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Guide · By Vehicle · Nissan Qashqai Acenta Premium

Nissan Qashqai Acenta Premium insurance cost UK 2026

The Nissan Qashqai Acenta Premium costs around £725 a year to insure in 2026 on the 1.3 DiG-T 158 mild-hybrid Xtronic in insurance group 15, falling to about £640 for the group-12 DiG-T 140 and rising to roughly £1,055 on a used group-26 e-POWER. That is about £126 below the £851 Qashqai model average, which makes Acenta Premium the cheapest way into a well-equipped Qashqai. Below: cost by version, cost by driver age, why the trim rates where it does, and how to cut the quote. For every trim compared, see the full Nissan Qashqai insurance guide.

Cost by version → Full Qashqai guide
Typical Nissan Qashqai Acenta Premium insurance costs

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

Group 12–26
Acenta Premium version spread
£725/yr
Typical premium, 158 Xtronic (group 15)
£126 below
the £851 Qashqai model average
Direct Answer

How much does it cost to insure a Qashqai Acenta Premium in 2026?

A typical low-risk UK driver pays around £725 a year — roughly £60 a month — for comprehensive cover on a Nissan Qashqai Acenta Premium with the 1.3 DiG-T 158 mild-hybrid petrol and the Xtronic automatic, which Parkers and Thatcham Research rate insurance group 15. The manual version of the same car rates group 17 and costs closer to £785, while earlier 140PS Acenta Premiums sit in group 12 at about £640 — the cheapest Qashqai of any trim to insure.

Acenta Premium sits second from the bottom of the current Qashqai range, above Visia and below N-Connecta, N-Design, Tekna and Tekna+. Nissan lists the 2026 car from £30,635 on the road, and for the new-car buyer it is now a single-powertrain trim: 1.3-litre DiG-T mild hybrid, 158PS, manual or Xtronic. Used examples from 2022 to 2024 also included the 1.5 e-POWER hybrid, which rates group 24 to 26 and pushes the premium towards £1,000. That engine choice, not the trim badge, is what moves an Acenta Premium quote most. UK-wide benchmarks come from the UK Car Insurance Cost Index.

The Numbers

Qashqai Acenta Premium insurance cost by version (2026)

Every figure below is an indicative annual comprehensive premium for a clean-licence driver aged 40 to 49 in an average UK postcode, doing around 8,000 miles a year. The spread between the cheapest and dearest Acenta Premium is roughly £415 — entirely a function of engine, transmission and options, because the trim level itself is identical throughout.

Nissan Qashqai Acenta Premium insurance cost by version — UK 2026
Same trim, six different prices: the 140PS petrol costs £415 a year less than a used e-POWER 205.
DiG-T 140 (gp 12)£640 DiG-T 158 Xtronic (15)£725 DiG-T 158 manual (17)£785 DiG-T 158 options (21)£905 e-POWER 190 (gp 24)£995 e-POWER 205 (gp 26)£1,055

Source: Parkers / Thatcham Research insurance-group ratings for the Qashqai SUV (2021 on) Acenta Premium variants, Finder UK Qashqai premium data, Confused.com Price Index (May 2026) and a Car Insurance Expert composite quote sample.

Acenta Premium versionInsurance groupTypical annual premium
1.3 DiG-T MH 140 (2022–23 used)12£640
1.3 DiG-T MH 158 Xtronic auto15£725
1.3 DiG-T MH 158 manual17£785
1.3 DiG-T MH 158 with larger alloys / glass roof21£905
1.5 e-POWER 190 (used)24£995
1.5 e-POWER 205 (used)26£1,055

Sources: Parkers / Thatcham insurance-group ratings for Qashqai SUV (2021 on) Acenta Premium variants, Finder UK (£848.88 Qashqai range average, groups 11–30), Confused.com Price Index May 2026 (£719 UK average quoted comprehensive premium), ABI Motor Premium Tracker (£560 average actually paid — a paid basis, not directly comparable with quoted figures) and a Car Insurance Expert composite quote sample. Indicative premiums only; your own quote will vary with postcode, no-claims discount, mileage and occupation.

By Driver Age

Acenta Premium 158 Xtronic cost by driver age

Age moves an Acenta Premium quote far more than any option box. The table below tracks the group-15 1.3 DiG-T 158 Xtronic — the volume seller — across the standard UK age bands on the same clean-licence, average-postcode assumptions.

