Car insurance group 1
If you’re thinking of buying or insuring a car, it’s worth knowing that cars in insurance group 1 are the cheapest to insure.
If you’re thinking of buying or insuring a car, it’s worth knowing that cars in insurance group 1 are the cheapest to insure.
What is group 1 car insurance?
Car insurance group 1 is the cheapest of 50 car insurance groups. Cars are assigned an insurance group rating by Thatcham Research, the insurance industry’s automotive research centre. It defines the groups and then tests and rates cars accordingly.
Factors that impact the group that a car is assigned to include:
- The cost of the car
- The cost of parts and repairs
- Engine size and performance
- Security features
- Safety features.
But the insurance group isn’t the only factor that can affect the cost of your premium. Your personal circumstances will, too.
Which cars are in car insurance group 1
Typically, group 1 insurance cars are smaller, cheaper models. They can be utilitarian rather than luxury and definitely won’t be high-performance. Because of this, they can have some of the cheapest insurance premiums, making them a great bet if you’re on a budget.
But how much you pay for your insurance will depend on other factors, too, including your age, your claims history and how many miles you drive in a year.
List of cars in insurance group 1 include:
| Make | Model |
|---|---|
| Chevrolet | Spark None, 2010-12, 5dr, petrol |
| Citroën | C1 Airplay+ 2007-2008, 5dr, petrol |
| Fiat | Panda Colour 1994-1995, 3dr, petrol |
| Ford | KA+ Studio Ti-VCT 70 2016-2018, 5dr, petrol |
| Hyundai | i10 S, 2014-2016, 5dr, petrol |
| Nissan | Micra Acenta 21, 2016-2022 5dr, petrol |
| Seat | Mii Toca (60) , 2013-2016, 5 dr, petrol |
| Skoda | Fabia SE MPI 60,2020-2021, 5dr, petrol |
| Vauxhall | Corsa Expression, 2006-2009, 3dr, petrol |
| Volkswagen | Fox (60), 2010-2012,3dr, petrol |
Trim and engine size affect which group a particular model falls into. Just because you see a Citroën C1 in the group 1 list, doesn’t mean all Citroën C1s will be in group 1.
Which is the cheapest insurance group?
Group 1 is the lowest insurance group, which also means it’s the cheapest insurance group. Group 50 is the most expensive. However, premiums aren’t just based on insurance group. Other factors are taken into consideration, too.
Who are group 1 insurance cars most suitable for?
Group 1 insurance cars can be a great option for younger drivers as they’re usually the cheapest to insure and are among the cheapest to buy and repair. They also tend to have less powerful engines.
If you have a large family, you might need something bigger, as group 1 cars tend to be small hatchbacks.
If you’re a young driver, your age and inexperience usually means paying high insurance premiums, so choosing a group 1 car can help keep your costs down. Plus there are many other ways to help cut the cost of your cover – see our tips for getting cheaper car insurance.
How can I check my car insurance group?
Our handy car insurance group checker makes it easy. Just tell us your car’s make and model, and we’ll tell you what insurance group it belongs to.
Car insurance group checkerFrequently asked questions
Is insurance group 1 high or low?
Insurance group 1 is the lowest and cheapest. At the other end of the scale, group 50 is the highest and more expensive.
However, what you pay for insurance depends on more than the group your car is in. Factors like your age, address, job, annual mileage and driving history can also have an impact on the cost of your insurance premium.
Are group 1 insurance cars good for young drivers?
Yes, they can be more affordable to buy, run and insure for young drivers. But, as with any car, it’s also a good idea to check the NCAP safety ratings, when choosing a car.
How can I save on my group 1 car insurance premiums?
There are a few ways you could potentially save on your car insurance.
- If you can afford to pay a higher contribution towards a claim, then having a higher excess may help reduce your premium. However, you’ll need to be able to afford your share if you do make a claim.
- Make sure your estimated annual mileage is accurate. If you over-estimate your mileage you could be paying more than you need to.
- Paying up front annually can be cheaper, as many providers will charge interest if you pay for your insurance monthly.
- Shopping around rather than auto-renewing your policy could help you find a cheaper deal. But you must make sure that any policy you choose has the cover you need and want.