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Car insurance group 13

There’s plenty of choice in car insurance group 13, with popular models available from many of the big-name car manufacturers, such as Citroën, Ford, Peugeot and Toyota.

There’s plenty of choice in car insurance group 13, with popular models available from many of the big-name car manufacturers, such as Citroën, Ford, Peugeot and Toyota.

Written by
Julie Daniels
Motor insurance expert
Last Updated
11 JULY 2024
4 min read
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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.

Which cars are in car insurance group 13?

There are many runaround hatchbacks in group 13, as well as a range of other styles and vehicle types. We’ve included a mix of newer and older models in our table below.

Popular cars in group 13 include:

Make Model
Citroen C1 Airscape Feel Edition Lagoon, PureTech 2015-2020, 5dr, petrol
Ford Focus ST-Line X-Style EcoBlue 115 2022- 5dr , diesel, automatic
Hyundai i40 Style Active Blue Drive 2011-2015, 5dr, petrol
Mazda 2 Hybrid Pure 2022-, 5dr, petrol automatic
Peugeot 208 Active Premium + PureTech S/S 75, 2022-, 5dr, petrol
Renault Grand Scenic Iconic dCi 199, 2018-2022, 5dr, diesel
Skoda Scala SE Technology TSi 110, 2022, 5dr, petrol
Toyota Verso Active D-4D, 2014-2016, 5dr, diesel
Vauxhall Astra Design CDTi ecoTEC S/S 109, 2017-2019, 5dr, diesel
Volkswagen Beetle TSi 105 , 2016-2018, 3dr, petrol

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.

What is group 13e?

Adding e to a group rating number is a sign that a particular model exceeds the security requirement for a car of this type. A group 14 car that exceeds Thatcham’s minimum security standard for that group will have the benefit of being listed as an 13e.

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 £809.45 for their comprehensive car insurance in June 2024. But that’s an average of cars in all groups.

How can I check my car insurance group?

To find out what insurance group your car is in, or to check out the insurance group of a car before you buy, simply use our handy car insurance group checker.

All you need to do is enter the make, model, year, doors, fuel and transmission and you can select your car from the dropdown list to see what car group it’s in.

Go to car insurance group checker

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Frequently asked questions

Which other factors affect your car insurance premium?

Besides the insurance group your car is in, a wide range of factors can influence the cost of your insurance including your:

  • Age
  • Address and where your car is kept overnight
  • Job
  • No-claims discount and claims history
  • Driving record
  • Annual mileage
  • Method of payment – monthly premiums may have added interest
  • Your excess.

How can I save on my car insurance premiums?

There’s a variety of ways you can help save on your car insurance. For example, if you can afford to pay a higher contribution towards a claim, then having a higher excess might help reduce your premium.

Paying up front annually can be cheaper, as many providers will charge interest if you pay for your insurance monthly.

Not auto-renewing your policy and shopping around for a competitive policy can help. But you must make sure that any policy you opt for has the cover that you need and want.

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