Car insurance groups in the UK rank cars from group 1 (cheapest to insure) to group 50 (most expensive), based on factors like repair costs, performance, and security. Your car’s group directly affects your premium—cars in group 1 cost much less to insure than those in higher groups. Here’s how car insurance groups work in 2026.
How Car Insurance Groups Work in the UK
According to Thatcham Research, "The insurance group rating system is designed to reflect the relative risk and cost of claims for different car models, helping insurers set premiums that are fair and proportionate." — Thatcham Research, Car Insurance Group Rating Explained, 2024
Car insurance groups are a system used by insurers to assess the risk and cost of insuring different car models. Every car registered in the UK is assigned a group number between 1 and 50, with group 1 being the cheapest to insure and group 50 the most expensive. This system helps insurers set fair premiums based on the likelihood and cost of claims.
Who Decides the Groups?
The groups are set by the Group Rating Panel, which is administered by Thatcham Research on behalf of the Association of British Insurers (ABI) and Lloyd’s Market Association. The Panel meets regularly to assess new car models, using data supplied by manufacturers and insurers.
- ABI: The Association of British Insurers represents the UK’s insurance industry and helps ensure group ratings are consistent and fair. Learn more at the ABI.
- Thatcham Research: This independent organisation tests vehicles for repair costs, safety, and security, providing the technical basis for group ratings.
Why Do Groups Matter?
Insurers use these groups as a starting point for calculating your premium. Generally, the lower the group, the lower your insurance cost. However, your personal circumstances (age, driving history, postcode) also play a key role.
According to the ABI, the average UK car insurance premium rose to £561 in Q3 2024. — Association of British Insurers, Motor Insurance Premium Tracker, Q3 2024
Factors That Determine Car Insurance Groups
MoneyHelper advises: "Choosing a car in a lower insurance group can significantly reduce your premium, but remember that other factors like your age and driving history also play a big part." — MoneyHelper, Car Insurance Groups Guide, 2024
Several technical and practical factors determine a car’s insurance group. The Group Rating Panel considers each model’s characteristics to estimate the likely cost of claims.
1. Engine Size and Performance
- Powerful engines: Cars with larger, more powerful engines (e.g., 2.0L turbocharged) are usually in higher groups, as they can accelerate faster and are statistically more likely to be involved in expensive claims.
- Example: A 1.0L Ford Fiesta might be in group 2 or 3, while a 3.0L BMW M3 could be in group 45+.
2. Repair Costs and Times
- Parts and labour: Cars with expensive or rare parts, or those that are complex to repair, are placed in higher groups.
- Example: A basic Vauxhall Corsa is cheap and quick to fix (low group), while a luxury Mercedes S-Class has high parts and labour costs (high group).
3. Safety and Security Features
- Crash protection: Cars with advanced safety features (e.g., multiple airbags, autonomous emergency braking) may be placed in lower groups.
- Security: Features like alarms, immobilisers, and tracking systems can reduce the risk of theft, lowering the group rating.
4. New Car Value
- List price: The higher the new car price, the more it costs to repair or replace after an accident, so it’s likely to be in a higher group.
5. Likelihood of Damage or Theft
The ONS reported that in the year ending March 2024, there were approximately 370,000 incidents of vehicle-related theft in England and Wales. — Office for National Statistics, Crime Survey for England and Wales: Vehicle-Related Theft, 2024
- Claims data: If a model is often stolen or involved in claims, it may be placed in a higher group.
6. Cost and Availability of Parts
- Parts sourcing: Cars with widely available, inexpensive parts are cheaper to repair and thus in lower groups. Imported or specialist vehicles may have higher group ratings due to costly or hard-to-find components.
7. Performance and Acceleration
- Acceleration figures: Cars with rapid 0-60mph times are considered higher risk and are placed in higher groups. For example, a car that does 0-60mph in under 6 seconds is likely to be in group 40+.
8. Security Ratings
- Thatcham Security Rating: Cars are assessed for standard security features. A poor security rating can push a car into a higher group, even if other factors are favourable.
Summary Table: Key Factors Affecting Group Rating
| Factor | Low Group (1–10) Example | High Group (40–50) Example |
|---|---|---|
| Engine Size | 1.0L Ford Fiesta | 4.0L Porsche 911 |
| Repair Costs | Cheap, common parts | Expensive, specialist parts |
| Safety/Security | Standard alarm, airbags | Advanced, but high-value target |
| New Car Value | £10,000–£18,000 | £40,000+ |
| Theft/Damage Likelihood | Low | High |
Cheapest Car Insurance Groups (1–10): Best for Low Premiums
If you’re looking for the cheapest insurance, focus on cars in groups 1 to 10. These are usually small, low-powered, and inexpensive to repair—perfect for new drivers, young drivers, or anyone wanting to keep costs down.
