Car insurance groups are one of many factors used to determine the risk insurers face when covering a particular car. Typically, the higher the insurance group, the higher the premium as cars found in higher groups will be more expensive to repair or replace.
- Every private car in the UK is allocated an insurance group which is then used by insurers alongside things like your address and driving history, to calculate your insurance premium
- There are 50 different insurance groups ranging from 1 to 50 with 1 usually being the cheapest to insure and 50 being the most expensive
- The motor insurance repair research centre Thatcham is responsible for working in conjunction with the Association of British Insurers to allocate a group to each new car
Some of the models you may find within the different insurance groups include:
||Manufacturers & Models
|1 - 10
||Citroen C1, Vauxhall Corsa, Ford Ka, Audi A1, Volkswagen Golf
|11 - 20
||Audi A3, Fiat 500, Honda Civic, Kia Picanto, Mini Countryman
|21 - 30
||Audi Q5, BMW 1 Series, Land Rover Freelander, Mini Cooper S
|31 - 40
||Lexus IS, Audi TT, BMW 5 Series, Ford Mondeo, Porsche Boxster
|41 - 50
||Infiniti M, Volkswagen Phaeton, Audi R8, Citroen C6, Volvo XC90
*This is not an exhaustive list - some of the models within each group range will be allocated different groups depending on their exact specification. All details taken from Parkers.co.uk.
How many car insurance groups are there?
Thatcham introduced the 1-50 system in 2007. This means that each model of car tested can be banded more accurately with similar cars. The 50 different groups are determined by a number of factors that your car will fall under. For insurance companies, this serves as a recommendation or guide for when preparing a new policy and price for a customer.