Insurance Groups Explained

Understanding car insurance groups can feel confusing, especially if you’re not sure how your car’s make and model affects your insurance premium. To help, we’ve created this guide to car insurance groups: covering what they are, how they work, how insurers use them to calculate your premium, and which groups are cheapest.

A Breakdown of the 50 Insurance Groups

Think of insurance groups as a sliding scale, from group 1 (cheapest to insure) to group 50 (most expensive to insure). The lower your car’s group, the less you’ll likely pay for insurance. Here’s a breakdown of which groups popular cars tend to fall in, keep in mind these are general examples. The specific model and year of your car will also play a part: 

Group 1: Cars in group 1 are the cheapest to insure. They tend to have small engines, low running costs, and are affordable for repairs. Examples: Chevrolet Spark, Citroen C1, Fiat Panda, Ford Ka Plus, and Vauxhall Corsa

Groups 2 to 5: Still very affordable to insure, thanks to their low-powered engines and cheap repairs, ideal for new or young drivers. Examples: Ford Ka, Nissan Micra, Renault Clio, Skoda Fabia, Vauxhall Corsa

Groups 6 to 10: Slightly more powerful, with added safety features, but still reasonably priced to insure. Examples: Hyundai i10, Kia Rio, Seat Ibiza, Toyota Yaris, Volkswagen Golf

Groups 11 to 15: Mid-range engines with average premiums – a popular choice for many drivers. Examples: BMW 1 Series, Mazda 2 Hybrid, Mini Hatchback, Peugeot 5008, Toyota Prius

Groups 16 to 20: Higher-powered cars that may be pricier to insure for young or inexperienced drivers, but can still be affordable for experienced drivers with a good driving history. Examples: Ford Focus, Honda Jazz Crosstar, Jeep Wrangler, Land Rover Freelander, Mercedes-Benz A-Class

Groups 21 to 30: From these groups onwards, cars tend to come with higher than average insurance premiums due to the car’s performance and higher value. Examples: Alfa Romeo Giulietta, Audi A3 Hatchback, Dacia Duster SUV, Kia Sportage, Nissan Leaf

Groups 31 to 40: These are premium cars with costly parts and repairs, which drives up insurance premiums. They’re also seen as higher theft risks, which adds to the cost. Examples: Citroen C5 Saloon, Jaguar XF Prestige, Lexus RX L, Mitsubishi Outlander, Suzuki Swift Sport.

Groups 41 to 50: Luxury and high-performance cars sit at the top of the scale, they’re the most expensive cars to insure. Examples: BMW X6, Ford Mustang, Land Rover Discovery, Lotus Evora, Tesla Roadster