MG ZS EV Excite auto 5d (105kW/140bhp, 44.5kWh battery)
2019-2025
- crossover
- 5-door
- auto
- electric
Typically £6,930 to buy — usually £5,220–£8,640 depending on year, spec and mileage.
Key facts
- Insurance group
- Group 21
- Euro NCAP
- 5-star (2019)
- MOT failure rate
- —
- Boot
- 470L
- Road tax
- £200/yr
- Efficiency
- 3.3 mi/kWh
- ULEZ
- Compliant
- Servicing
- —
MG ZS EV Excite auto 5d (105kW/140bhp, 44.5kWh battery)
2019-2025
£307/mo to run at 19
£242 insurance + £17 tax + £43 charging + £5 MOT = £307/mo to keep — excludes servicing
Plus the car itself: £6,930 upfront (typical).
About £3,686 a year to keep on the road.
Insurance likely £1,896–£4,376/yr. Sparse data for this model — a rough indication only, so we show a wider range. Estimates are for a car kept in London — most other areas are lower. Charging at 6,500 miles/yr, home charging at 26.1p/kWh (Ofgem cap) — public typically 54–79p/kWh (Zapmap, Jun 2026).
Heads-up: Market update (27 July 2026): two major insurer groups — including the cheapest black-box provider in most of our data — left the comparison panel we calibrate against, and cheapest quotes for young drivers rose roughly 50%. Our estimates now track this new, higher market. If those insurers return, real quotes could come in below the range shown — get a real quote before you budget.
Indicative estimate from public data for a black-box policy — not a quote.
Cost by age
Figures above are shown for a 19-year-old — pick your age below for the full breakdown.
The next few years
At 20 this falls to about £1,753–£4,046/yr, at 21 about £1,620–£3,740, at 22 about £1,563–£3,608.
Budget-planning estimates, not quotes — age effect only; a clean record and no-claims discount would lower this further; we don't model NCB. Sparse data for this model — a rough indication only, so we show a wider range.
Why this one: Group 21 insurance — among the cheapest here to insure at 19 · 5-star Euro NCAP (tested 2019) · Electric — cheapest per mile here on home charging
Worth knowing: Our premium estimate for this car is rough — treat the range, not the number
Before you buy it
- Check its MOT history on gov.uk — free — pass/fail history, recorded mileage and advisories by registration.
- An HPI/write-off check is also worth doing before you commit — a paid check that flags outstanding finance, write-offs and stolen-vehicle markers.
When you go to view it
- Service history & receipts
- V5C logbook matches the seller and the VIN
- MOT history checked on gov.uk
- Start it cold
- Tyres (tread + even wear, spare/kit present)
- Panel gaps & paint mismatches
- Every electric switch & warning light
- Test drive — brakes straight, clutch bites, no pulling
When to get quotes
Quotes are cheapest about 21–26 days before your cover starts — “if you can, get quotes about three weeks before you need cover” (MoneySavingExpert).
Want a match built around your budget and postcode?
Figures checked July 2026
How we work these figures out
Insurance estimates are expected annual premiums for a new driver on a comprehensive, black-box (under-22) policy in London, calibrated against published young-driver premium datasets. The low–high range reflects how much real quotes vary from person to person. Running costs assume 6,500 miles/yr at 26.1p/kWh, Ofgem cap and the standard MOT fee; servicing is excluded.
Without a black box, closer to £4,551/yr — about 56% more to insure at 19. Most under-25s get their cheapest cover with a box; if you won't fit one, budget for the higher number.
These are estimates based on public data, not quotes, and Vouched does not give insurance advice. When you're ready to buy, we introduce you to authorised providers for a real quote.