Are Peugeot 208 Cheap to Insure? The Ultimate 2025 Cost Breakdown

When it comes to small hatchbacks, few cars balance charm, economy, and value quite like the Peugeot 208. But while it’s a crowd favorite across the UK for its style and efficiency, one big question remains: is the Peugeot 208 cheap to insure?

We’ve done the deep dive—looking at insurance groups, model variants, driver age, and cost averages—to reveal exactly how affordable the 208 is to keep on the road.

Understanding Peugeot 208 Insurance Costs

Insurance premiums vary dramatically between models and drivers. The Peugeot 208’s insurance group rating ranges from Group 5 for early entry-level trims to Group 34 for high-performance or hybrid variants.

• Lower groups (5–10) = cheapest to insure.
• Mid-range groups (15–22) = moderate premiums.
• Higher groups (25–34) = sporty or hybrid models with more advanced features and higher costs.

This wide range means that your 208 could cost as little as £400 or over £1,000 per year, depending on the version and your age.

Peugeot 208 Insurance Group Chart (2012–2025 Models)

Data based on UK insurance averages for 2024–2025. Actual premiums vary by location and insurer.

So, Are Peugeot 208 Models Cheap to Insure?

1. Yes, for Basic Models

Entry-level Peugeot 208 trims, like the Access, Active, or Active Premium with the 1.0 or 1.2 PureTech engines, fall in low insurance groups (5–12).

• Perfect for new drivers and young motorists.
• Offers affordable coverage with strong reliability and low repair costs.

Average yearly premium for a 30-year-old driver: around £600–£700.

2. Moderate for Mid-Spec Variants

If you own a GT Line or Allure trim, especially with the 1.2 PureTech 100 or 130 engines, you’ll see insurance groups between 19 and 25.

• These models include more advanced tech, digital dashboards, and safety features.
• Slightly higher repair and parts costs push premiums up a bit.

Typical premium for a 40-year-old driver: £600–£750.

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3. Pricier for GT and Hybrid Versions

Top-end models like the GT Premium Hybrid 145 e-DSC6 or Allure Hybrid 136 reach Groups 28–34, similar to cars like the Mini Cooper S or Ford Fiesta ST-Line.

• Hybrids often have expensive battery components, influencing the higher insurance group.
• Expect annual premiums near £1,000 for younger drivers.

Factors Affecting Peugeot 208 Insurance Premiums

Several elements shape how much you’ll pay to insure your 208. Here are the key influencers:

1. Driver Age

• 20-year-olds: £900–£1,600
• 30-year-olds: £600–£800
• 40-year-olds: £500–£700
• 50-year-olds: £470–£650

Younger drivers naturally face higher costs due to limited driving experience and higher claim risk.

2. Engine Size

• Smaller engines (1.0–1.2 PureTech 75–100hp) → lower premiums.
• Larger or turbocharged engines (130hp and above) → higher premiums.

3. Transmission Type

Automatic and hybrid models usually cost more to insure due to higher repair and replacement costs.

4. Annual Mileage

The more miles you cover annually, the greater the perceived risk. Drivers under 8,000 miles per year often save 10–15%.

5. Location

Urban postcodes (especially London, Birmingham, and Manchester) tend to carry higher premiums than rural regions.

6. Safety Features

Modern 208s with lane assist, automatic braking, and blind-spot detection may attract discounts with insurers.

Cheapest Peugeot 208 Models to Insure

If keeping your insurance low is the priority, these are the most budget-friendly trims to consider:

Most Expensive Peugeot 208 Models to Insure

Peugeot 208 vs Competitors: Insurance Comparison

Verdict: The Peugeot 208 sits firmly in the affordable-to-insure category—cheaper than the MINI and VW Polo, though slightly above the Ford Fiesta.

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How to Get Cheaper Peugeot 208 Insurance

1. Install a Black Box (Telematics Policy)
   Perfect for young drivers; insurers reward good driving habits.
2. Add an Experienced Named Driver
   Having a parent or older relative as a named driver can reduce risk ratings.
3. Increase Voluntary Excess
   Opting for a higher excess (e.g., £250–£500) can lower monthly premiums.
4. Park Securely Overnight
   Garaging or off-street parking significantly reduces theft risk.
5. Compare Policies Annually
   Don’t auto-renew—shop around for the best deals every renewal period.

Are Peugeot 208s Good for New Drivers?

Absolutely. The 208’s low entry-level insurance group, combined with light steering, easy handling, and strong safety scores, make it a perfect first car.

The 1.2 PureTech 75 or 100 variants strike an ideal balance of affordability, reliability, and manageable performance—keeping both running and insurance costs low.

Electric and Hybrid 208 Insurance Insights

The rise of Peugeot e-208 and Hybrid e-DSC6 models adds efficiency but also complexity.

• Electric e-208: Insurance groups typically 25–29 due to battery value and specialist repair costs.
• Hybrid 208s: Range between 22–34, depending on output and drivetrain.

While pricier to insure, these versions compensate with lower road tax and running costs.

Summary: Are Peugeot 208 Cheap to Insure?

Yes — most Peugeot 208 models are cheap to insure, especially base-level petrol versions.

However, higher trims and hybrid variants climb into pricier insurance brackets due to performance and technology.
Overall, the 208 remains one of the most insurance-friendly hatchbacks in the UK, making it an ideal choice for new drivers, commuters, and budget-conscious owners alike.

FAQs

1. What is the cheapest Peugeot 208 to insure?

The Peugeot 208 Access 1.0 VTi (Group 5) and Active 1.2 PureTech 75 (Group 12) are among the cheapest, with premiums starting around £440–£650 annually.

2. Is the Peugeot e-208 expensive to insure?

Yes, the fully electric e-208 costs more to insure, sitting in Group 25–29, mainly due to its battery value and repair complexity.

3. Are Peugeot 208s good for young drivers?

Definitely. Entry-level 208s are affordable to insure, easy to drive, and reliable, making them one of the best first cars for UK learners or new motorists.

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4. Do hybrids or automatics cost more to insure?

Typically yes. The extra technology and parts cost mean hybrids and automatics have higher repair expenses, reflected in insurance premiums.

5. How can I lower my Peugeot 208 insurance premium?

Use telematics, increase your voluntary excess, park securely, and compare quotes annually for the best rates.

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