Car insurance group checker

If you’re buying a new car or looking to renew your car insurance, it’s always handy to find out what insurance group your car is in. With our car insurance group checker, it’s easy to find out. Simply enter the details below and away you go.

If you’re buying a new car or looking to renew your car insurance, it’s always handy to find out what insurance group your car is in. With our car insurance group checker, it’s easy to find out. Simply enter the details below and away you go.

Daniel Hutson
Head of Motor Insurance
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Posted 19 FEBRUARY 2021 Last Updated 9 FEBRUARY 2022

What insurance group is my car in?

To find out which insurance group your car is in, just enter the details below. Once you’ve found your group, start a quote to see what premium you could pay.

Little red car

What are car insurance groups?

An industry-wide insurance advisory service, Thatcham Research, administers the Association of British Insurer’s (ABI) Group Rating system. They score all makes and models of cars into the different insurance groups. 

The higher the group, the higher your car insurance premium is likely to be. Cars in the higher groups tend to be top-of-the-range models, those that would be expensive to replace or repair, or those that are more often targeted by thieves. Generally speaking, if your vehicle falls into the low insurance group cars category, you’ll pay a lower premium – something to bear in mind if you’re looking for a new car.

How many car insurance groups are there?

There are 50 different car insurance groups, with each car’s group determined by their scoring on a wide range of categories.

What do car insurance groups mean?

Providers like to use the insurance group rating to help calculate the cost of premiums. They’re arranged from groups 1-50, with group one being those cheapest to insure and group 50 being among the most expensive. It’s not just the cost of the car though, groupings are also based on the cost of repairs and parts, should the car be damaged.

How are car insurance groups decided?

Vehicles are placed in each of the car insurance groups based on their scoring across a range of categories. These include their price, power, safety and security features, as well as things like the cost of repairs, should the vehicle get into an accident.

They also take an internationally recognised crash impact test, to determine the vehicles damage resistance, and the cost required to repair the vehicle to its previous condition.

The groups are used to determine the level of risk to insurance providers. The greater the risk, the higher the group number it belongs to, while lower-risk vehicles will belong in the lower groups.

Find out more about how Thatcham make their calculations.

What can I do if my car is in a higher insurance group?

If your car is in one of the more expensive car insurance groups, you might still be able to bring down the cost.

Complete a car insurance comparison with Compare the Market and we’ll show you a list of quotes from our panel of insurance providers. 

You can also check what’s included in the policy. If having breakdown cover or a courtesy car doesn’t matter much to you, look for policies that don’t include these options. You could find this reduces the cost of your premium – just don’t remove them if you think you might need them.

How is car insurance calculated?

Your car insurance is calculated based on information relating to you and your car. Some of the things that impact your car insurance premium include your age, your level of cover, where you live, your job, your driving history, and the make and model of your car (which includes its insurance group). There are many factors that are taken into consideration when calculating your car insurance.

What are the cheapest cars to insure?

The cheapest cars to insure are typically found in the lowest car insurance groups. This is because they are normally lower in value, which means they are likely cheaper to repair, if damaged.

However, just because a car is cheaper to buy, doesn’t necessarily mean it’s cheaper to insure. A car’s safety and security features will impact your insurance premiums, which is why they are considered when determining a car’s insurance group. Because of this, you should consider these carefully before choosing a car and taking out a policy.

Can I do anything else to help keep insurance costs down?

You might consider setting a higher voluntary excess, just remember if you do make a claim, you’ll have to pay both the compulsory and voluntary excess. 

You may also want to invest in security-enhancing features, such as an immobiliser, steering lock or an approved alarm system. Providers will often take these into account and adjust your premiums accordingly, but it’s a good idea to check with them first before you fork out. 

Similarly, you might benefit from a telematics or “black box” policy, where your driving data is shared with your insurance provider and safe driving is incentivised.  

Reducing your mileage could cut the cost of your premium – the less you’re on the road, the less of a risk you’re seen to be by your insurance provider. However, always be honest about the miles you do, as underestimating could invalidate your policy in the event you make a claim.

Does your insurance group drop over time?

Car insurance groups are agreed between the Group Rating Panel, which is made up of representatives across the Association of British Insurers. As new makes and models are released, the groups may change over time. This may mean your car insurance falls into a different group one year. If this happens, you may find your car is cheaper to insure. However, if could also make it more expensive.

Will an additional named driver on my policy be beneficial?

It can bring down your car insurance quote if you include an experienced named driver on your policy, such as a parent or older sibling. Just make sure you don’t declare them as the main driver as you don’t want to be accused of ‘fronting’ – a type of fraud that would make your policy invalid.

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