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Car insurance group 16

Most things in life come in a pecking order – stuff at the top, stuff at the bottom – and car insurance is much the same. There are 50 car insurance groups your car could fall into, but cars in the 16e insurance group and the wider insurance group 16 tend to be mid-range. Let's explore more about this group.

Most things in life come in a pecking order – stuff at the top, stuff at the bottom – and car insurance is much the same. There are 50 car insurance groups your car could fall into, but cars in the 16e insurance group and the wider insurance group 16 tend to be mid-range. Let's explore more about this group.

Written by
Julie Daniels
Motor insurance comparison expert
Last Updated
15 JANUARY 2024
4 min read
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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.

Make Model
Audi A1 Technik 25 TFSI 95, 2019-2022, 5dr, petrol
BMW 1 Series 116d SE , 2019=2022, 5dr, diesel
Citroen C3 Aircross Rip Curl Blue HDi,2022- 5dr, diesel
Ford Focus ST-Line Vignale EcoBlue, 2022-, 5dr, diesel
Mazda CX 5 SE-L Nav , 2017-2018, 5dr, petrol
Mercedes Benz B Class B180 Sport Premium d, 2019-2020, 5dr, diesel
Nissan Qashqai N-Tec dCi 115, 2020-2021,5dr, petrol
Seat Leon SE Dynamic TDi 114, 2020-2022, 5dr, diesel
Toyota Prius 10th Anniversary, 2011-2012, 5dr, petrol, automatic
Volkswagen Polo Golf SV Match TSI EVO 130, 2018-2020, 5dr, petrol

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.

What is the insurance group 16 average cost?

The average cost of premiums doesn't only depend on the insurance group of the car, but on the driver's circumstances too. For example, if you’ve made a recent claim or you have points on your licence, you may be more likely to pay more than someone who hasn't – even for the same type of vehicle.

It will depend on other things too, like how many miles you drive a year and where you live.

But if it helps, 51% of our customers were quoted less than £743 for their comprehensive car insurance in June 2023. This is for cars in all groups – including some much higher groups.

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.

How can I check my car insurance group?

Use our handy car insurance group checker to see what insurance group your car is in, or to check out a car you’re interested in before you buy. This can help you compare the potential ongoing insurance costs for different models you’re considering.

To use the tool, you'll need to know the following:

  • Make and model
  • Year of registration where necessary
  • Number of doors
  • Fuel type
  • Transmission type.

But it's not just about what car you drive. There are many other factors that play into the price of your car insurance, including how long you’ve been driving, your job, how many miles you drive and where you live.

And it’s a good idea to shop around to find the best deal. Read our top tips for finding cheaper car insurance.

Go to car insurance group checker

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Frequently asked questions

Is 16e a high insurance group?

Group 16e is just on the border of the lowest third of groups and middle third. So, it is towards the cheaper end rather than the higher end of the scale.

Is group e insurance good?

It definitely has some advantages for the cost of your insurance premiums. Any vehicle in an insurance group with ‘e’ attached should usually have been in the group immediately above, but higher security standards have placed it into the lower group.

The reason it might have been in the higher insurance group could be that it has more expensive parts or costs more to repair, among other factors, which is a potential downside.

However, how much you pay will depend on your own circumstances.

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