Driver age band1.3 DiG-T 158 Xtronic (group 15)vs UK average quoted (£719)
17–19£2,350+£1,631
20–24£1,850+£1,131
25–29£1,210+£491
30–39£870+£151
40–49£725+£6
50–64£640−£79
65+£680−£39

Comparison base: Confused.com Price Index, May 2026 — £719 average quoted comprehensive premium across all ages. The ABI's £560 is an average paid figure on a different basis and the two should not be mixed. Premiums are indicative and not quotations.

Why Group 15

Why the Acenta Premium rates where it does

Acenta Premium is deliberately positioned as the value trim with the useful kit: the 12.3-inch touchscreen and digital driver display, dual-zone climate, rear privacy glass, 18-inch alloys, adaptive cruise and the standard Nissan Safety Shield driver-assistance pack. What it leaves out is precisely what pushes the higher trims up the group table — there is no Bose audio with speakers buried in the headlining, no heated windscreen with embedded elements, no 19- or 20-inch wheels and no panoramic roof as standard.

Three structural factors set the rating. Repair cost is the largest: Thatcham's group calculation weighs the bill for a standard low-speed impact, and Acenta Premium's smaller wheels, simpler audio and lighter sensor count all reduce it. Value at risk is second — at around £30,635 on the road the trim exposes an insurer to roughly £3,000 less than a petrol Tekna and some £9,000 less than a range-topping e-POWER Tekna+. Powertrain is third, and it is the one buyers control: the 158PS mild-hybrid petrol is a conventional turbo four with a small 12V system, whereas e-POWER pairs a 1.5-litre turbo generator with a traction motor and battery pack that are expensive to replace after a collision.

Theft profile helps too. The Qashqai has never attracted the keyless-relay theft loading that afflicts several premium German SUVs, and Nissan fitted an immobiliser and alarm across the range; the current car's ADAS array is largely windscreen-mounted, so a screen replacement plus recalibration — not a bumper full of radar — is the common ADAS-related claim.

Against its siblings, a group-15 Acenta Premium Xtronic insures for exactly the same money as a group-15 Qashqai N-Connecta on the same engine — insurers price the group, not the badge — and roughly £90 a year less than a group-18 petrol Qashqai Tekna. Across the whole range the Qashqai spans groups 11 to 30, so Acenta Premium occupies the sweet spot: near the bottom of the group table with most of the equipment that matters.

Pay Less

The cheapest way to insure one — and the alternatives

If an Acenta Premium quote looks steep, there are two routes: buy a cheaper-to-insure version or car, or work the policy you already have.

Cheaper to insure than a 158 Acenta Premium:

  • Qashqai Acenta Premium 1.3 DiG-T MH 140 — group 12, around £640: the same trim on the older, smaller-output engine and the cheapest Qashqai of any specification
  • Qashqai Visia 1.3 DiG-T — group 11, around £610: cheaper still, but you give up the touchscreen, alloys and adaptive cruise
  • Ford Puma Titanium — groups from about 9 to 12, typically £550–£680: a smaller crossover with comparable equipment
  • Dacia Duster Journey — groups from about 10 to 14, typically £560–£720: the budget SUV pick, similar boot space
  • Skoda Karoq SE 1.5 TSI — groups from about 13 to 16, typically £650–£790: Qashqai-sized and near-identically priced to insure
  • Kia Sportage 2 1.6 T-GDi — groups from about 13 to 17, typically £650–£800: a longer warranty for much the same premium

Keeping the Acenta Premium and paying less:

  1. Choose the Xtronic automatic over the manual — Parkers rates the 158 Xtronic group 15 against group 17 for the manual, worth roughly £60 a year. It is counter-intuitive but consistently listed
  2. Avoid the used e-POWER Acenta Premium if the premium matters — group 24 to 26 against group 15 costs about £270 to £330 more every year
  3. Leave the panoramic glass roof and the largest alloys off the spec — both are expensive to replace and can lift the car several groups
  4. Raise your voluntary excess — moving from £150 to £500 typically trims 8–15% off a premium of this size
  5. Build and protect no-claims discount — five claim-free years can cut a Qashqai quote by 60% or more, which dwarfs every other tactic here
  6. Pay annually rather than monthly — instalments add roughly £60–£115 a year in interest on a £725 premium
  7. Declare honest mileage and compare at least five insurers about three weeks before renewal — the spread on a Qashqai routinely exceeds £200, and quotes are cheapest around 21 days out. If your renewal still looks wrong, see what is pushing UK premiums up in 2026
Common Questions

