Peugeot 108 insurance cost UK 2026

How much does Peugeot 108 insurance cost?

Insuring a Peugeot 108 in 2026 costs an average of about £644 a year for a comprehensive policy, based on Finder UK quote research published in April 2026 (drivers aged 20–50, three years’ no-claims discount, £500 voluntary excess, 10,000 miles a year). That is a quoted-price figure, so the like-for-like benchmark is Confused.com’s £719 average quote for Q2 2026 — not the ABI’s £560 average premium actually paid, which includes cheaper renewing customers and is measured on a different basis.

The spread across the range is wide for such a small car. A 50-year-old on a group 6 1.0 Access can pay about £451 a year, while a 20-year-old on a group 11 Allure 1.2 PureTech faces around £1,136. Every version, at every age band Finder tested, still quoted below the £719 UK average — a claim very few model ranges can make.

Three reasons the 108 is so cheap to insure

1. A tiny engine and modest performance

Every 108 uses a 1.0-litre three-cylinder petrol engine of 68–72hp (the early 1.2 PureTech made 82hp). With 0–62mph taking around 13–14 seconds, the claims profile insurers price against — speed-related accidents, expensive third-party injury claims — is about as benign as it gets. That is what anchors the range’s entry point at group 6 of 50.

2. Cheap, plentiful parts shared with the Toyota Aygo and Citroën C1

The 108 was built alongside the Toyota Aygo and Citroën C1 at the TPCA joint-venture plant in Kolín, Czech Republic, sharing its platform and most mechanical parts across three high-volume model lines. Repair costs — roughly half of the group-rating calculation Thatcham performs — are correspondingly low: panels are small and simple, parts supply is deep, and there is little of the ADAS sensor hardware (radar cruise, complex windscreen camera clusters) that inflates repair bills on newer city cars.

3. Low market value caps the insurer’s worst case

Production ended in late 2021, and used values now run from roughly £3,500 to £9,000. A low maximum payout for theft or a total loss, combined with an unremarkable theft profile — the 108 does not appear among the UK’s most-stolen models — keeps the fire-and-theft element of the premium small. The trade-off: the 108’s popularity with young and newly qualified drivers means the driver sat behind the wheel often adds back what the car itself saves.

Peugeot 108 insurance cost by version and driver age

Annual comprehensive quotes from Finder UK’s April 2026 research: drivers aged 20, 30, 40 and 50, three years’ no-claims discount, £500 voluntary excess, 10,000 miles a year. Insurance groups from Parkers / Thatcham group-rating data.

The cheapest way to insure a Peugeot 108 — and the alternatives

The single biggest lever is version choice. The gap between a group 6 Access and a group 11–13 PureTech version is worth £100–£190 a year for a 30-year-old — on a car often worth under £6,000, that is a material slice of running costs. Beyond that:

• Buy the 1.0, not the 1.2 PureTech. The 1.0 versions sit in groups 6–9; the 1.2 PureTech tops rate 11–13 with no meaningful insurance upside.
• Young drivers: use a telematics policy. A black box on a group 6 Access is one of the cheapest routes onto the road at 17–20, and the 108’s low group means uninsured-performance temptation is minimal.
• Pay annually if you can. Finder’s own figures show monthly payment at £58.65 (£704/year) versus £644 paid up front — a ~9% premium for instalments.
• Set mileage honestly but accurately. Most 108s are short-hop city cars; declaring a realistic 6,000–8,000 miles rather than a default 10,000 usually trims the quote.
• Add a named experienced driver (a parent, for instance) if you are young — but never “front” by insuring the car in the parent’s name.
• Shop 3–4 weeks before renewal, when insurers price new business most keenly.

If you are choosing between city cars, the 108’s TPCA siblings — the Toyota Aygo and Citroën C1 — occupy near-identical low groups for equivalent versions, while the Volkswagen up!, Kia Picanto and Hyundai i10 also start in the very lowest bands. See our insurance groups explained hub for what each group number means, and insurance costs by vehicle to compare other models on the same basis.

Peugeot 108 insurance FAQs

Where this data comes from

• Parkers insurance group listings — Peugeot 108 hatchback (2014–2021) group ratings by trim and engine, groups 6–13
• Finder UK — Peugeot 108 insurance group & average cost research, updated April 2026; quotes for drivers aged 20–50 with 3 years’ NCD
• Confused.com Car Insurance Price Index — Q2 2026: UK average quoted comprehensive premium £719
• ABI Motor Insurance Premium Tracker — Q1 2026: UK average premium actually paid £560
• Thatcham Research / Group Rating Panel — the 1–50 group-rating methodology (repair cost, parts price, performance, security)

Reviewed by the Car Insurance Expert editorial team

Premium figures are drawn from published Finder UK quote research and cross-checked against the Confused.com Price Index (quoted basis) and the ABI premium tracker (paid basis) — the two bases are never mixed without saying so. Insurance groups are verified against Parkers/Thatcham group-rating data at each refresh.

Last updated: 2026-08-03