In-depth reviews

MG HS Plug-In running costs & insurance

Insurance groups are on the high side, but a long warranty and low company-car tax rates ensure the HS Plug-In will keep the majority of your motoring bills in check

Overall rating

3.5 out of 5

Running costs & insurance rating

4.0 out of 5

Insurance groupWarrantyService interval2021/22 company-car tax cost (20%/40%)
27-287yrs / 80,000 miles1yr / 15,000 milesFrom £661 / £1,322

Low running costs are pretty much the sole reason plug-in hybrid cars like the HS exist, so it has to pass muster here. And while its numbers are not head-and-shoulders above those of the competition in every regard, they're respectable enough. Plus, a relatively affordable list price and reasonable monthly finance payments mean the HS Plug-In holds some appeal for private buyers, as well as the company-car users who usually make up the bulk of plug-in hybrid drivers.

MG HS Plug-In insurance group

The HS Plug-In's insurance group varies slightly depending on what trim level you go for. Entry-level Excite is in group 27, while the range-topping Exclusive falls into group 28. That's a good bit more than both the Kia Niro PHEV's group 14 rating and the group 21 categorisation of the Ford Kuga Plug-In Hybrid.


MG's warranty is one of the best in the business, running for seven years from the date of first registration. Higher-mileage drivers may not get the full benefit of that, however, as there is an overall 80,000-mile cap on the cover. Kia, by contrast, covers its cars for up to 100,000 miles or seven years, while Hyundai puts no mileage limit on its five-year guarantee.


MG recommends the HS Plug-In visits the dealer for maintenance once a year or every 15,000 miles – whichever comes first. The brand offers pay-monthly service plans to spread the cost: a representative example covering 10,000 miles a year in a HS Plug-In costs around £25 per month at the time of writing.

Road tax

As this is an 'alternatively fuelled vehicle' in the eyes of the government, the UK road-tax rate is £145 – a £10 discount on the normal annual amount of £155. Even in top-spec Exclusive from, the HS Plug-In doesn't approach the £40,000 threshold after which you have to pay an extra £335 a year the first five times you tax it.


According to August 2021 data from CDL Vehicle Information Services (CDL VIS), the MG HS should retain just under 50% of its new value after three years or 36,000 miles on the road, in both Excite and Exclusive trim levels.

Most Popular

2023 DrivingElectric Awards: the winners
DrivingElectric Awards 2023

2023 DrivingElectric Awards: the winners

At the end of another historic year for the new car market, we celebrate the best electric and hybrid cars you can buy
7 Dec 2022
New MG4 EV named 2023 DrivingElectric Car of the Year
MG4 EV Car of the Year 2023

New MG4 EV named 2023 DrivingElectric Car of the Year

MG’s affordable electric hatchback also won the Best Value Electric Car award and was voted our Readers’ Favourite Electric Car
7 Dec 2022
Will an electric car work in the winter?
Winter driving
Your questions answered

Will an electric car work in the winter?

Worried about a cold snap immobilising your electric car? Here, we explain how cold weather affects electric vehicles
9 Dec 2022