Car insurance group 16

What is insurance group 16?

Car insurance group 16 is one of 50 car insurance groups. Where your car sits in the group ranking depends on its market value, how powerful the engine is, the safety and security features and potential repair costs.

The ranking is carried out by Thatcham Research, the insurance industry's automotive research centre, defines the groups and then tests and rates cars accordingly.

Cars in insurance group 16 offer good value but there are plenty of other factors that come into play when insurance providers calculate premiums, like a driver’s age, postcode and driving history.

Many popular mid-range car models fall in insurance group 16, from leading manufacturers like Audi, Toyota, BMW, Seat and Volkswagen. You can find higher-spec hatchbacks with larger engines alongside SUVs and some of the classier marques too.

Insurance group 16 cars are on the fringe of the cheaper end of the spectrum for car insurance. With a clean driving record and a few years’ driving under your belt, you could get a competitive deal for your group 16 car.

Popular cars in group 16:

Here are some examples of the types of models that are in group 16. We've mentioned a mix of older and newer models, so whether you are buying brand new or used, it will give you an idea of some of the vehicles in the group.

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Engine size, trim and optional extras will have an impact on which cars fall into a particular group. Models with very similar sounding names can fall into widely different bands. Just because there's a Series 1 BMW in group 16 it won't necessarily mean that all Series 1 are likely to be in that group or even a close group.

What is 16e insurance group?

Adding ‘e’ to a group rating number is a sign that a particular model exceeds the security requirement for a car of this type, so its group rating has been reduced. A group 17 car that exceeds Thatcham’s minimum security standard for that group may be listed as 16e.

Who are group 16 cars most suitable for?

Group 16 cars are a good choice for drivers looking for a compromise between performance and affordable car insurance premiums.

Group 16 includes family cars and SUVs, offering a bit more space and comfort than some of the more basic vehicles in the cheaper insurance groups. You'll also find hatchbacks with larger engines and better specs – if you prefer a car with more features.

They’re still on the lower end of the spectrum in terms of car insurance groups, but younger drivers looking to save on their premiums may be better off looking at cars in lower insurance groups.