Peugeot 107 Insurance Rating: Cheaper Than You Expect?
Peugeot 107 insurance rating
The Peugeot 107 insurance rating is typically very low, with most versions sitting in insurance groups 3 to 5, which is why it often appeals to new drivers and budget-conscious buyers. That low rating usually translates into cheaper premiums than many small hatchbacks, although the final price still depends heavily on your age, location, driving history, and annual mileage.
Why it rates low
The Peugeot 107's insurance advantage comes from its small 1.0-litre engine, modest power output, compact size, and relatively low repair costs. Industry listings show many 107 trims grouped at level 3, while some later or better-equipped versions can rise to group 5, and the broader guidance is that lower insurance groups generally mean lower premiums.
This is one reason the car is repeatedly mentioned in young-driver insurance guides, where the 107 is used as a benchmark for inexpensive coverage. One published comparison placed a fully comprehensive policy for young drivers aged 17 to 25 at about £900, which is competitive for a first car, though that figure is only a rough market snapshot rather than a guaranteed quote.
Insurance group snapshot
The table below shows the commonly cited rating range for the Peugeot 107, based on public insurance-group listings. The exact group can vary slightly by trim, transmission, and model year, but the core message is consistent: the 107 is one of the cheaper small cars to insure.
| Model or trim | Typical insurance group | What it suggests |
|---|---|---|
| Peugeot 107 Access | 3 | Usually among the cheapest versions to insure. |
| Peugeot 107 Active | 3 | Low-risk rating for most new drivers. |
| Peugeot 107 Allure | 3 | Still positioned in the cheapest band. |
| Peugeot 107 Envy | 3 to 5 | Some versions cost slightly more to insure. |
What insurers look at
Insurance group is only one part of the pricing formula, and it is not the same as your actual premium. Insurers also weigh your postcode, age, occupation, claim history, security arrangements, annual mileage, and whether you add named drivers, so two people with the same Peugeot 107 can receive very different quotes.
That matters especially for drivers in cities such as Amsterdam or other dense urban areas, where parking risk, theft risk, and local claim patterns can influence pricing more than the car's group alone. A low-rated car helps, but the profile of the driver still drives the final number.
What new drivers can expect
For new drivers, the Peugeot 107 often lands in the sweet spot between affordability and simplicity. It is small enough to keep repair bills down, and public comparisons routinely place it among the less expensive cars for first-time owners to insure.
- Low insurance groups, usually 3 to 5.
- Small 1.0-litre engine, which tends to reduce insurer risk.
- Popular first-car reputation, which can make it easier to compare quotes.
- Cheaper-than-average premiums for many young drivers, though individual pricing varies widely.
How to keep premiums down
There are a few practical ways to reduce the cost of insuring a Peugeot 107 without changing the car itself. The biggest wins usually come from raising the voluntary excess carefully, choosing a secure overnight parking spot, limiting annual mileage, and comparing quotes well before the policy start date.
- Compare multiple insurers instead of accepting the first quote.
- Choose a sensible mileage estimate rather than inflating it.
- Add experienced named drivers only if they genuinely share the car.
- Park in a garage or secure driveway when possible.
- Consider telematics if you are a new or young driver.
Trim differences matter
Not every Peugeot 107 costs the same to insure, even though the model is broadly cheap. Public listings show the same core car in different groups depending on trim and year, with some versions remaining at group 3 and others moving up to group 5, especially in later or better-equipped variants.
That means buyers should not assume every 107 quote will be identical. A used car ad that looks cheaper upfront can sometimes cost a little more to insure if it is a later special edition or a higher-spec trim.
Market context
The Peugeot 107 has long been positioned as an entry-level city car, and that history helps explain its insurance profile. Public car-insurance guides consistently describe it as a low-cost option, while insurer-facing group databases continue to place it in the lowest part of the 1-to-50 scale.
"The Peugeot 107 belongs to insurance groups 3-5," according to a 2024 comparison guide, which is the core reason the car remains popular with first-time buyers.
That range is low enough to surprise some new drivers who assume insurance will be expensive simply because they are inexperienced. In reality, the 107's modest hardware often offsets some of the risk that typically pushes premiums up.
Buying implications
If you are shopping for a used Peugeot 107, the insurance rating should be part of the total ownership calculation alongside fuel economy, servicing, and road tax. A car with a slightly higher trim level may offer nicer equipment, but the savings from a lower insurance group can matter more over a full year of ownership.
For a first car, that balance is the key appeal: low running costs, low group rating, and broad availability in the used market. In practice, the 107 is often a rational buy for anyone who wants simple motoring without paying premium-level insurance costs.
Frequently asked questions
Helpful tips and tricks for Peugeot 107 Insurance Rating Cheaper Than You Expect
What insurance group is a Peugeot 107?
The Peugeot 107 is usually in insurance groups 3 to 5, depending on the exact trim and year.
Is the Peugeot 107 cheap to insure for new drivers?
Yes, it is generally considered one of the cheaper small cars to insure for new drivers, and some guides have put typical young-driver comprehensive cover around £900.
Why does the Peugeot 107 have such a low insurance rating?
Its low rating reflects the small engine, low repair costs, compact size, and limited performance, all of which reduce insurer risk.
Does every Peugeot 107 cost the same to insure?
No, premiums vary by trim, driver profile, postcode, mileage, and claims history, even when the base model sits in a low insurance group.
Which Peugeot 107 trim is usually cheapest to insure?
Basic trims such as Access, Active, and Allure are commonly listed in group 3, while some Envy versions can sit slightly higher.