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Nissan Note insurance cost UK 2026

The Nissan Note costs around £615 a year to insure in 2026 on our composite estimate — comfortably below the £719 UK all-ages average. That is exactly what you would expect from a small, sensible mini-MPV: modest engines, cheap parts and a reputation as a careful owner's car all keep the groups down. Parkers rates the Note from insurance group 6 to 16, with the popular 2013–2017 1.2 petrol cars near the bottom and the older diesels and automatics higher up. A driver in their forties with clean history can come in near £525; a newly qualified driver on the same Note is nearer £1,560. Full premiums by driver age, why the Note is so cheap to cover, and five ways to trim the quote are below.

Premiums by age → Other vehicles

Groups 6–16

Parkers, Note mini-MPV

~£615/yr

composite average, all ages

−14% vs avg

low groups, cheap parts

Direct Answer

How much does it cost to insure a Nissan Note in 2026?

Budget around £615 a year for comprehensive cover on a Nissan Note in 2026 — that is our composite estimate for a typical driver, and it sits about 14% below the £719 UK all-ages average. The Note is one of those cars that quietly does everything right on an insurer's spreadsheet. It is light, it is slow enough not to tempt anyone, the panels and mechanical bits are shared with cheaper Nissans so repairs are inexpensive, and it tends to be owned by settled drivers rather than teenagers. Put all that together and you get a premium that undercuts the market average even before you start shopping around.

The group spread is narrow, which helps. Parkers rates the Note from group 6 to 16 on the 1–50 scale, with the common 2013–2017 1.2 petrol cars sitting near the bottom and the older 2006–2013 cars, the 1.5 dCi diesels and the automatics higher up. On top of the group rating, the usual levers apply: a driver in their forties with a clean licence and a full no-claims discount can come in near £525, while the same Note insured for a newly qualified driver in a city postcode can reach £1,560. Here is how the composite breaks down across the age bands:

Nissan Note insurance cost by driver age — UK 2026

Drivers in their forties pay the least at around £525; a 17–20-year-old on the same Note pays roughly three times as much.

Source: Car Insurance Expert composite estimate for 2026, built from Parkers insurance groups (6–16) and the Confused.com Price Index £719 all-ages average; comprehensive cover only.

Driver age band	Composite Note premium	UK all-ages average	Note vs all-ages
17–20	£1,560	£719	+117%
21–24	£1,020	£719	+42%
25–29	£740	£719	+3%
30–39	£595	£719	−17%
40–49	£525	£719	−27%
50–59	£545	£719	−24%
60–69	£575	£719	−20%
70+	£705	£719	−2%

Sources: Confused.com Price Index (£719 all-ages average, Q2 2026); ABI Motor Insurance Premium Tracker Q2 2026 (£566 average premium actually paid); Parkers insurance groups for the Nissan Note (6–16 across the 2006–2017 generations). The Note column is a Car Insurance Expert composite estimate: the model's group position scaled across the published UK age curve, comprehensive cover only.

Groups & Engines

Why the Note sits in insurance groups 6 to 16

The Note is genuinely cheap to insure, and which one you buy nudges the premium up or down within a fairly tight band. The version most people own today is the second-generation car built between 2013 and 2017. Its 1.2-litre petrol engine in Visia and Acenta trim sits right at the bottom, around group 6 to 7, and even the supercharged 1.2 DiG-S and the 1.5 dCi diesel only climb to about group 10. The earlier 2006–2013 Note is a little higher across the board, from group 10 up to around 16 for the 1.6 automatics and the top diesel, mostly because those cars are older and a touch pricier to repair per claim.

Underneath the group rating, everything about the Note works in your favour. It is light and low-powered, so crashes tend to be less severe and less costly. Parts are shared with cheaper Nissans and are widely available, which keeps repair bills down. And it has never been a car that thieves target or that young drivers flock to, so the claims history behind the model is calm. If you are weighing up other small Nissans, the Nissan Micra is priced very similarly, while the taller Juke and the electric Leaf sit a step or two higher.

How to Lower It

Five ways to cut the cost of insuring a Nissan Note

The Note is already a cheap car to cover, but there is still money to be saved on the quote. These five levers do the most:

Stick with the 1.2 petrol. If you are still choosing, the plain 1.2-litre petrol in Visia or Acenta trim is the cheapest Note to insure — group 6 or 7 against group 10 or more for the diesel and automatic cars. Unless you cover big miles, the petrol makes the most sense on premium alone.
Compare widely and don't auto-renew. On a low-group car the gap between the cheapest and dearest quote can be a big slice of a small premium. Run the main comparison sites, then check the direct-only insurers that never appear on them, and treat your renewal quote as a starting point rather than the price.
Raise the voluntary excess, within reason. Nudging your voluntary excess up from £150 to £350 usually trims the premium. Just make sure the total excess is money you could actually find after a knock, because on a cheap car a big excess can wipe out the value of a small claim.
Park it off-road and keep the mileage honest. A Note kept on a drive overnight is lower risk than one left on the street, and a realistic, lower annual mileage brings the price down further. Don't guess high — most Notes do modest miles, and saying so is both accurate and cheaper.
Pay annually and build your no-claims discount. Monthly instalments carry an APR that can add 10–15% over the year. If you can pay up front, do — and once you have a few years of no-claims discount behind you, it is the single biggest thing keeping a Note premium low.