What Types of Cars Are in Groups 1–10?
- City cars: Compact, low-powered, easy to drive and repair.
- Entry-level hatchbacks: Basic trim levels with minimal extras.
- Older models: Without expensive technology or high-value parts.
Example Cars in Group 1
Here are some popular models typically found in group 1, with approximate 2026 prices for a used example:
| Model | Typical Group | Approx. Used Price (2026) | Notes |
|---|---|---|---|
| Volkswagen Up! 1.0 | 1 | £7,000–£10,000 | Reliable, cheap to run |
| Hyundai i10 SE Connect 1.0 | 1 | £8,000–£11,000 | Good safety kit |
| Kia Picanto 1.0 | 2 | £7,500–£10,500 | 7-year warranty |
| Skoda Citigo 1.0 | 1 | £6,500–£9,000 | Shares parts with VW Up! |
| Ford Ka+ 1.2 | 2 | £7,000–£9,500 | Popular with new drivers |
| Toyota Aygo X 1.0 | 3 | £8,000–£11,500 | Low emissions |
| SEAT Mii 1.0 | 1 | £6,000–£8,500 | Economical, city-friendly |
Example Cars in Group 25
| Model | Typical Group | Approx. Used Price (2026) | Notes |
|---|---|---|---|
| Volkswagen Golf 1.5 TSI | 25 | £15,000–£20,000 | Popular family hatchback |
| Ford Focus ST-Line 1.5 | 25 | £14,000–£18,000 | Sporty trim, moderate power |
| MINI Cooper 1.5 | 25 | £13,000–£17,000 | Premium small car |
| Audi A3 Sportback 1.4 TFSI | 25 | £14,000–£19,000 | Well-equipped, efficient |
Cheapest Insurance Group Cars: What to Expect
- Annual premium: Young drivers in group 1 cars may pay £900–£1,500, while experienced drivers could see premiums from £300–£500.
- Running costs: Lower groups often mean better fuel economy and lower road tax.
Tip: Always check the exact model and trim, as a more powerful engine or different trim can move a car into a higher group.
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Most Expensive Car Insurance Groups (41–50): What to Avoid
At the other end of the scale, groups 41–50 are reserved for high-performance, luxury, or specialist vehicles. These cars cost more to repair, are more likely to be stolen, and can reach high speeds—meaning higher risk for insurers.
What Types of Cars Are in Groups 41–50?
- Sports cars: Fast acceleration, high top speed, expensive parts.
- Luxury saloons/SUVs: High list price, advanced technology, costly repairs.
- High-value electric vehicles: Some top-end EVs fall into high groups due to expensive battery packs and tech.
Example Cars in Groups 45–50
| Model | Typical Group | Approx. New Price (2026) | Notes |
|---|---|---|---|
| BMW M4 Competition | 48 | £80,000+ | High-performance coupe |
| Range Rover Sport P530 | 50 | £90,000+ | Luxury SUV, expensive to repair |
| Porsche 911 Carrera S | 50 | £110,000+ | Iconic sports car |
| Tesla Model S Plaid | 50 | £100,000+ | High-value electric, rapid accel. |
| Mercedes-Benz S-Class S500 | 49 | £95,000+ | Advanced tech, high repair costs |
| Audi RS6 Avant | 50 | £100,000+ | Performance estate |
| Jaguar F-Type R | 49 | £85,000+ | High-performance sports car |
High Group Cars: What to Expect
- Annual premium: Even experienced drivers may pay £1,500–£3,000+. Young drivers may find insurance unaffordable or unavailable.
- Excess: Higher compulsory and voluntary excesses are common, sometimes £1,000+.
Key Point: If you’re looking to keep insurance costs down, avoid cars in groups 40 and above.
How to Find Your Car's Insurance Group
Knowing your car’s insurance group is vital before you buy or compare insurance. Fortunately, it’s easy to check.
Step-by-Step Guide to Checking Your Car’s Insurance Group
-
Use the Thatcham Research Group Rating Tool
Thatcham Research offers a free online tool where you can search by make, model, and year: Thatcham Research Car Insurance Group Checker. -
Ask Your Dealer or Seller
Dealers and private sellers should be able to tell you the group for any car they’re selling. Always verify this, especially if you’re comparing similar models. -
Check with Your Insurer
When getting a quote, your insurer will confirm the group based on your car’s registration number (number plate). -
Use Car Comparison Websites
Most UK car comparison sites display the insurance group alongside other running costs. -
Check the Owner’s Manual or Logbook
Sometimes the group is listed in the car’s documentation, especially for new cars.
