What is my car insurance? How do you know?

When a person wants to choose a new car, he has to find the insurance companies for that particular car before he buys it. When you want to buy a car and decide what type of premium car insurance you are looking for, you need to know your car insurance group because it will determine the rate or cost of your insurance. Insurance companies place all cars in an insurance group from 1 to 50, with the cheapest group for insurance and 50 being the most expensive. The class your car has will affect how much you pay for its insurance. Examining how insurance is assigned to certain categories can give you an idea of ​​how an insurer views a particular category of risk and whether they may charge more or less to meet it.

But while you might think that a Maserati costs more than a Ford Mondeo, many factors determine your car insurance premium, not just the value of the car. The insurance company will look at many factors, such as your driving experience, where you live, and how many miles you plan to drive each year.

What are car insurance companies ?

Car insurance groups are a way of categorizing cars into different groups based on their level of risk. The group your car is in will affect how much you pay for your car insurance premium.

Generally, cars in lower insurance groups will have lower premiums, while cars in higher insurance groups will have higher premiums. It’s important to note that the insurance group of a car can change over time as new models are released or as the car ages.

When shopping for car insurance, it’s important to consider the insurance group of the car you’re interested in, as this will significantly impact your premium. It’s also worth noting that cars in higher insurance groups may be more expensive to repair or replace in the event of an accident, which could also affect your insurance premium.

How do car insurance companies work?

A car insurance group determines how much cover is the potential to cost. Experts comparing the market explain how the ratings are calculated. When working out the cost of a new car, it’s an excellent idea to factor in how much the insurance will cost. You can get an idea of this by discovering which car insurance group a model falls into. When a new car is presented, the Insurance Group Rating Panel decides how much of an insurance risk it appears to be.

However, that’s not based just on how fast and desirable a vehicle is; the panel factors in several potential costs, such as the car’s value, repair costs, and the price of parts. Using this information, the panel assigns each vehicle to a group from 1 to 50, and the higher the group, the higher the insurance cost is likely to be. Insurers don’t have to use those suggestions, but most will factor them into their sums.

The Motor Insurance Repair Research Center, more commonly known as Thatcham, assesses new cars and provides the research that informs the panel’s decision. This retains the cost of damage and parts, the likely price of repairs, the car’s value when new, safety features, performance, and security features.

Insurance Group 32e average cost

When it comes to insurance, all vehicles are assigned an insurance group from 1 (cheapest) to 50 (most expensive), which helps work out the cost of your car insurance premium. Vehicles in Group 32 tend to be more costly to insure. The cars that fall in this group tend to have a more increased market value and cost a lot to repair. They are also statistically more likely to get into accidents or be involved in criminal acts.

The insurance group that a specific vehicle is assigned will depend on various factors, such as vehicle performance, safety features, cost of repairs, and security features. Several popular cars in insurance group 32 are likely to fall on the more expensive side of your car insurance premium. In many cases, cars in insurance group 32 overlook to cost more to insure because of the following factors.

  • High market value
  • Expensive to source parts and make repairs
  • Larger engine
  • Longer repair times

Car insurance groups explained

For insurance pursuits, cars are divided into groups from 1 to 50. Group 1 is the cheapest to insure. The group a particular car model fits into is usually discriminated by trim level and engine size, and type. It means the cars under the umbrella of one model can fall into different groups depending on their specifications. For example, not all Nissan Micras will be group 1 cars, but a Micra with the smallest engine size will fall into the group and be a cheap car to insure.

Each car is assigned to one of 50 car insurance groups under the Association of British Insurers (ABI’s) rating system. Each group is allocated a rating based on the level of risk an insurer feels they carry. Cars with a Group 1 insurance rating harbor the lowest risk to an insurer – they might have a lot of safety features or are only capable of moderate speeds.

It’s worth noticing that the 1-50 groups should be used to indicate insurance prices. Insurers can set their own groups, although they are likely to be similar to the industry standard. Almost every new car sold in the UK is assigned to a car insurance group.

Whereas cars with a group 50 insurance rating pose a high level of risk – expensive supercars that are costly to repair could fall into this group. Like each insurer, we use our process to set car insurance premiums, but car insurance groups are used to some degree and can indicate how much it would cost to insure your car.

What cars are in the insurance Group 1-5?

