Car Insurance Groups

person looking reading about car insurance groups on their laptop

What are car insurance groups?

Car insurance groups will have an affect on your insurance premiums so understanding what they mean can help you save money insuring your car. Every car is categorised into an insurance group, which are mainly decided on by the ABI Group Rating System which is administrated by the Association of British Insurers (some insurers will use their own system).

The Group Rating System categorises each car by an insurance group from 1- 50, with vehicles in insurance group 1 being the cheapest to insure on those in group 50 the most expensive. The Group Rating System is also supported by the Thatcham Research group who standardise safety and security checks for vehicles. Insurance groups are a good indicator for both insurance costs and the standard of safety features on a vehicle.

The system is intended to advise insurance companies on the relative risk of private vehicles and to maintain their safety standards. They are decided on by a number of factors that go towards calculating the insurance premium of the car named on the policy. Buying cars in low insurance groups is one way to make your car insurance cheaper.

How are cars grouped for insurance?

  • Vehicle Valuation

    The price of the car is taken into consideration and the level of cost settlement in the event the car is written off. Specification and trim effect the insurance group of a vehicle too. So can the type of vehicle. A £45000 sports car is more than likely to be placed in a higher insurance group that an estate car of the same value because the insurer assumes it will be driven in a certain way.

  • Cost of repair

    The Group Rating System uses a globally recognised standard 15 km/h crash impact test to assess the repair times and cost of a vehicle. Results are then logged in the Thatcham Times System (TTS) database and used for estimating accident damages, repair times and part costs for insurance purposes.


    According to the Association of British Insurers, over half of all money paid out for motor insurance claims cover the cost of repairing a vehicle.

  • Vehicle performance

    Performance tests measure the acceleration of the vehicle between 0 - 60mph and its top speed. The more powerful a vehicle is the higher its insurance group will be.

  • Safety features

    Vehicles with factory fitted autonomous breaking systems and other safety features as standard will warrant a lower insurance group as they will be less likely to be involved in a road collision.

  • Cost of spare parts

    A standard list of 23 common vehicle parts is used to compare the cost and availability of parts from manufacturers. A car that is cheaper and quicker to repair will fall into lower insurance bands.

  • Vehicle security

    The security features on the vehicle that prevent crime will be taken into account. Cars with a factory fitted immobiliser and high security door and boot locks will pose less of a risk to insurers.

  • Bumper compatibility

    Cars which have bumpers compatible with the criteria of the ABI's Group Rating System will be categorised in lower insurance groups.

What do the letters mean in car insurance groups?

The insurance group of a car will be listed as a number and a letter (i.e 8E). The letter refers to the level of security features fitted as standard on the vehicle. Security requirements increase as the insurance group increases, so the higher the insurance group the better the security needs to be.

There are 6 letters applied to car insurance groups. Here is what they mean:

A. The car meets all security requirements for its group.

D. The car doesn't meet the requirements for its insurance group and has therefore been placed in a higher insurance group.

E. The car has exceeded security requirements for its group and has therefore been placed in a lower insurance group.

P. Data for the car is only provisional. P is used when the data used by the rating system was incomplete when the car was launched.

U. The car has unacceptable levels of security. The car will still be insured but your insurer may ask for security features to be added or upgraded.

G. The car has been imported. Two groups are used for imported vehicles: Parallel imports and grey imports.

Car insurance groups FAQ


Where can I find the insurance group price table?


Your insurance will be determined by a host of factors. The type of car you're driving will not be the only element for the insurer's premium. Others include:


  • Occupation
  • Your age
  • Address
  • Driving history
  • The length of time you've held a driver's license


These are the few of the many, but most important factors.


What cars are in insurance group 1, 2, 3 and 4?*


These groups feature low-insurance cars* that are excellent for first-drivers that are looking to cut the costs. So let's get right into it:


Insurance group 1 - Citroen C1 Airplay 1-litre, Fiat Panda Active 1.1-litre and Vauxhall Corsa Expression 1-litre.


Insurance group 2 - Citroen C1 Splash 1-litre, Fiat Qubo Active 1.4-litre, Peugeot Partner Tepee Urban 1.6-litre, Toyota Aygo Sport 1-litre and Vauxhall Corsa Life 1-litre.


Insurance group 3 - Citroen C3 Airplay+ 1.1-litre, Fiat Panda Dynamic Eco 1.2-litre, Ford Ka Zetec 1.2-litre, Toyota Yaris T3 Vvt-I 1-litre and SEAT Ibiza E (60) 1.2-litre.


Insurance group 4 - Fiat Qubo Dynamic 1.4-litre, Peugeot 107 Sport 1-litre, Toyota IQ 1-litre, Vauxhall Corsa Life Eco 1-litre and Ford Ka Edge 1.2-litre.


*Dependant on the release year, number of doors, as well as engine size and power.


Which cars are in car insurance group 15e?


Insurance group 15e is the middle between the cheaper and more expensive car insurance brackets. The letter E refers to theft deterrents and has exceeded safety requirements.


You'll find vehicles like Alfa Romeo Mito Lusso 1.4-litre (2009), Citroen C2 Code 1.6-litre (2007), C3 Exclusive 1.6-litre (2010), C4 Picasso Vtr+ Hdi (2004-2008), Fiat 500 Black Multijet Tdi 1.2-litre (2010) and Ford Focus Sport 1.8-litre (2006-2007).


Which cars are in the car insurance group 11e?


If you're after a car in this insurance group, luckily there's no shortage.


Take your pick from Renault Clio Extreme Dci 1.5-litre (2008), SEAT Ibiza Sport 16V 1.4-litre (2004-2005), Suzuki Splash SZ4 1.2-litre (2010), Toyota Auris T2 D4D 1.4-litre (2007-2010) or Toyota Yaris Verso T Spirit Vvt-I (2003-2005).