Tip: Remember that even small differences in trim, engine size, or model year can affect the group rating.
How Modifications and Optional Extras Affect Group Rating
Car modifications and optional extras can impact your car’s insurance group—and your premium.
- Factory-fitted options: Upgrades like larger wheels, sports suspension, or a more powerful engine can move a car into a higher group.
- Aftermarket modifications: Non-standard additions (e.g., body kits, engine tuning, aftermarket alarms) don’t change the official group but must be declared to your insurer. They can increase your premium or, in some cases, invalidate your cover if not declared.
- Security upgrades: Adding Thatcham-approved alarms or trackers can sometimes lower your premium, especially for high group cars.
Example:
A Ford Fiesta 1.0 Trend (group 2) with a factory-fit sports pack may be rated higher than the basic model. Always check before buying or modifying.
Impact of Car Insurance Groups on Young and New Drivers
Young and new drivers face higher premiums, and insurance group selection is especially important.
- Why? Insurers see younger drivers as higher risk due to inexperience. A group 1–3 car can make insurance affordable.
- Example:
- An 18-year-old in a group 1 car (e.g., Skoda Citigo) might pay £1,200–£1,800/year.
- The same driver in a group 20 car (e.g., MINI Cooper S) could pay £2,500–£3,500/year—or struggle to get cover at all.
Tip: Look for cars specifically recommended for new drivers. Many comparison sites and brokers offer lists of the cheapest cars to insure for young drivers.
For more, see our guide to the cheapest cars to insure in the UK.
How Insurance Group Affects Your Premium
Car insurance groups are a key factor in calculating your premium, but they’re not the only one. Here’s how the group rating fits into the bigger picture.
How Much Difference Does a Group Make?
- Like-for-like driver: A 25-year-old with a clean licence in a group 1 car might pay £400/year, but in a group 45 car, the same driver could pay £2,000+.
- Young drivers: For an 18-year-old, group 1 might mean £1,200/year; group 45 could be £4,000+ or even refused cover.
Why the Difference?
- Risk of claim: Higher group cars are more likely to be involved in expensive claims.
- Theft risk: Expensive cars are more attractive to thieves.
- Repair costs: Insurers pay more to fix or replace high group cars.
Other Factors That Affect Your Premium
While the group is important, insurers also consider:
- Your age and experience: Young drivers pay more, regardless of group.
- Postcode: High-crime or urban areas mean higher premiums.
- Occupation: Some jobs are seen as higher risk.
- Annual mileage: More miles means more risk.
- Claims and convictions: Past claims or points on your licence increase your premium.
Example: How Group and Driver Profile Combine
| Driver Profile | Car (Group) | Typical Premium (2026) |
|---|---|---|
| 21-year-old student | Ford Fiesta (Group 2) | £1,100 |
| 21-year-old student | Audi A3 (Group 30) | £2,300 |
| 45-year-old teacher | Ford Fiesta (Group 2) | £350 |
| 45-year-old teacher | Audi A3 (Group 30) | £900 |
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Car Insurance Group vs Other Rating Factors
It’s easy to focus on insurance group, but it’s only one part of the premium calculation. Understanding the whole picture can help you save money.
What Else Matters to Insurers?
- No Claims Discount (NCD): The more years you drive without claiming, the bigger your discount—up to 60% off.
- Voluntary Excess: Choosing a higher excess can lower your premium, but you’ll pay more if you claim.
- Car Usage: ‘Social only’ use is cheaper than ‘business use’ or ‘commuting’.
- Security: Extra alarms, immobilisers, and trackers can reduce your premium, especially for high group cars.
- Parking Location: Garaged cars are cheaper to insure than those parked on the street.
Should You Only Buy a Low Group Car?
Not always. If you have a good driving record, live in a low-risk area, and have built up NCD, you may be able to afford a higher group car. But for young drivers or those on a budget, group 1–10 cars are usually the best value.
How to Lower Your Premium (Even in a Higher Group)
- Add a named experienced driver: This can reduce costs for young drivers.
- Limit your mileage: Lower mileage means lower risk.
- Improve security: Fit an approved alarm or tracker.
- Shop around: Always compare quotes from multiple insurers—prices can vary by £100s.
