Car insurance group 13

What is insurance group 13?

In the UK, every car is given an insurance group from 1-50, with cars in group 1 generally being the cheapest to insure. Cars in insurance group 13 are at the lower end of the range so they could be good value.

Group 13 cars tend to have reasonable security and safety features, average performance and relatively low repair costs, so they’re seen as less of a risk by insurance providers.

The groups are set by the motor insurers’ automotive research centre, Thatcham Research. It sets the criteria for each group and tests cars to see which group they fit into.

Assigning a group will depend on factors including engine size, value, security features and potential repair costs. Even modifications and variations in factory specs could have an impact. So, it’s good to know where your car sits in the pecking order before you look for insurance, or buy a used or new vehicle.

But, of course, there are plenty of other factors that can affect the cost of car insurance premiums, including a driver’s age, claims history, address and occupation.

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Who are group 13 cars most suitable for?

A group 13 car could be a good choice for you if you’re looking for a good middle-ground between cheaper car insurance and performance.

Group 13 cars tend to have an average engine size but they’re on the lower end of the scale pricewise. If you make longer journeys regularly, group 13 cars have the potential to be roomier and more comfortable than some of the models in lower groups.

There are some great options for family cars in group 13, including the Skoda Scala and the Ford Focus. There’s even the odd seven-seater for larger families.

Group 13 cars could also be a reasonably good option for younger drivers facing higher premiums, though they could potentially save more by opting for a car in a lower insurance group.

Is insurance group 13 or 13e more expensive?

Both group 13 and group 13e tend to be at the cheaper end of the scale in terms of average premiums.

But what you’ll pay will depend on your own circumstances as well as the vehicle and the vehicle’s group. Insurance group 13 prices will be different for someone who has made recent claims or has points on their licence compared with someone who has a big no-claims discount and a clean licence.

As a quick guide, 51% of our customers were quoted less than £660.98 for their comprehensive car insurance in March 2025. But that’s an average of cars in all groups.