Typical MG Hs insurance costs

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

Group 24–28
Every 2026 MG HS variant
£745–£1,020/yr
Typical comprehensive premium
+£145 vs avg
Against the ~£600 UK average
Direct Answer

How much does it cost to insure an MG HS in 2026?

A typical low-risk UK driver pays around £745 a year (roughly £62 a month) for comprehensive cover on an MG HS with the 1.5 T-GDI petrol engine, and about £1,020 a year for the plug-in hybrid (PHEV) or self-charging Hybrid+ versions. The HS is MG’s best-seller and one of the UK’s top-ten new cars, and its premium is driven almost entirely by powertrain: the 169bhp petrol sits in insurance groups 24–25, the 296bhp PHEV in 26–27, and the 224bhp Hybrid+ — surprisingly the highest-rated of the three — in 27–28. Trim barely matters: a Trophy costs the same or one group more than the equivalent SE. Those are high groups for a £26,495 SUV, which is why the HS insures above the roughly £600 UK average despite undercutting rivals on list price. UK-wide averages come from the UK Car Insurance Cost Index.

The Numbers

MG HS insurance cost by driver age (2026)

Age is the biggest single factor in what you will pay for an HS. The figures below are indicative annual comprehensive premiums for the group-24/25 1.5 T-GDI petrol — the volume seller — and the group-26–28 PHEV and Hybrid+ versions, for an average UK postcode with a clean licence.

MG HS 1.5 T-GDI petrol insurance cost by driver age — UK 2026
A 50–64-year-old pays around £655 for the petrol HS; a 17–19-year-old pays more than three times as much.
17–19£2,150 20–24£1,600 25–29£1,080 30–39£840 40–49£745 50–64£655 65+£700

Source: Parkers / Thatcham insurance-group ratings (HS groups 24–28), Confused.com Price Index Q2 2026 (£719 UK average quoted), ABI Q1 2026 Motor Premium Tracker (£560 average paid) and a Car Insurance Expert composite quote sample across major UK insurers.

Driver age band1.5 T-GDI petrol (groups 24–25)PHEV & Hybrid+ (groups 26–28)
17–19£2,150£2,950
20–24£1,600£2,250
25–29£1,080£1,500
30–39£840£1,150
40–49£745£1,020
50–64£655£900
65+£700£955

Sources: Parkers / Thatcham insurance-group ratings (MG HS groups 24–28), Confused.com Price Index Q2 2026 (£719 UK average quoted), ABI Q1 2026 Motor Premium Tracker (£560 average paid) and a Car Insurance Expert composite quote sample. Indicative comprehensive premiums for a clean-licence driver in an average postcode; your quote will vary with postcode, no-claims and mileage.

Why Group 24–28

Why the MG HS sits where it does

The HS undercuts every mainstream rival on price — from £26,495 for a petrol SE against roughly £30,000-plus for an equivalent Qashqai or Sportage — yet carries higher insurance groups than most of them. Parkers and Thatcham Research rate the 2024-onwards HS like this in 2026:

  • 1.5 T-GDI petrol manual (169bhp) — group 24 in both SE and Trophy trim: the cheapest HS to insure
  • 1.5 T-GDI petrol DCT auto — group 25 (SE and Trophy): the automatic adds one group
  • PHEV (296bhp, 24.7kWh battery) — group 26 as an SE, 27 as a Trophy: hot-hatch pace and around 75 miles of electric range
  • Hybrid+ self-charging (224bhp) — group 27 as an SE, 28 as a Trophy: the highest-rated HS of all

Three things push a budget SUV into groups 24–28. First, performance: even the base petrol makes 169bhp where a rival’s entry engine offers 130–150bhp, and the PHEV’s 296bhp is genuinely quick. Second, repair economics: Thatcham’s rating leans heavily on parts prices and repair times, and SAIC-built MGs have historically had dearer, slower parts supply than the segment norm — the same reason electrified versions, with their battery and drivetrain hardware, rate higher again. Third, kit: every HS carries a big standard equipment count, so there is more to replace after a crash. The upshot: the petrol HS at around £745 a year costs roughly £20 more to insure than a Nissan Qashqai N-Connecta (group 15, around £725) despite costing £7,000 less to buy. Trim, by contrast, is nearly free — a Trophy adds at most one group over the SE.

Pay Less

Cheaper alternatives — and how to cut an MG HS quote

If the quote on a new HS looks steep, there are two routes: pick a cheaper-to-insure car, or work the policy itself.