For more tips, see MoneyHelper’s guide to car insurance.
Real-World Example: Average Premiums by Insurance Group
Here's a look at how average annual premiums can differ by insurance group for a 30-year-old driver with a clean record, living in a medium-risk postcode (2026 data, based on leading UK providers such as Aviva, Direct Line, Admiral, and LV=):
| Insurance Group | Example Car Model | Average Annual Premium |
|---|---|---|
| 1 | Hyundai i10 1.0 SE | £370 |
| 10 | Ford Fiesta 1.25 Zetec | £420 |
| 20 | VW Golf 1.4 TSI | £510 |
| 30 | Audi A3 1.5 TFSI | £650 |
| 40 | BMW 3 Series 330i | £900 |
| 50 | Tesla Model S Plaid | £1,850 |
Premiums can vary significantly by provider and driver profile, but this table gives a sense of the scale. For more on reducing your costs, see our guide to lowering car insurance costs.
What’s Changing for 2026? Recent and Upcoming Updates
The car insurance group system is periodically updated to reflect new technology, repair methods, and claims trends. For 2026, key updates include:
- Electric and hybrid vehicles: More detailed assessment of battery replacement costs and repairability, which can affect group placement for new EVs and hybrids.
- Advanced driver assistance systems (ADAS): Cars with standard-fit autonomous emergency braking, lane-keep assist, and adaptive cruise control may be placed in lower groups if these features reduce claims frequency.
- Security standards: Stricter requirements for keyless entry and anti-theft technology, as thefts of keyless cars have risen in recent years.
- Repair cost data: More granular data from insurers and repairers is being used, so even minor differences in bumper or headlight design can impact group ratings.
Expert commentary:
According to Thatcham Research, “The 2026 updates reflect the rapid pace of change in vehicle technology. Cars with strong safety and security features can now benefit from lower group ratings, but expensive-to-repair tech or batteries can push some models higher.”
(Source: Thatcham Research)
Tips for Lowering Your Premium Based on Group Selection
- Choose a lower group car: Especially important for young or new drivers.
- Avoid unnecessary extras: Sports packs, larger wheels, and high-spec trims can push a car into a higher group.
- Opt for cars with good security: Look for models with Thatcham-approved alarms and immobilisers.
- Consider older models: Newer cars can be more expensive to repair due to advanced tech.
- Compare similar models: Sometimes two cars with the same engine but different trims are in different groups—always check before you buy.
Frequently Asked Questions
What is the cheapest car insurance group in the UK?
Group 1 is the cheapest insurance group. Cars in this group, such as the Volkswagen Up!, Hyundai i10, and Skoda Citigo, are inexpensive to repair, have small engines, and come with good safety features. These are ideal for young or new drivers looking to keep insurance costs low.
How do I find out my car’s insurance group?
You can check your car’s insurance group using the free tool on the Thatcham Research website, by asking your dealer, or by checking with your insurer when you request a quote. Comparison sites and some car manuals also list group numbers.
Do modifications affect my car’s insurance group?
Factory-fitted options can affect the official group rating, while aftermarket modifications don’t change the group but must be declared to your insurer. Modifications can increase your premium or, if undeclared, invalidate your cover. Security upgrades may reduce your premium, especially for high group cars.
Are insurance groups more important for young drivers?
Yes. Insurance group selection has a bigger impact for young and new drivers, as premiums are already high due to inexperience. Choosing a car in group 1–3 can make insurance much more affordable and accessible for younger drivers.
Can I lower my premium without changing my car’s group?
Yes. Improving your car’s security, adding an experienced named driver, limiting your mileage, and shopping around for quotes can all help reduce your premium, even if your car is in a higher insurance group.
Conclusion: How to Use Car Insurance Groups to Save Money
Understanding car insurance groups is one of the smartest ways to control your insurance costs in the UK. By choosing a car in group 1–10, you’ll pay less for cover—especially if you’re a young or new driver. Always check a car’s group before you buy, and remember that your premium also depends on your age, driving history, and where you live.
Action steps:
- Check the insurance group of any car you’re considering—use Thatcham’s tool or ask the seller.
- Compare quotes from multiple insurers to find the best deal for your car and circumstances.
- Consider total running costs—not just insurance, but fuel, tax, and servicing.
- Review your needs—sometimes a slightly higher group car with better safety or comfort is worth a little extra.
For more details on how car insurance works and how to save, see the FCA’s guide to motor insurance.
By making an informed choice, you can get the cover you need at a price you can afford—without surprises.
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