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Car insurance groups

Learn how car insurance groups work

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What are car insurance groups?

Car insurance groups are one of the ways insurers use to calculate the cost your premium.

Every car in the UK is part of an insurance group. In total there are 50 insurance groups rated from 1 to 50, with 1 being the cheapest and 50 the most expensive.

How do car insurance groups work?

Car insurance groups are used by insurers to help determine your car insurance price. Other things like your age, no claims bonus, annual mileage, and car use come into working out your quote price, but these groups act as a baseline.

Generally, the lower the car group, the lower the cost of your insurance.

How many car insurance groups are there?

There are 50 car insurance groups, and insurers place cars into groups depending on their size, value, and the cost of repairs.

Cars in lower down groups, such as 1-10, are more likely to be affordable, safe cars that are cheap to repair.

Cars in the higher-up groups will be expensive cars with bigger engines, that cost more when insurance claims are involved.

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How are car insurance groups decided?

The insurance group rating panel decide which group a car goes in. The panel is made up of members of the Association of British Insurers (ABI), Lloyds Market Association (LMA) and supported by the motor insurance repair research centre, Thatcham.

The insurance group rating panel consider the following when giving a car model an insurance group:

  • New car value acts as a guide to how much your car might cost to replace or repair. The more it costs, the higher the group the car will fall into
  • Repair costs including labour costs are calculated to see how much it’d cost to get your car fixed and back to normal
  • Safety features like autonomous emergency braking (AEB) lower the risk of colliding into another car. The less risk of an accident the lower the group
  • Car bumper compatibly is assessed against the rating panel’s criteria. If the structure meets what they look for, the car will be in a lower group
  • Performance with 0-60 mph acceleration time and top speed looked at. Typically, the more powerful a car the higher the group
  • Average repair time as the longer the time it takes the more it’ll cost. Shorter repair times are rewarded with lower groups
  • Security features such as alarms and immobilisers show your car is less likely to be broken into, so should fall into a lower group

What insurance group is my car?

You can check which insurance group your car is in by visiting the Thatcham website. Here are some popular car models and which group they fall into:

1-10 11-20 21-30 31-40 41-50
Citroen C1
Audi A3
Audi Q5
Lexus IS
Infiniti M
Vauxhall Corsa
Fiat 500
BMW 1 Series
Audi TT
Volkswagen Phaeton
Ford Ka
Honda Civic
Hyundai Sonata
BMW 5 Series
Audi R8
Audi A1
Kia Picanto
Land Rover Freelander
Ford Mondeo
Citroen C6
Volkswagen Polo
Mini Countryman
Mini Cooper S
Porsche Boxster
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.

What are the cheapest cars to insure?

The cheapest car insurance groups are 1-10. So, if you’re looking for cheaper insurance costs and premiums, it might be better to focus on a car from these groups.

Models and manufacturers like Volkswagen E-Golf, in group 15, Volkswagen E-up, in group 10, and Renault Zoe expression Nav in group 14 are more expensive.

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What insurance group are electric cars in?

Electric cars are sorted into insurance groups like any other cars, numbered 1-50. With group 1 being the cheapest to insure.

Popular electric cars are still viewed as being specialist by insurers. They’re typically placed in the highest insurance groups as they’re expensive to repair after a crash. And as they aren’t that common, replacement parts can be difficult to find.

How is car insurance calculated?

As well as the car you drive, the amount you pay for car insurance is calculated by taking the following into account:

  • Age is a major consideration for car insurance prices. Younger drivers are seen as less experienced so may be more likely to be involved in a road accident. Premiums are usually high until you are 25-years old.
  • Driving history and any record of previous claims or driving convictions, are likely to increase your premium price
  • Occupation plays a part too as if your job is in an industry deemed risky, you’ll see higher premiums
  • Location because if you live in a postcode with a higher crime rate, there may be more chance you’ll make a claim. This is reflected with higher premiums
  • Type of cover you choose, despite comprehensive cover offering the most cover, it’s often the cheapest

Find out more about how car insurance is calculated.

How can I get cheaper car insurance?

There are a number of ways for you to get cheaper car insurance. To start with, buy a car in one of the lower insurance groups. Other things you can do are:

  • Add car security features
  • Increase your voluntary excess
  • Pay annually if you can
  • Get a telematics box or black box policy
  • Be accurate with your annual mileage
  • Build up a no claims bonus (NCB)
  • Pick the correct job title
  • Think about how you use your car

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What our car insurance expert says

Car insurance groups help insurers to calculate the cost of your insurance – the higher the group, the more expensive your insurance is. But no matter what group your car is in, there are ways to reduce your costs, and comparing quotes is one of the easiest ways to do that.
Alex Kindred signature

Alex Kindred

Car insurance expert

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