Group 1 cars are frequently the cheapest to insure. Cars in Group 1 are in no particular order; they can currently be new and used car models in insurance Group 1. You can check through car insurance checking tools. It can be helpful when you have a specific model in your mind. If you are looking for inspiration on low-group vehicles, you can check the six popular cars that are the cheapest to insure. Check out the list of cars with models in different groups:

Cars in Group 1

Car Name Model
Chevrolet (Spark) 1 liter – 5 door (-2010)
Citroen C1 Airplay 1 liter – 3 door (2006-2007)
Citroen C1 Airplay+ 1 liter – 3 door (2007-2008)
Citroen C1 vibe 1 liter – 3 door (2005-2008)
Fiat Panda Active 1.1 liters 5 doors (2004-2008)
Fiat Panda Active Eco 1.1 liter – 5 door (-2008)
Skoda (Fabia) Skoda Fabia Classic 1 liter – 5 door (2000-2000)
Vauxhall (Corsa) Vauxhall Corsa Expression 1 liter – 3 doors (2006-2009)
Vauxhall Corsa Expression Ecoflex 1 liter – 3 door (-2010)

When it comes to car insurance, the lower the insurance group, the better. Group 1 cars are considered to have the lowest insurance risk, making them the most affordable to insure.

However, it’s important to note that insurance rates are not solely based on the car’s make and model. Your circumstances, such as agedriving history, and location, can also impact your insurance premiums.

Typically, cars in insurance Group 1 are entry-level superminis or city cars equipped with smaller engines. These cars are often popular for those looking for a budget-friendly option. Additionally, major car manufacturers usually have a wide dealership support network, so repairs are often quick and cost-effective.
So, if you’re searching for a car that won’t break the bank regarding insurance, it’s worth considering a vehicle in insurance Group 1. However, be sure to factor in your circumstances before making a decision.

Cars in Group 2

Car Name Model
Citroen C1 Code 1 liter – 3 door (2008-2008)
Citroen C1 Rhythm 1 liter – 5 door (2005-2008)
Citroen C1 Splash 1 liter – 3 door (2009-2010)
Citroen C1 Vt 1 liter – 3 doors (-2009)
Citroen C1 Vtr 1 liter – 3 doors (-2009)
Fiat Qubo Active 1.4 liter – 5 door (-2008)
Nissan Pixo Acenta 1 liter – 5 door (-2009)
Nissan pixo Visia 1 liter – 5 door (-2009)
Peugeot Partner Tepee Urban (90) 1.6 liter – 5 door (2008-2010)
Skoda Fabia Blueline (64) 1.2 liter – 5 door (2003-2003)
Skoda Fabia Classic (54) 1.2 liter – 5 door (2003-2007)
Skoda Fabia Silverline (64) 1.2 liter – 5 door (2003-2003)

If you’re on a tight budget or a young driver facing high insurance premiums, cars in insurance Group 2 could be a great option. These cars are known for being among the cheapest to insure, making them popular for those looking to save on insurance costs.

Cars in Group 3

Car Name Model 
Chevrolet Spark+ 1 liter – 5 door (-2010)
Chevrolet Spark Ls 1 liter – 5 door (-2010)
Citroen C1 Cool 1 liter – 3 door (2007-2007)
Citroen C1 Vtr Hdi 1.4 liter – 3 door (2009-2010)
Citroen C1 Vtr+ 1 liter – 3 door (-2010)
Citroen C2 Airplay+ 1.1 liter – 3 door (2007-2007)
Citroen C2 Cachet 1.1 liter – 3 door (2008-2008)
Citroen C2 Cool 1.1 liter – 3 door (2007-2007)
Citroen C2 Design 1.1 liter – 3 door (2004-2008)
Citroen C2 Furio 1.1 Liter – 3 door (2005-2008)
Citroen C2 L 1.1 liter – 3 door (2003-2008)
Citroen C2 Lx 1.1 liter – 3 door (2003-2008)
Citroen C2 Rhythm 1.1 liter – 3 door (2008-2008)
Citroen C2 Vibe 1.1 liter – 3 door (2008-2008)
Citroen CC2 Vt 1.1 Liter – 3 door (-2009)
Citroen C2 Vtr 1.1 liter – 3 door (-2009)
Fiat Fiorino Combi 1.4 liter – 5 door (-2008)
Fiat Panda 4X2 1.2 liter – 5 door (2008-2008)
Fiat Panda 4X4 1.2 liter – 5 door (-2005)
Fiat Panda Dynamic 1.2 liter – 5 door (2004-2008)
Fiat Panda Dynamic Eco 1.2 liter – 5 door (-2008)
Ford KA Digital 1.2 liter – 3 door (-2010)
Ford Ka Edge 1.2 liter – 3 door (-2010)
Ford Ka Grand Prix 1.2 liter – 3 door (-2010)
Ford Ka Studio 1.2 liter – 3 door (-2009)
Ford Ka Tattoo 1.2 liter – 3 door (-2010)
Ford Ka Tattoo Premium 1.2 liter – 3 door (-2010)
Ford Ka Titanium 1.2 liter – 3 door (-2010)
Ford Ka Zetec 1.2 liter – 3 door (-2009)
Ford Ka Zetec Tdci 1.2 liter – 3 door (-2009)
Peugeot 1007 Dolce (73) 1.4 liter – 3 door (2005-2007)
Peugeot 107 Allure 1 liter – 3 door (-2010)
Peugeot 107 Envy 1 liter – 3 door (-2010)
Peugeot 107 Kiss 1 liter – 3 door (2008-2008)
Peugeot 107 Millesim 1 liter – 3 door (-2010)

