Skoda Kamiq insurance cost UK 2026

Direct answer

What does it cost to insure a Skoda Kamiq — and why?

The Skoda Kamiq is one of the UK's best-selling small SUVs, and it is pleasingly cheap to cover for the class. Based on aggregated comprehensive quotes, a typical Kamiq costs roughly £713 a year (about £64 a month if you pay monthly), according to Finder. That compares with a UK-wide average of around £600 — the ABI's paid-premium tracker recorded £560 in mid-2026, while the Confused.com quoted-price index sat at £719. See our UK car insurance cost index for the full picture.

Four things set the Kamiq's premium:

• Insurance group. The Kamiq spans groups 9–21 on the 1–50 insurance group scale set by Thatcham Research — low-to-mid for a crossover. Entry 1.0 TSI 95PS cars start at group 9; the 150PS 1.5 TSI Monte Carlo tops out at group 21.
• Modest, petrol-only engines. Every new Kamiq uses a 1.0 TSI (95PS or 115PS) or 1.5 TSI (150PS) petrol engine. There is no heavy battery pack or EV-specific repair bill for insurers to price in, and even the quickest version is warm rather than hot.
• Cheap, predictable repairs. The Kamiq shares its platform and parts with the Skoda Fabia and Scala and the wider VW Group small-car family, so panels, lights and sensors are plentiful and repair estimates are predictable.
• Safety and security. A five-star Euro NCAP rating, standard autonomous emergency braking and lane assist, plus Thatcham-tested locking and immobilisers, all reduce the frequency and severity of claims.

Remember the group rating is only one input. Your own quote depends heavily on age, postcode, mileage, occupation and no-claims history — real Kamiq quotes run from under £500 for a settled 50-year-old on an entry trim to nearly £1,500 for a 20-year-old in a Monte Carlo Edition.

Trim by trim

Why the Kamiq's trims sit where they do

The 12-group spread across the range comes almost entirely from engine power and equipment level:

• Groups 9–12 — the 95PS cars. The entry 1.0 TSI 95PS three-cylinder is leisurely, cheap to repair and fitted to the more modest S, SE and SE L specifications, so it earns the lowest ratings in the range. The SE L 1.0 TSI 95PS in group 9 is the cheapest Kamiq of all to insure.
• Groups 11–15 — the 115PS cars. Stepping up to the 115PS version of the same 1.0-litre engine adds usefully more performance, and each step in power or spec (or adding the DSG automatic gearbox) typically adds a group or two.
• Groups 16–21 — Monte Carlo and 1.5 TSI. Monte Carlo trims carry the sportiest styling, bigger alloy wheels and the most equipment, while the 150PS 1.5 TSI — offered in SE L Executive and Monte Carlo grades — is the quickest Kamiq, at around eight seconds to 62mph. Higher list prices, dearer repairs and stronger performance push these versions to the top of the range.

Note the quirk in the table above: the group-19 SE L Executive 1.5 quotes cheaper for a 30-year-old (£594) than the group-11 SE 1.0 TSI 115 (£681). The group rating is only one of many pricing inputs — the profile of who actually buys and drives each trim feeds insurers' claims data too. Always quote the exact variant rather than assuming the lower group wins.

Save money

Cheaper alternatives — and how to cut the cost of insuring a Kamiq

If the Kamiq's premium is still too high, the biggest savings come from the car itself. The closely related Skoda Fabia shares the Kamiq's platform and engines but starts in noticeably lower groups, and superminis such as the VW Polo, Hyundai i10 and Kia Picanto occupy the lowest insurance groups of all. Rival small SUVs such as the SEAT Arona and VW T-Cross are priced much like the Kamiq rather than cheaper — the Kamiq is already one of the more affordable crossovers to cover.

Keeping the Kamiq? These levers routinely knock hundreds of pounds off:

• Pick a lower-group trim. A 95PS SE or SE L (groups 9–12) insures for meaningfully less than a Monte Carlo (16–21) for younger drivers especially — at age 20 the gap is over £500 a year.
• Compare and switch. Loyalty rarely pays — run a comparison site at every renewal, then separately check direct-only insurers such as Direct Line and NFU Mutual that don't appear on aggregators.
• Pay annually. Monthly instalments carry interest (often 20–30% APR); the Kamiq's ~£64 monthly cost adds up to more than the ~£713 annual price.
• Build and protect no-claims. Five-plus years of no-claims bonus is one of the biggest discounts available.
• Add a low-risk named driver. An experienced second driver can lower the average risk on the policy — but never "front" a policy for a young main driver.
• Refine mileage and parking. Accurate (lower) annual mileage and a driveway or garage both trim the premium.
• Consider telematics if young. Around 78% of 17–20s pay less with a black box, saving roughly £379 a year (NimbleFins).
• Raise your voluntary excess — carefully. It lowers the premium, but only pledge what you could afford at claim time.
• Quote about three weeks before renewal. Buying on the day typically costs more, as insurers price in short-notice risk.