Popular Insurance Groups


Insurance group 5 cars


Cars in the group 5 are some of the cheapest to insure. These vehicles also have less power and more safety features making insurance costs more affordable. Cars in the group include:


  • Peugeot 207 (1.4 HDi Urban (09) 3d)
  • Fiat 500 (1.2-litre Pop)
  • Citroen C3 (1.1i VT 5d)
  • Ford Fiesta (Zetec 1.1 Ti-VCT 70PS 5d)
  • Hyundai i10 (SE 1.0 MPi 67PS 5d)


Car insurance groups 1-20


Cars in these insurance groups can be categorized in two parts: 1-10 which are among the cheapest to insure, and 10-20 that still have reasonable costs, but are a bit pricier.


Popular insurance groups within the category


Insurance group 7 cars


  • Fiat Panda (1.3 Multijet 4x4 Cross 5d)
  • Ford B-Max Studio (1.4 5d)
  • Honda Civic Hatchback (1.4 i-VTEC S-T 5d)
  • Kia Picanto (1.25 2 5d Auto)
  • Mazda 2 (1.25 S 5d)


Insurance group 09e cars


  • Alfa Romeo Mito (0.9 TB TwinAir Live 3d)
  • Citroen C4 Cactus (1.2 PureTech (82bhp) Feel 5d)
  • Dacia Sandero (Essential TCe 90 5d)
  • Hyundai Kona (SE 1.0 T-GDi 120PS 2WD 5d)
  • Mercedes-Benz A-Class (A160 CDI BlueEFFICIENCY Classic SE 3d)


Insurance group 14e cars


The average cost of insurance for group 14 is mid-range with £768 for 30 year-olds, and dropping to a £543 for 50 years-olds. Cars in this group include:


  • Audi A1 (1.6 TDI SE 3d)
  • BMW 2-Series Active Tourer (218i [136] SE 5dr)
  • Citroen C3 Aircross SUV (Flair BlueHDi 100 S&S 5d)
  • DS 3 Cabrio (1.2 PureTech (82bhp) Chic 2d)
  • Honda Jazz (1.2 i-VTEC SE (Start Stop) 5d)


Going up the range, we’ll cover a few of the more popular insurance groups that range between 22-34.


Insurance group 22e cars


Insurance group 22 is excellent if you’re looking to reduce the insurance costs and is a mid-point between a more powerful car, but cheaper running prices.


  • BMW X1 (sDrive 18d SE (07/12-) 5d)
  • Hyundai ix35 (2.0 CRDi Premium (2010) 5d Auto)
  • Jeep Compass (2.4 Limited 5d CVT Auto)
  • Land Rover Freelander (2.2 Td4 e Sport LE 5d)
  • MINI Countryman SUV (2.0 Cooper D Sport [Comfort Pack] 5d)


Insurance group 24 cars


  • Audi A4 Avant (1.8T FSI (160bhp) Executive SE 5d)
  • Cupra Formentor SUV (1.4 eHybrid 205 V2 5dr DSG)
  • Ford Focus ST (2.0 TDCi (185bhp) ST-1 Estate 5d)
  • Honda CR-V SUV (S 1.5 VTEC Turbo 2WD 5d)
  • Jaguar E-Pace SUV (D150 AWD 5d)


Popular expensive insurance groups

 

Insurance group 30 cars


  • Cupra Ateca SUV (2.0 TSI 5dr DSG 4Drive)
  • Infiniti Q50 (2.2 CDi Executive 4d)
  • Kia Sorento SUV (1.6 T-GDi HEV 2 Auto 5d)
  • Mitsubishi Outlander (2.4 MIVEC Sport 5d Auto)
  • Nissan X-Trail (2.0 dCi Arctix Sport Adventure 5d Auto)  


Insurance group 31 cars


Cars in this insurance group are more expensive to run than 1-30, but it’s still a viable option if you don’t want to compromise on a speed or a larger car size. The average cost for an insurance group 31 for 30-year-olds is £903, while 50-year-olds will pay £639 on average.


  • Abarth 124 Spider (GT 1.4 Turbo MultiAir 2d)
  • BMW 5-Series Touring (520d M Sport (Plus Package and Technology Package) auto (11/19-on) 5d)
  • DS 7 Crossback SUV (1.6 E-TENSE Performance Line + 5dr EAT8)
  • Jeep Wrangler (2.8 CRD 75th Anniversary 4WD auto 2d)
  • Lexus NX (300h 2.5 SE (Nav) 5d CVT)


Insurance group 32 cars


  • Audi Q3 Sportback (40 TDI 200 Quattro S Line S Tronic [C+S Pack] 5d)
  • Mazda MX-5 RF (Skyactiv-G 2.0 184ps Sport Tech 2d)
  • Mercedes-Benz GLA-Class (GLA 200 d 4Matic AMG Line Premium Plus 8G-DCT auto 5d)
  • Peugeot 508 SW (Allure Hybrid 225 e-EAT8 auto 5d)
  • Toyota RAV4 (2.5 VVT-i Hybrid Business Ed Plus 2WD 5d Auto)


Insurance group 34e cars


  • Z4 Roadster (520d (190bhp) SE 5d)
  • Mazda RX-8 (PZ 4d)
  • Renault Megane Renaultsport (2.0 T 16V Renaultsport (275bhp) Cup S 3d)
  • Toyota RAV 4 SUV (2.5 PHEV Dynamic 5dr CVT)
  • Volkswagen Golf R (2.0 TSI R Hatchback 3d)

Find cars in low insurance groups


Looking to buy a car that's cheap to insure? Check out the latest models from the likes of Ford and Renault in insurance groups 1 - 10.


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