Group 3 cars are often a great option for city dwellers due to their small size and easy maneuverability in tight spaces. Additionally, many of these cars come equipped with top-of-the-line security features, providing added peace of mind for drivers.

Another benefit of Group 3 cars is their affordability when it comes to insurance. This makes them an excellent choice for younger drivers who may be on a tight budget and looking for ways to save on car insurance.

If you’re in the market for a starter car or a vehicle that’s well-suited to city living, consider exploring the options available in insurance Group 3. With their compact size, advanced security features, and affordable insurance rates, these cars can be a great choice for a wide range of drivers.

Cars in Group 4

Car Name Model
Citroen Berlingo Multispace Vt (90) 1.6 liter – 5 door (2008-2010)
Citroen Berlingo Multispace Vt Hdi (75) 1.6 liter – 5 door (-2008)
Citroen Berlingo Multispace Vtr (90) 1.6 liter – 5 door (2008-2010)
Citroen Berlingo Multispace Vtr Hdi (75) 1.6 liter – 5 door (-2008)
Citroen C3 Cool 1.1 liter – 5 door (2007-2007)
Citroen C3 Desire 1.1 liter – 5 door (2003-2007)
Citroen C3 First 1.1 liter – 5 door (-2010)
Citroen C3 Vibe 1.1 liter – 5 door (2008-2008)
Citroen C3 Vt 1.1 liter – 5 door (2009-2009)
Citroen C1 Vtr+ Hdi 1.4 liter – 5 door (-2010)
Citroen C2 Sx 1.1 liter – 3 door (-2010)
Citroen Nemo Multispace Hdi 1.4 liter – 5 door (-2009)
Fiat Doblo Active 1.4 liter – 5 door (-2010)
Fiat Panda Active 1.2 liter – 5 door (-2010)
Fiat Panda Alessi 1.2 liter – 5 door (2006-2006)
Fiat Panda Eleganza 1.2 liter – 5 door (-2004)
Fiat Panda Mamy 1.2 liter – 5 door (-2009)
Fiat Punto (Grande) 360 1.2 liter – 3 door (2007-2007)
Fiat Punto (Grande) Dub 1.2 liter – 3 door (2008-2008)
Fiat Punto (Grande) Stripes 1.2 liter – 3 door (2007-2008)
Fiat Punto (Grande) White 1.2 liter – 3 door (-2007)
Fiat Seicento Active Sport 1.1 liter – 3 door (2003-2004)
Fiat Seicento Sound 1.1 liter – 3 door (2003-2003)
Ford Ka Titanium Tdci 1.2 liter – 3 door (-2010)
Nissan Pixo N-Tec ec 1 liter – 5 door (-2009)
Nissan Pixo Tekna 1 liter – 5 door (-2009)
Peugeot 1007 Sport (73) 1.4 liter – 3 door (2005-2007)
Peugeot Bipper Tepee Outdoor 1.4 liter – 5 door (-2009)
Peugeot Partner Tepee Urban Vti (98) 1.6 liter – 5 door (-2010)

If you’re on the hunt for a cheap car to insure, look no further than insurance Group 4. These cars are some of the most affordable to insure and are often small city cars like the Ford Ka and Smart ForTwo. Their compact size makes them easy to park, making them an ideal choice for city and town driving.

