Which car insurance group is my car in?
Which car insurance group is my car in?
Every car in the UK is allocated an insurance group to help insurers work out how much to charge you for cover. The groups start at 1 for the cheapest cover and goes to group 50 for the most expensive cover.
Put your car registration number into our group checker to see where your car sits.
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Your car
Your car insurance group
Group 8/50
This car is among the lower insurance groups which should be good news for your premium. Cars in lower groups are typically cheaper to insure.
This car ranks in the middle insurance groups so it isn’t among the cheapest cars to insure, but it won’t be one of the most expensive.
This car is towards the higher end of the scale which means it could be relatively expensive to insure.
What are car insurance groups?
The Association of British Insurers (ABI), a trade association, groups most makes and models of car by how risky they are to insurers. That means how likely those cars are to be claimed on and how expensive those insurance claims are. Insurance providers use these groups to inform their car insurance prices.
These insurance groups range from 1-50, where Group 1 includes the cheapest cars to insure and Group 50 includes the most expensive cars to insure.
Cars that are reliable, easy to repair, and have good security features are likely to fall into lower groups. Cars that are more powerful and more expensive to repair tend to fall into higher groups.
How are cars categorised into insurance groups?
The grouping of cars is based on data and research put together by Thatcham Research, a not-for-profit automotive risk intelligence organisation.
Some of the data points that Thatcham Research includes in its ratings are:
Cost
How much time and money it would take to repair the vehicle, including factors like how easily the parts can be sourced.
Price
How much a new version of the vehicle would cost, in the event the insurer had to replace it.
Performance
The top speed of the car and how fast it can accelerate, as well as how much it weighs.
Design
How complex and secure the car's systems are, and what safety equipment it includes.
What impact does insurance group have on car insurance prices?
The table shows the average prices by group:
Car insurance group | Average annual premiums |
|---|---|
1 to 10 | £425.82 |
11 to 20 | £486.41 |
21 to 30 | £536.76 |
31 to 40 | £656.59 |
41 to 50 | £812.90 |
What else will affect my premium?
Insurance companies take a range of factors into account when working out the cost of your premium. These include:
your age
your driving history
your occupation
where you live
where you keep your car
how you plan to use your car
how many miles you drive in a year
your car's security features
your no-claims bonus
Car insurance prices can vary a lot between providers. It's worth comparing multiple car insurance quotes to find the best deal for you.
More information on specific car insurance groups
Frequently asked questions
What does the E stand for in car insurance groups?
You'll notice some cars have an "E" against their group number. The "E" stands for:
"Exceeds" the security requirement for a car of that type, which results in a reduced group rating.
So, if a car that typically falls into group 5 exceeds the security requirement for that group, it'll appear as group 4E
Who is the cheapest car insurance?
The cheapest car insurance typically applies to cars in insurance group 1. Some examples of group 1 cars include the Citroën C1, Fiat Panda, Hyundai i10, and Volkswagen Fox.
What is the highest car insurance group in the UK?
The highest car insurance group in the UK is Group 50.
Author
Saarrah Mussa
Former Content Writer
Saarrah was a MoneySuperMarket's in-house pet insurance expert. With broad experience writing across insurance products Saarrah is acutely aware of the complexities and costs consumers have to face...
Reviewer
Beth Leslie
Senior Insurance Content Editor
Beth is an experienced writer and editor who specialises in financial and economic content. She is currently the Senior Insurance Content Editor for MoneySuperMarket. Beth is passionate about making...