Nissan Qashqai Acenta Premium insurance FAQs

Acenta Premium versions of the current Qashqai span insurance groups 12 to 26. The 1.3 DiG-T mild-hybrid 140 rates group 12, the DiG-T 158 with the Xtronic automatic rates group 15 and the 158 manual rates group 17, with heavily optioned cars reaching group 21 or 22. Used 1.5 e-POWER Acenta Premiums sit in group 24 to 26. Most quoted Acenta Premium premiums refer to the group-15 158 Xtronic.
A typical low-risk UK driver pays around £725 a year for comprehensive cover on a group-15 1.3 DiG-T 158 Xtronic Acenta Premium in 2026, about £640 on the group-12 DiG-T 140 and roughly £995 to £1,055 on a used e-POWER. Drivers aged 50 to 64 pay closer to £640 on the 158 Xtronic, while 17 to 19-year-olds face around £2,350. Postcode, no-claims discount and mileage can move any of these by several hundred pounds.
Yes, with one exception. Only Visia, in group 11, is cheaper. On matching engines Acenta Premium rates at or below N-Connecta, and a group-15 Acenta Premium Xtronic costs roughly £90 a year less than a group-18 petrol Tekna and around £330 less than a range-topping e-POWER Tekna+. Across the whole Qashqai range the model average is about £851, so Acenta Premium typically undercuts it by £126.
The 1.3-litre DiG-T mild-hybrid petrol, comfortably. On a new 2026 car that is the only choice: Nissan now offers Acenta Premium solely with the 158PS mild hybrid, in manual or Xtronic form, from around £30,635 on the road. On the used market the 140PS version in group 12 is the cheapest Qashqai to insure at about £640 a year, while a used 1.5 e-POWER Acenta Premium in group 24 to 26 costs £270 to £330 more.
Thatcham's group ratings are calculated per exact derivative, not per gearbox type, and they weigh repair cost, performance, parts prices and security together rather than following a simple rule. On the Qashqai the Xtronic derivatives are consistently listed a group or two below the equivalent manual — group 15 against 17 on the 158 Acenta Premium. Slightly gentler measured acceleration and the derivative's own claims history both feed into it. Always quote on your exact derivative rather than assuming.
A 17 to 19-year-old faces roughly £2,350 a year on the group-15 158 Xtronic, falling to about £1,850 at 20 to 24 and £1,210 at 25 to 29. A group-12 DiG-T 140 Acenta Premium is meaningfully cheaper across every young band and is the version to look for. Telematics policies typically cut 10 to 25% for careful young drivers, and adding an experienced named driver who genuinely uses the car can help — but never list them as the main driver, which is fronting and is fraud.
Pick the mild-hybrid petrol rather than a used e-POWER, choose the 158 Xtronic over the manual for a two-group saving, skip the panoramic roof and the largest alloys, raise your voluntary excess to £500, pay annually instead of monthly, and protect your no-claims discount. Then compare at least five insurers about three weeks before renewal. A low-risk driver over 50 doing all of that can cover a 158 Xtronic Acenta Premium for around £630 to £650 a year.
The Ford Puma (groups from around 9), Dacia Duster (from around 10) and lower-powered Skoda Karoq, SEAT Ateca and Kia Sportage trims (roughly 11 to 17) all sit at or below a group-15 Acenta Premium, typically saving £40 to £170 a year for the same driver. Staying with Nissan, only the Visia in group 11 and the group-12 DiG-T 140 Acenta Premium undercut it. Full model-level comparisons are in our Nissan Qashqai insurance guide.

Our sources

Reviewed by the Car Insurance Expert editorial team

Figures are compiled from Parkers/Thatcham published group ratings, Finder UK, 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 and pricing verified against Nissan UK. Quoted and paid premium bases are reported separately and never blended. Premiums shown are indicative and are not quotations. Questions: editorial@carinsuranceexpert.co.uk.

Last updated: 2026-08-02

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