For new drivers, cars in Group 4 are an especially attractive option. As first-time drivers typically pay higher insurance premiums, choosing a car in this lower insurance group can help decrease the insurance cost. These cars typically have smaller engines and parts that are easy to source, which can also contribute to lower insurance rates.

Cars in Group 5

Car Name Model
Chrysler Ypsilon 1.2 liters- 5 doors (-2011)
Dacia Sandero 1.2 liters – 5 doors (-2015)
Daewoo Matiz 1.0 liters – 5 doors (-2003)
Ford Ka Plus White Edition 1.2 liters – 5 doors (-2016)
Hyundai i20 Hatchback 1.1 liters – 5 doors (-2015)
Kia Picanto Hatchback 1.0 liters – 5 doors (-2023)
Nissan Micra  Visia+ 1.0 liters – 5 doors (-2017)
Peugeot Partner Tepee 1.6 liters – 5 doors (-2011)
Renault Clio Hatchback 1.5 liters – 5 doors (-2006)
Vauxhall Corsa Hatchback, 1.3 liters – 3 doors (-2006)

If you prioritize cost over power or performance when it comes to your car’s engine, then insurance Group 5 cars might be a great option. These cars are generally more affordable to purchase and insure, making them an attractive choice for budget-conscious drivers.

Younger drivers who are already dealing with high insurance premiums may also find Group 5 cars a good fit. By choosing a car in this lower insurance group, they can save on insurance costs while still enjoying the benefits of car ownership.

It’s important to remember that the car you drive is just one factor that insurers consider when determining your insurance premium. Other factors, such as your age, location, and occupation, can also impact the cost of your insurance. That being said, choosing a car in Insurance Group 5 is smart for drivers looking to save on upfront and ongoing costs.

How do I find out which insurance group my car is in?

If you’re looking to insure your car, you’ll need to know which insurance group it falls under. Every car is assigned an insurance group between 1 and 50, with cars in group 1 being the cheapest to insure and those in Group 50 being the most expensive. Here’s how you can find out which group your car falls under:

  1. Check your car’s paperwork: Your car’s insurance group should be listed on its V5C registration certificate (also known as a logbook) and in its service history.
  2. Use an online insurance group checker: There are several websites that offer free insurance group checkers. All you need to do is enter your car’s make and model and the year it was registered, and the site will tell you which insurance group it falls under.
  3. Contact your insurer: If you’re still unsure which insurance group your car falls under, you can contact your insurer directly. They will be able to tell you which group your car is in and how much it will cost to insure.

By knowing which insurance group your car falls under, you can make an informed decision when it comes to choosing an insurance policy. Remember, cars in higher insurance groups will generally cost more to insure, so it’s worth doing your research before you buy.

Factors insurance groups include

Several factors come into play when the panel decides which cars sit where. These factors include:

The car’s value

It means how much the car would cost to replace on a like-for-like basis.

The cost of repairing the car

The car’s value, repair costs, and time to repair the vehicle successfully vary by make and model. This includes the expense of replacement parts: the rarer they are, the higher your car’s insurance group will be.

The car’s performance

High-performance vehicles that can accelerate quickly to high speeds are considered a greater risk, resulting in a higher car insurance group. Your car’s engine size is a critical factor that insurers will assess.

The car’s safety and security

If your car has advanced safety and security features, it is more difficult to steal or tamper with, resulting in a cheaper insurance group.

Benefits of groups car insurance

The cost is the most significant benefit of car insurance as part of a group rather than an individual. This is because insurance companies are extending coverage to many people. They can offer prices that allow each person to save money. A group plan can vary from company and policy regarding a discount. Regardless, the discount can be as much as 20 percent.

If the car insurance company saves money by working with a group, they can more easily pass along the savings to group members. Car insurance companies may also be able to offer other discounts and lower premiums. These include:

  • Discounts for parking garages or facilities
  • Discounts can consist of car rentals, car accessories
  • Services associated with your car, such as towing or repairs

Group car insurance plans may also allow for greater flexibility when it comes to payment. For example, some companies may allow you to automatically pay your premiums through Payroll deductions that may be pre-tax. Or there is a chance that you get additional leeway when it comes to setting up payment plans such as those scheduled on a monthly, annual, or semi-annual basis.

To encourage loyalty to your employer and the car insurance company, your car insurance policy could also become less expensive the longer you remain employed. Tenure discounts may be when you hear about such a break. Car insurance companies may offer similar discounts to individuals, calling them royalty discounts.