We’ve all been there—standing between the excitement of buying a car and the cold reality of insuring it. The Peugeot 308 is one of those cars that feels like a clever compromise between style, practicality, and affordability. But how does it behave when insurers get involved? Today we’re diving deep into the Peugeot 308 insurance group, unpacking what the numbers mean, how they affect your wallet, and what you can do to keep premiums as calm as a Sunday drive.

Understanding Insurance Groups in Plain English

Before we zoom into the 308 specifically, let’s talk about the system itself. In the UK, cars are placed into insurance groups from 1 to 50. Think of these groups like difficulty levels in a video game—the higher the number, the tougher (and pricier) the challenge.

Insurers look at:

• Repair costs
• Performance and engine power
• Security features
• Safety ratings
• Parts availability

The Peugeot 308 sits somewhere in the middle of the playground—not the shy kid in group 5, but not the rebellious group-40 hot hatch either.

Where Does the Peugeot 308 Sit?

Peugeot 308 Insurance Group Range

Depending on the engine and trim, the 308 typically falls between insurance groups 12 and 28. That’s a fairly friendly neighborhood.

• Entry petrol models: groups 12–15
• Efficient diesels: groups 14–18
• Sportier versions (GT, GT Line): groups 22–28

It’s like choosing between sneakers, boots, and racing shoes—the same body, different attitude.

Why the 308 Is Generally Affordable to Insure

We’ve noticed a few reasons insurers don’t treat the 308 like a troublemaker:

1. Strong safety tech – airbags, stability control, modern driver aids
2. Reasonable repair costs – parts are widely available
3. Moderate performance – most engines aren’t boy-racer wild
4. Solid security systems – immobilisers and alarms on most trims

Engine Choice – The Biggest Game Changer

Petrol Models

The 1.2 PureTech engines are the sweethearts of insurance companies. They sip fuel politely and don’t tempt drivers into mischief.

Diesel Models

BlueHDi versions are practical workhorses. Insurers like their calm torque and long-distance manners.

Performance Variants

The GT and GTi versions? That’s where premiums wake up like a double espresso.

How Trim Levels Influence the Peugeot 308 Insurance Group

Trims are like outfits—same person, different vibe.

• Active/PureTech – budget friendly
• Allure – balanced middle ground
• GT Line – sporty looks, slightly higher group
• GT/GTi – exciting, but insurers raise an eyebrow

Safety Features That Help Your Premium

We love that modern 308s come loaded with tech:

• Autonomous emergency braking
• Lane keeping assist
• Traffic sign recognition
• Multiple airbags
• High Euro NCAP scores

These are like peace offerings to insurers.

Peugeot 308 GTI Reliability: The Honest Long-Term Verdict

Repair Costs and Parts – The Hidden Hero

Peugeot parts are common across Europe. Garages know the 308 like an old friend, which keeps repair bills sensible—and premiums too.

Comparing the 308 With Rivals

How does it stack up?

• VW Golf: similar groups, often slightly higher
• Ford Focus: close match
• Vauxhall Astra: almost twin territory

The 308 usually lands in the sensible middle.

New vs Used – Does Age Matter?

Absolutely. A 2015 308 and a 2024 model are like different generations at a family reunion.

• Older models: cheaper to insure
• Newer models: more tech but pricier parts
• Approved used: sweet spot for many drivers

Young Drivers and the Peugeot 308

Is it a good first car? We think so—especially the lower-powered petrol versions.

Tips for younger drivers:

• Choose smaller engines
• Avoid sporty trims
• Consider telematics policies
• Add an experienced named driver

Real-World Premium Factors

Insurance isn’t just about the car. It’s about you:

• Postcode
• Annual mileage
• Parking situation
• Driving history
• Occupation

Two identical 308s can have totally different premiums—like twins with different personalities.

How to Lower Peugeot 308 Insurance Costs

We’ve gathered our favorite money-saving tricks:

• Increase voluntary excess
• Pay annually if possible
• Use comparison sites
• Add security like dash cams
• Limit modifications

Think of it as teaching your wallet to breathe calmly.

Modifications – Tread Carefully

Even innocent tweaks can nudge the insurance group:

• Bigger alloys
• Lowered suspension
• Engine remaps

Always tell your insurer—secrets cost more than honesty.

The Electric and Hybrid Twist

The newer plug-in hybrid 308 versions play a different game.

Peugeot 308 GTI Reliability: The Honest Long-Term Verdict

Peugeot 308 SW Reliability: The Honest Long-Term Ownership Guide

Pros:

• Lower emissions
• High safety tech
• Smooth performance

Cons:

• Expensive components
• Higher repair costs

Company Car Considerations

For business users, the 308 is a star pupil:

• Good BIK rates
• Efficient engines
• Professional image

Insurance groups stay reasonable for fleet policies.

Which Peugeot 308 Is Cheapest to Insure?

From our experience:

• 1.2 PureTech 110 Active
• 1.6 BlueHDi 100
• Basic manual trims

These are the golden geese of low premiums.

Is the 308 Worth It Overall?

We believe the 308 balances heart and head beautifully. It’s stylish without shouting, practical without being boring, and insurance-friendly without feeling slow.

Looking Ahead – Future Insurance Trends

As cars get smarter, insurance looks more at tech than horsepower. The 308, with its modern safety suite, is well placed for the future.

Final Thoughts – Our Take

Choosing a car is like choosing a travel companion. The Peugeot 308 doesn’t demand first-class tickets; it’s happy in economy with extra legroom. Insurance groups reflect that personality—sensible, grown-up, but still fun.

FAQs

1. What insurance group is a Peugeot 308 1.2 petrol?
Most 1.2 PureTech models sit around groups 12–15, making them among the cheapest 308s to insure.

2. Are diesel 308s more expensive to insure than petrol?
Slightly, yes. Diesels often fall a couple of groups higher due to repair costs and higher mile usage.

3. Is the Peugeot 308 good for new drivers?
Absolutely—especially lower trims with small petrol engines and manual gearboxes.

4. Do GT Line models cost much more to insure?
Expect a noticeable jump—sporty styling and bigger wheels usually mean higher groups.

Peugeot 308 GTI Reliability: The Honest Long-Term Verdict

Peugeot 308 SW Reliability: The Honest Long-Term Ownership Guide

Peugeot 308 Number Plate Bulb Replacement: The Complete DIY Guide

5. How can I check my exact insurance group?
Use the ABI insurance group checker with the exact registration or model code.

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