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Car insurance group 11

Group 11 is at the lower end of the car insurance group. That means cars in this group could be cheaper to insure. Here’s what you need to know about group 11 cars.

Group 11 is at the lower end of the car insurance group. That means cars in this group could be cheaper to insure. Here’s what you need to know about group 11 cars.

Written by
Julie Daniels
Motor insurance comparison expert
Last Updated
15 JANUARY 2024
4 min read
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What is insurance group 11?

Insurance group numbers run from 1 to 50, with 1 generally being the cheapest to insure. Car insurance group 11 is towards the cheaper end of the scale. The higher the group, the more expensive a car is likely to be to insure.

The groups are there to help insurance providers calculate the cost of premiums. The system is run by the motor insurers’ automotive research centre – Thatcham Research. It defines requirements for the groups, tests vehicles and collates data to see which group they fit into.

The factors that are used to calculate group ratings include:

  • Parts costs
  • New car value
  • The extent of damage likely to be caused in an accident to the vehicle
  • The vehicle’s acceleration and speed
  • Safety features, like autonomous braking
  • Security features to help prevent theft.

But remember, the overall cost of your insurance premium isn’t just about the car you drive. It’s also decided by your age, where you live, your driving history and even your job title.

Which cars are in car insurance group 11?

Even though insurance group 11 is towards the cheaper end of the range, it doesn’t mean that there aren’t well-known and well-loved makes and models in the mix.

These include some of the smaller-engine models in the Volkswagen Golf, BMW series 2 and Nissan Qashqai ranges. There are also more obvious models like the Ford Fiesta, as well as a mix of body types, not just small hatchbacks.

Popular makes of cars in group 11 include:

Make Model
BMW 2 Series Gran Tourer 216d Luxury, 2018-2022, 5dr, diesel
Citroen Berlingo Feel M Pure Tech, 2020-2022, 5dr, petrol
Ford Fiesta ST-Line Edition EcoBoost 100 2021-2022, petrol
Hyundai i30 SE CRDi 110, 2017-2020, 5dr, diesel
MINI One D 2014-2018, 5dr, diesel
Nissan Qashqai 1.3 DiG-T MHEV Visia, 2021-2022, 5dr, petrol
Peugeot Traveller Active Compact BlueHDi 95 8S, 2016-2022, 5dr, diesel
Renault Captur Play Blue dCi 95, 2019-2022 5dr, diesel
Skoda Fabia SE L TSi 95, 2021-2022, petrol
Toyota Yaris Cross Icon, 2021-2022 5dr, petrol, automatic
Volkswagen Golf 1.2 TSI Bluemotion Tech S 103bhp, 3dr, petrol

What is the insurance group 11 average cost?

As insurance premiums are based on individual circumstances, it’s tricky to separate out a meaningful typical cost for group 11 cars themselves. Factors like the age, power and value of the vehicles in group 11 can vary widely and affect insurance costs.

But 51% of our customers were quoted less than £950 for their comprehensive car insurance in December 2023. This, of course, is averaged out across vehicles from all groups.

What is insurance group 11e?

The suffix of e to a group rating indicates that a particular model exceeds the security requirement for a car of this type and the group rating has therefore been reduced. For example, a group 12 car that exceeds Thatcham’s minimum-security standard for that group will be listed as an 11e.

An example of how this might work is that you have two identical vehicles that would ordinarily be classed as group 12. But if one has an optional extra of autonomous emergency braking fitted, this could result in a classification of 11e for that model.

Who are insurance group 11 cars most suitable for?

Group 11 cars can be good for people who aren’t looking to set any new lap records and want fuel economy, as these cars don’t usually have the most powerful engine sizes. Fortunately, there are many great practical run-arounds and family cars.

Being in group 11 might also indicate that the car could be at the cheaper end when it comes to parts and repairs, too – but obviously that will depend on what’s needed.

How can I check my car insurance group?

It’s easy to use our handy car insurance group checker to see which category your car falls into. You’ll need to know the manufacturer and model and ideally the year of manufacture. You can find all these details on your vehicle registration document.

You can also see how different specifications for the same models may affect your premium. This could be helpful if you’re looking for a new car or used car, as you can see differences between models in the same range before you make up your mind.

Go to car insurance group checker

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Frequently asked questions

Is insurance group 11 high or low?

Insurance group 11 is at the lower end of the scale – with group 1 being the lowest and cheapest, and group 50 being the highest and more expensive.

However, what you pay for insurance depends on more than the group your car is in. If you’ve had recent accidents and driving convictions you’ll pay more for a group 11 car than someone who hasn’t, for example.

What is the difference between insurance group d and e?

Cars with the suffix d on their insurance group means that the model doesn’t meet the security requirement for vehicles of this type, so they’ve been moved up a group. So, a group 10 car where security isn’t up to Thatcham’s minimum for that group will be listed as 11d.

Julie Daniels - motor insurance comparison expert

Julie is passionate about delivering a great customer experience and rewarding people for saving on their insurance through our loyalty and rewards programme. She’s spoken to the media, including outlets like Sky News and Capital FM, about car and home insurance, as well as our rewards scheme.

Learn more about Julie