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.

Julie Daniels
Insurance expert
4
minute read
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Last Updated 18 JULY 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.

You can get an idea of the types of cars in each group below:

Group 1 Cars in this group are usually among the cheapest to insure. 
Group 2  These are among the cheapest to repair and parts are widely available.  
Group 3  A good group for young drivers who tend to pay much more for car insurance because of their age and inexperience. 
Group 4  Choosing a car in a lower insurance group might help bring down the cost of your premium.  
Group 5  Cars in lower insurance groups tend to have less powerful engines. 
Group 6  Cars in this group are a good choice if you’re looking to pay less than your average car insurance premium. 
Group 7  Many of the newer models have safety and security features as standard. 
Group 8  While these cars aren’t among the very cheapest to insure, you could still get a cheap car insurance quote.  
Group 9  Cars in this group might be more expensive than lower groups, perhaps because they’re larger. 
Group 10  While starting to drift away from the lowest groups. Cars in group 10 can still be cheap to insure. 
Group 20-50  From group 20 onwards, the cost of car insurance can be more expensive. The high-end groups typically include high-performance vehicles and prestigious brands. 

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.

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.

What insurance group are electric cars in? 

While electric cars offer low running costs, no tax and a cleaner environment, insurance costs may be higher than you’d expect. This is because, currently, parts and repairs can be more expensive to source and fit. As a result, electric cars are often put into higher insurance groups than petrol or diesel cars of a similar class and size.

Frequently asked questions

Can I do anything else to get cheaper car insurance?

Here are some things you can do to try and get cheaper car insurance:

  • Set a higher voluntary excess - just remember if you do make a claim, you’ll have to pay both the compulsory and voluntary excess. 
  • Improve security - 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.
  • Take out a telematics or “black box” policy – your driving data is shared with your insurance provider and proving you’re a safe driver could be rewarded with cheaper insurance.
  • Reducing your mileage – the less you’re on the road, the less of a risk you’re seen to be by your insurance provider.

What is the cheapest car insurance group?

Cars in groups one to five are generally the cheapest to insure, but the final cost of your premium also depends on your own circumstances and driving history.

Does your insurance group drop over time?

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, it could also make it more expensive. Car insurance groups are agreed between the Group Rating Panel, which is made up of representatives across the Association of British Insurers.

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.

Why are the same cars in different groups?

The group rating system takes into account the different versions of the same model of car.

It also factors in the different age ranges for the same model. For example, there are many versions of the VW Golf.

Do the car insurance groups include vans?

Like cars, van insurance groups range from 1-50. However, it’s not that simple. Vans registered before 2016 are in groups 1-20, whereas vans registered from 2016 onwards are split into 30 new groups, 21-50.

Unfortunately, this can make things slightly confusing, as the same van model registered a year apart could be in two separate groups (e.g. groups one and 21). Also, a van in group 21 could be cheaper to insure than one in group 20.

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.

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Compare quotes with us today and see if you can start saving. 

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