If your renewal still looks higher than it should for a car this cheap to run, it is worth understanding what is pushing UK premiums up in 2026 — from 12% Insurance Premium Tax to record repair and theft costs — before you accept the quote.

Common Questions

Nissan Note insurance: FAQs

What insurance group is the Nissan Note?

Parkers rates the Nissan Note from insurance group 6 to 16 on the 1 to 50 scale. The common 2013 to 2017 second-generation cars sit lowest: the 1.2 petrol in Visia and Acenta trim is around group 6 to 7, and even the DiG-S and 1.5 dCi diesel only reach about group 10. The earlier 2006 to 2013 Note runs a little higher, from group 10 up to around 16 for the top diesels and automatics. Which one you are looking at makes a real difference, so check the group for the exact engine and year before you buy.

How much is insurance for a Nissan Note per year?

On our 2026 composite estimate a typical driver pays around £615 a year for comprehensive cover on a Nissan Note, roughly 14% below the £719 UK all-ages average. The range across ages is wide: a settled driver in their forties with clean history and a full no-claims discount can get close to £525, while a driver in their late teens or early twenties on the same car can pay £1,560 or more. Because the Note sits in low groups, shopping around tends to move the price more than the car itself does.

Is the Nissan Note cheap to insure?

Yes, it is one of the cheaper family cars to cover. It sits in low insurance groups, its parts are inexpensive and widely available, and it has a calm claims history because it has never been a performance car or a common theft target. For most drivers the Note comes in below the UK all-ages average premium, and for an older driver with a clean licence and full no-claims discount it can be considerably cheaper still. If low running costs are the priority, it is a sensible pick.

Is the petrol or diesel Note cheaper to insure?

The petrol is usually the cheaper one to insure. On the 2013 to 2017 car the plain 1.2 petrol sits around group 6 to 7, while the 1.5 dCi diesel climbs to about group 9 or 10. The diesel can still make sense if you do a lot of motorway miles, because the fuel saving may outweigh the small insurance difference, but on premium alone the 1.2 petrol wins. Automatics and the older 2006 to 2013 cars tend to sit higher again.

Is the Nissan Note cheaper to insure than a Micra?

They are very close, and for most drivers the difference is small. Both are light, low-powered small Nissans that sit in low insurance groups, so a like-for-like quote on a Note and a Micra of similar age usually lands within a few pounds either way. The bigger swing comes from the exact engine, trim and year rather than the badge, so it is worth getting quotes on the specific cars you are choosing between rather than assuming one is always cheaper. Our Nissan Micra page has the full by-age breakdown.

Why is my Nissan Note quote higher than the group suggests?

The insurance group is only the starting point. Your age, postcode, annual mileage, no-claims discount, job and how you use the car all move the final price, sometimes by more than the group does. A low-group car like the Note still costs a lot to insure for a 17-year-old in a city, because the driver risk outweighs the vehicle risk. If your quote looks steep, check the mileage and use you have declared, make sure your no-claims discount is recorded correctly, and compare a few insurers before you commit.

Does the Nissan Note make a good first car for insurance?

It is a solid choice for a new or young driver who wants low costs. The low insurance groups, cheap parts and gentle performance all help keep the premium down, and the practical five-door body makes it genuinely usable. A young driver will still pay far more than an older one for the same car, so it is worth pairing the Note with a telematics or black-box policy, a modest mileage and, where sensible, an experienced named driver on the policy to bring the first-year price down.

How can I lower the cost of insuring a Nissan Note?

Start with the cheapest version that suits you — the 1.2 petrol in a lower trim — then compare widely rather than auto-renewing, because on a low-group car the spread of quotes matters more than the car. Beyond that, the usual levers apply: a voluntary excess you can genuinely afford, the car parked off-road overnight, an honest and modest annual mileage, paying annually rather than monthly, and protecting your no-claims discount once you have built it. For a young driver, a telematics policy is often the biggest single saving.

Our sources

Parkers — Nissan Note (2013–2017) insurance groups — the group 6–10 range for the second-generation car, with the 1.2 petrol lowest and the diesel and DiG-S higher, used throughout this page
Parkers — Nissan Note (2006–2013) insurance groups — the group 10–16 range for the first-generation car
Confused.com Price Index (Q2 2026) — the £719 UK all-ages average premium used as the benchmark for every comparison here
ABI Motor Insurance Premium Tracker (Q2 2026) — the £566 average premium actually paid across the market
Car Insurance Expert composite estimate (2026) — our by-age premium model for the Note, built from the group data and published all-ages averages above

Reviewed by the Car Insurance Expert editorial team

Our vehicle analyst compiled the group data from Parkers and benchmarked the premiums against Confused.com and ABI published averages; the by-age figures are a Car Insurance Expert composite estimate, not quotes from any named insurer. Spotted something that looks off? Tell us through the contact form and we'll check it.

Last updated: 17 September 2026

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