Every car registered in the UK is included in one of 50 insurance categories, running from one to 50. The easier a car is to repair, and the less rare, expensive or powerful it is, the lower the group it will be in. The lower the insurance group, the cheaper your car is to insure.
A car's grouping is based on multiple factors, including:
- How much it costs
- The cost to repair damage
- The cost of 23 common replacement parts
- How long it takes to repair
- The car's performance, including acceleration and top speed
- The safety and security features
A car in a higher insurance group will typically cost more to repair or replace, which is one reason why its premium will be relatively high. Insurance groupings are not the only reason for increased premiums, however: every driver's details and driving history are also a major deciding factor in the total cost of their insurance.
A car's age and value also affect how much you'll pay to insure it, along with any modifications you've made to its appearance or performance. If you're not sure which group your own car will fit into, you can use the MoneySuperMarket car insurance group checker tool.
Young drivers get a rough ride when it comes to car insurance premiums, with people aged 17 to 24 often paying hundreds more than older motorists. While there is good reason for this - youngsters are statistically more likely to be involved in a road accident, and the higher risk means higher premiums - there are ways to reduce the cost of cover.
One of those ways is to drive a sensible vehicle - smaller, less powerful cars are generally cheaper to insure as they're easier to drive. Below are the cars insured for the lowest premiums by drivers aged 17 to 19 and 20 to 24.
These are the average premiums for full UK licence holders aged 17 to 19 with no additional drivers on their policy. Data collected between January 2019 and January 2020, correct as of March 2020.
These are the average premiums for full UK licence holders aged 20 to 24 with no additional drivers on their policy. Data collected between January 2019 and January 2020, correct as of March 2020.