Cheaper to insure than a 2026 MG HS:

  • MG HS (2019–2024) 1.5 T-GDI — groups 16–18: the previous-generation car is the same recipe for £80–£160 a year less
  • MG ZS — MG’s smaller crossover sits several groups below the HS, typically saving £100-plus a year
  • Dacia Duster — groups from around 10–14: the budget-SUV benchmark, often £560–£700
  • Ford Puma — groups from around 9–12: a smaller crossover that typically insures for £550–£680
  • Kia Sportage 1.6 T-GDi entry trims — groups from around 14: similar space, meaningfully lower groups

Keeping the HS and paying less:

  1. Choose the petrol over the hybrids — the group-24 manual saves around £275 a year versus a PHEV or Hybrid+ for the same driver, and the manual rates one group below the DCT auto
  2. Don’t pay extra for Trophy expecting an insurance saving — it rates the same or one group higher than SE; buy trim for the kit, not the premium
  3. Raise your voluntary excess — moving from £150 to £500 typically trims 8–15% off the premium
  4. Build and protect no-claims discount — five claim-free years can cut an HS quote by 60% or more
  5. Pay annually and quote accurate mileage — monthly instalments add £60–£120 a year in interest on a premium this size
  6. Compare at least five quotes — the spread between the cheapest and dearest mainstream insurer on an HS is routinely £200-plus; if renewal still looks high, see the other models on our by-vehicle hub for context
Common Questions

MG HS insurance FAQs

The 2024-onwards MG HS spans insurance groups 24 to 28. The 1.5 T-GDI petrol rates group 24 as a manual and group 25 with the DCT automatic in both SE and Trophy trims; the PHEV rates 26 (SE) and 27 (Trophy); and the Hybrid+ self-charging hybrid is the highest-rated at 27 (SE) and 28 (Trophy). The previous 2019-2024 HS petrol sits much lower, in groups 16 to 18.
A typical low-risk UK driver pays around £745 a year for comprehensive cover on a 1.5 T-GDI petrol MG HS in 2026, and roughly £1,020 for the PHEV or Hybrid+. Experienced over-50s can pay around £655, while 17 to 19-year-olds face about £2,150 on the petrol. That compares with a UK average of roughly £600. Postcode, no-claims discount and annual mileage can move any of these figures by hundreds of pounds either way.
Because insurance groups track repair cost and performance, not just list price. The HS is a Qashqai-sized family SUV whose entry engine already makes 169bhp — more than most rivals’ base units — and the hybrid versions add expensive drivetrain and battery parts. Thatcham’s rating also weighs parts prices and repair times, which for SAIC-built MGs run higher than the segment norm. The result is groups 24-28 for a £26,495 car, while a dearer Nissan Qashqai starts at group 12.
Yes. The PHEV rates group 26 in SE trim and 27 as a Trophy, versus 24-25 for the petrol — a difference worth roughly £275 a year for a typical driver. Its 296bhp combined output and 24.7kWh battery raise both performance and repair cost. Note that the self-charging Hybrid+ is rated higher still, at groups 27-28, so the petrol is clearly the cheapest HS to insure.
Barely. On the petrol, the Trophy rates exactly the same groups as the SE (24 manual, 25 DCT), so the trim upgrade makes essentially no difference to the premium. On the PHEV and Hybrid+, the Trophy adds a single group (27 versus 26, and 28 versus 27), typically worth £30 to £60 a year. On the HS, powertrain choice matters far more than trim level.
Expensive. A 17 to 19-year-old faces around £2,150 a year on the petrol HS and close to £3,000 on the PHEV or Hybrid+; at 20 to 24 the petrol falls to roughly £1,600. A telematics (black box) policy typically saves careful young drivers 10 to 25%. Realistically, a group 24-28 SUV is a costly first car — a used 2019-2024 HS in groups 16-18, or a smaller low-group car, makes far more sense at this age.
Pick the 1.5 T-GDI petrol manual in SE trim (group 24 — the lowest in the range), raise your voluntary excess, pay annually rather than monthly, build and protect your no-claims discount, and quote accurate mileage. Then compare at least five quotes — the spread between insurers on an HS is routinely £200 or more. If the quote is still too high, a used 2019-2024 HS petrol in groups 16-18 typically insures for £80 to £160 a year less.
The previous-generation MG HS (2019-2024, groups 16-18), the Dacia Duster (groups from around 10), the Ford Puma (from around 9) and the smaller MG ZS all sit well below the current HS’s groups 24-28, typically saving £80 to £200 a year for the same driver. Entry petrol versions of the Kia Sportage (from around group 14) also undercut it while offering similar space.

Our sources

  • Parkers / Thatcham Research — MG HS (2024 on) insurance groups — petrol groups 24–25, PHEV 26–27, Hybrid+ 27–28; previous HS (2019–2024) petrol groups 16–18
  • Confused.com Price Index Q2 2026 — £719 UK average quoted comprehensive premium
  • ABI Q1 2026 Motor Premium Tracker — £560 average price actually paid for comprehensive cover
  • MG Motor UK — HS specification, engine line-up and pricing (petrol SE from £26,495; Hybrid+ SE around £29,495; PHEV SE around £32,495; Trophy roughly £2,500 more)
  • Auto Express / Carwow MG HS 2026 reviews — 169bhp petrol, 224bhp Hybrid+ and 296bhp PHEV outputs and range data
  • Car Insurance Expert composite quote sample — 2026 multi-insurer quotes across driver age profiles, benchmarked to the UK Car Insurance Cost Index

Reviewed by the Car Insurance Expert editorial team

Figures are compiled from Parkers/Thatcham published group ratings, Confused.com and ABI data plus our own multi-insurer quote sampling, refreshed quarterly and reviewed by the Car Insurance Expert editorial team. Vehicle specification verified against MG Motor UK. Questions: editorial@carinsuranceexpert.co.uk.

Last updated: 2026-07-28

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