What are car insurance groups?

If you’re in the market for a new car, you probably have an idea of the make and model you want. But it’s also worth considering that the type of car you go for will have a direct effect on the premium you end up paying.

Put simply, each type of car falls into a certain car insurance group, which helps insurers decide how much your Car Insurance policy should cost.

Here, we discuss what car insurance groups are, how they work, and what the cheapest car insurance groups are.

What are car insurance groups?

Every car belongs to an insurance group, which is defined by the Group Rating Panel. The groups range from 1 to 50 and, broadly speaking, the lower the insurance group your car is in, the lower the cost of your Car Insurance premium will be.

The Group Rating Panel, which is made up of insurance industry representatives, considers several different factors to determine which cars fall into which groups.

Typing on laptop

How many groups are there?

There are 50 insurance groups your car could fall into.

Generally, you’ll find more expensive, high-performance cars in the higher groups, and smaller, less powerful cars in the lower groups.

For example, a fast sports car will tend to have a higher insurance group than a family hatchback, and therefore cost more to insure.

What is the cheapest insurance group?

The group system works on a scale of 1 to 50, and the cheapest insurance group is Group 1.

Which cars are in Group 1?

Some popular cars that fall into Group 1 include the Ford Ka+ and the Nissan Micra – note that this won’t be all models, so be sure to double-check.

As vehicles in Group 1 are the cheapest to insure, it’s a good idea to look at cars in this group if you’re looking to keep your insurance premium down.

How do the insurance groups work?

As mentioned, there are several different factors that come into play when the panel is deciding which cars sit where.  

These factors include:

The car’s value

This is used to indicate how much the car would cost to repair or replace.

The cost to repair the car

As well as the car’s value, repair costs and the time it takes to successfully repair the vehicle varies by make and model.

This includes the cost of replacement parts – the lower these cost, the lower the car insurance group will be.

The car’s performance

High-performance cars with faster acceleration and higher speeds are considered a greater risk, so will end up in a higher car insurance group.

The car’s safety and security

If your car’s got advanced safety and security feature, it means it’s more difficult to steal/tamper with, resulting in a cheaper insurance group.  

As the Group Rating Panel meets monthly, it’s worth noting that car insurance groups can change quite frequently.

What insurance group is my car in?

Thatcham Research, the organisation that administers the data for the Group Rating Panel, provides a tool where you can enter your car’s details to find out its insurance group.

Below are some examples of where popular cars sit within the car insurance groups – just be aware that any modifications or special features may put your car outside of its typical group:

 

Insurance group

Car manufacturer and model

1-15

Citroen C1 Vibe, Vauxhall Corsa Expression, Fort Escort Azura, Volkswagen Beetle, Suzuki Jimmy Szt

16-30

Kia Carens Gs, Honda Accord Aerodeck Es, Fiat Croma Dynamic, Hyundai Sonata Cdi, Renault Laguna Gt Dci (175)

31-45

Audi A6 Se T, Mini Cooper S Gp, Ford Focus Rs (300), Nissan Pathfinder T-Spec, Vauxhall Monaro V8 (333)

46-50

BMW 750 Li M Sport, Jeep Grand Cherokee Srt-8, Lotus Evora S (345), Jaguar Xf R (507), Audi A8 S8

Is my car’s insurance group the only thing insurers will consider?

Your car’s insurance group is only part of the picture: Insurers also take into account a number of ‘risk factors’ when calculating your Car Insurance premium, including: 

  • Where you live
  • Your insurance claims history 
  • Where your car is stored overnight
  • External factors, such as fraud

Read more about why Car Insurance premiums can go up.

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