By Vehicle - Superminis

Renault Clio Insurance Cost UK 2026

The Renault Clio costs around £600–£910 a year to insure comprehensively in 2026 and sits in insurance groups 3–27, keeping most trims comfortably around or below the UK average premium. Lower groups make it a genuinely cheap supermini to run.

See premiums by age All vehicles

Groups 3–27

Insurance group range on the 1–50 scale

£600–910

Typical annual comprehensive premium

£520/yr

Cheapest band (35–64), around or below UK average

Direct answer

What does it cost to insure a Renault Clio?

A typical UK driver pays roughly £600 to £910 per year for comprehensive cover on a Renault Clio in 2026. Finder's April 2026 sample put the average comprehensive premium at £910.37 a year (about £80.82 a month) across drivers aged 20, 30, 40 and 50, while everyday quotes for mainstream trims commonly land in the £400–£700 band. For context, the typical UK comprehensive premium in 2026 is about £600 – a blend of the ABI's £566 (premiums actually paid, Q2 2026) and Confused.com's £719 quoted-price index (Q2 2026).

The Clio is affordable to insure for four connected reasons:

Insurance group. The Clio spans groups 3 to 27 of the 1–50 scale. The TCe 90 petrol trims sit low in the range; the full-hybrid E-Tech 145 and sportier specifications climb higher. A lower group means cheaper cover.
Vehicle value. As a supermini starting from around £17,995 OTR, the Clio has modest replacement and write-off cost, which keeps comprehensive premiums down.
Repair cost. Renault parts are widely stocked and bodyshop labour on a mainstream hatchback is inexpensive, so insurers price in low claim severity.
Security. Standard immobiliser, deadlocks and (on newer cars) parking sensors and a rear-view camera reduce theft and low-speed damage risk.

Your own price will still swing on age, postcode, mileage, no-claims history and the exact trim – Finder recorded best-buy Clio quotes ranging from £298 to over £13,000 depending on the driver profile.

The numbers

Renault Clio insurance premiums by driver age

These are indicative annual comprehensive figures for a mainstream Clio (low-group petrol trim), blended from published Renault Clio and UK age-band data. Treat them as a guide, not a quote – your postcode and no-claims record move the number more than anything else.

Renault Clio: typical annual premium by driver age – UK 2026

Cover more than halves from the young-driver band to the 35–64 sweet spot.

Source: indicative figures blended from Finder (Renault Clio comprehensive average £910.37, April 2026), uSwitch/our research young-driver data, the ABI Motor Premium Tracker (£566, Q2 2026) and the Confused.com Price Index (£719, Q2 2026).

Driver age band	Indicative annual premium	Notes
17–24 (new/young)	£1,362	Clio young-driver average; from ~£817 for a 17-year-old on telematics
25–34	£720	Falls sharply once a few years' no-claims build up
35–64	£520	Cheapest band; low group plus full NCD
65+	£610	Edges up again but stays near the UK average

Indicative figures blended from Finder (Renault Clio comprehensive average £910.37, April 2026), uSwitch/our research young-driver data (17–24 average £1,098; Clio ~£1,362), the ABI Motor Premium Tracker (£566, Q2 2026) and the Confused.com Price Index (£719, Q2 2026). For methodology see our UK car insurance cost index.

Save money

Cheapest way to insure a Renault Clio

Pick a low-group trim. A TCe 90 petrol in a lower group (nearer group 3–10) is materially cheaper than a full-hybrid E-Tech or a higher-spec car near group 27.
Pay annually, not monthly. Monthly instalments carry an APR – paying the year up front typically saves 10–15%.
Build and protect no-claims. Each claim-free year cuts the premium; the 35–64 band is cheapest largely because of full NCD.
Use a black box (telematics) if you're under 25 – it's the single biggest lever for young Clio drivers.
Add an experienced named driver (honestly – never "fronting") to lower the average risk on the policy.
Park off-road and keep mileage realistic. A driveway or garage and an accurate annual mileage both reduce cost.
Compare across multiple sites and renew early. Quoting ~3 weeks before renewal beats auto-renewal, which is rarely the cheapest price.

FAQs

Renault Clio insurance: your questions answered

What insurance group is the Renault Clio in?

The Renault Clio spans insurance groups 3 to 27 on the 1–50 scale. Entry TCe 90 petrol trims sit low in that range, while the full-hybrid E-Tech 145 and higher-spec cars occupy the upper groups. You can read how the bands work on our insurance groups page.

Why does the Clio cost what it does to insure?

Four factors set the price: its low-to-mid insurance group, modest vehicle value (from around £17,995 OTR), cheap and widely available repair parts, and solid standard security. Together these give insurers low expected claim cost, which is why most Clios sit around or below the £600 UK average.

Which is the cheapest Clio trim to insure?

The lowest-group petrol trims – typically an entry-level TCe 90 such as the "generation" spec – are cheapest because they carry the smallest engine and the lowest insurance group. Sportier and full-hybrid versions climb toward group 27 and cost more.

Which insurer is cheapest for a Renault Clio?

There's no single cheapest insurer – the best price depends on your age, postcode and no-claims history. The reliable approach is to compare several sites (and check direct-only insurers like Direct Line separately), quote around three weeks before renewal, and pay annually.

Is a Renault Clio cheap to insure for new and young drivers?

Relatively, yes – it's a common first car. Young-driver (17–24) Clio premiums average around £1,362, with quotes from about £817 for a 17-year-old on telematics. That's a touch above the £1,098 average for the age group, so a low-group trim plus a black box makes the biggest difference.

Is the E-Tech hybrid Clio more expensive to insure?

Usually a little. The full-hybrid E-Tech 145 has more power and more complex, costlier-to-repair components than the TCe 90 petrol, so it sits in a higher insurance group. It's still a mainstream supermini, so the premium gap is modest – not the leap you'd see with a performance car. The Clio is a self-charging hybrid, not a plug-in EV, so there's no charging-equipment cover to consider.

Do modifications increase Renault Clio insurance?

Yes. Performance, cosmetic and wheel modifications typically raise the premium and must always be declared – an undeclared modification can void a claim. Keeping a Clio standard is one of the simplest ways to hold the cost down.

Does a black box lower Clio insurance costs?

For under-25s it's the fastest single saving. A telematics (black box) policy prices you on actual driving – speed, braking, mileage and time of day – rather than age alone, which is why it's the standout lever for young Clio drivers and can bring a 17-year-old's premium down toward £817.

Our sources

Sources & editorial

Finder UK – Renault Clio insurance group & cost (comprehensive average £910.37, April 2026)
Confused.com Price Index (£719 quoted, Q2 2026)
Association of British Insurers (ABI) Motor Insurance Premium Tracker (£566 paid, Q2 2026)
uSwitch and our research – young-driver premium data
Thatcham Research / Renault UK press office – group ratings, trims and OTR pricing

Reviewed by the Car Insurance Expert editorial team.

Last updated: 17 August 2026

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