In the UK, cars are divided into different insurance groups from 1 to 50; with group 1 being the cheapest to insure and group 50 being the most expensive.
There are several factors that influence which insurance group a car belongs to, including the value of the car when it’s first purchased, the car’s performance, repair costs and times as well as the car’s security, amongst others.
There isn’t necessarily a strict grouping for each car, and many insurance providers also use their own determining factors when deciding the price of insurance for a car, but most cars will fit into one or two insurance groups.
The Group Rating Panel are responsible for assigning an insurance group number to every car. The Panel is made up of representatives from the insurance industry and will reconvene every month or so to discuss the different insurance groups to ensure that every car is assigned correctly.
When the Group Rating Panel decides which cars belong to which insurance groups, there are several factors that they look at and take into consideration.
They’ll consider the likes of repair times and costs, the cost of the parts required to fix the car, how much the car is worth, the car’s performance and the security of the car.
They will use these factors to help them decide which insurance group each car should be in. The cars that are placed in the lower insurance groups (such as 1 to 6) will likely have much smaller engines and will usually be much cheaper to insure.
Cars that belong in higher insurance groups however, such as 45-50, will likely have much higher values and will be more expensive to insure.
Insurance group 1 tends to be the home of cars with smaller engines, less power and are usually the cheapest types of cars to insure.
- Chevrolet (Spark)
- Vauxhall (Corsa Expression, Corsa Expression Ecoflex)
- Skoda (Fabia, Fabia Classic, Citigo)
- Fiat (Panda Active, Panda Active Eco)
- Citroen (C1 Airplay, C1 Airplay+, C1 Vibe)
- Nissan (Micra)
- Smart ForFour
- Volkswagen (Fox, Fox Urban, Up)
Cars that are in insurance group 2 have very similar qualities to those in insurance group 1; they usually have small engines with less power and are usually affordable models, both to purchase and to insure.
- Skoda (Fabia Blueline, Fabia Classic, Fabia Silverline)
- Fiat (Qubo Active)
- Peugeot (Partner Tepee Urban)
- Citroen (C1 Code, C1 Vtr, C1 Rhythm, C1 Vt, C1 Splash)
- Toyota (Aygo, Yaris)
- Nissan (Pixo Acenta, Pixo Visia)
- Vauxhall (Corsa, Corsa Active, Corsa Life, Adam)
Insurance group 3 contains many more makes and models of different cars than either group 1 or 2. However, the cars belonging to this group are still quite cheap to insure as they are still relatively small in the size of the model and their engine size.
It’s also a good idea to remember that some cars will overlap between insurance groups and can often be found in more than one group at a time.
- Fiat (Fiorino, Fiorino Combi, Qubo, Qubo Dynamic, Panda 360, Panda Climbing 4X4, Panda Dynamic)
- Chevrolet (Spark+, Spark Ls)
- Citroen (C1 Cool, C2 Vtr, Nemo Multispace, C3 L)
- Ford (Ka Digital, Ka Tattoo, Ka Titanium, Ka Zetec Tdci, Fiesta)
- Seat (Ibiza E, Ibiza S, Mii)
- Peugeot (107, 1007, Bipper, Partner)
- Smart (Fortwo Limited Two, Fortwo Pure)
- Kia (Picanto, Picanto Hatchback, Rio)
Group 4 cars are still cheap to buy and insure, and there are still many types of makes and models that belong to this group.
- Suzuki (Alto Cruz, Alto Sz4)
- Toyota (Aygo, Iq, Gail, Corsa)
- Volkswagen (Polo)
- Smart (Fortwo)
- Fiat (Doblo, Punto, Seicento)
- Skoda (Fabia 1, Fabia Ambiente, Roosters)
- Peugeot (1007, Bipper, Partner)
As you can see, there are hundreds of different makes and models of cars that all fall into one of the 50 insurance groups.
Each car insurance provider will look at the 50 different insurance groups as laid out by the Group Rating Panel and their decision on the price of insurance for a certain car will be influenced by these groups.
However, while the insurance groups are important to consider, not every insurance provider will make their decision purely on the Group Rating Panel’s insurance grouping.