Car insurance group 12 - everything you need to know
We help you understand what vehicles are in insurance group category 12 and who these cars might appeal to in this guide.
Key points
Car insurance group 12 offers a balance between performance and affordability, making it a popular choice for various drivers due to cheaper repair costs and reasonable safety features
Vehicles in group 12 attract moderately priced insurance premiums as they are considered lower risk compared to higher groups, with costs influenced by factors like the driver's age, driving history, and location
Group 12 includes popular models like Volkswagen Golf and Ford Focus, suitable for a range of drivers including first-time buyers and budget-conscious families
Car insurance group 12
Car insurance groups are a method insurers use to categorise vehicles and whichever group you're in can impact your car insurance premiums.
Insurers consider factors like repair costs, safety features, and theft risk. This helps them determine cover charges. Group 12 cars strike a balance between performance and affordability, making them a popular choice among various drivers.
This group typically feature vehicles with moderate repair costs and reasonable safety features. Consequently, their insurance cost is fairly priced.
Car insurance group 12 is determined by several key factors, including the vehicle's value, cost of parts, average repair time, and safety features.
Cars in this group offer a balance of performance and safety, leading to cheaper insurance costs.This is because these cars are considered lower risk compared to those in higher groups, which often include high-performance or luxury vehicles.
However, the exact cost can vary depending on factors like the driver's age, driving history, and location.
Is group 12 car insurance high or low?
Group 12 is considered a middle-range insurance group. This classification means it does not attract the highest premiums, like those in groups 50 or above. Nor does it benefit from the lowest premiums associated with groups 1 to 5.
Which cars are in car insurance group 12?
Car insurance group 12 features a range of popular models. These cars offer a good balance between performance and affordability. Below are examples of cars typically found in this group:
Volkswagen Golf: Renowned for its reliability and robust construction, this model is popular among families and young professionals
Ford Focus: Known for its comfortable ride and fuel efficiency, it is ideal for daily use
Vauxhall Astra: Combines a spacious interior with smooth handling, suitable for those requiring extra space
Nissan Juke: Notable for its unique styling and robust performance, it excels in the urban crossover category
Hyundai i30: Valued for its comprehensive safety features and low maintenance costs
Factors influencing their placement in car insurance group 12 include:
Moderate engine size: These cars have engines that provide comfortable driving without high insurance costs
Safety features: Equipped with advanced safety technologies, these cars may have lower insurance premiums
Cost of repairs: Generally, these models are more economical to repair, affecting their insurance grouping
Popularity: The availability of parts and servicing for these popular models helps reduce insurance costs
How much is group 12 insurance?
Typically, car insurance policies for group 12 vehicles are moderately priced. This makes them a feasible option for many drivers. The average cost can vary significantly, depending on factors such as the driver's history and choice of vehicle.
The location where the vehicle is kept and the level of coverage selected also play into the cost of your premiums. Each of these factors can either increase or decrease the premiums. It's important for car owners to consider this when comparing insurance.
Who are cars in this category suitable for?
Group 12 cars cater to a diverse range of drivers, each with unique needs and preferences. Understanding who might benefit most from these vehicles can help you decide if a group 12 car is the right choice for you.
First-time car buyers: If you're new to car ownership, group 12 cars are an excellent choice. They balance cost-effectiveness with essential features, making them ideal for new drivers
Budget-conscious families: For families managing finances without sacrificing safety, group 12 cars are sensible. They offer ample space and safety features at a reasonable insurance cost
Commuters seeking reliability: If you drive significantly daily, you need a dependable car. Cars in insurance group 12 are known for their reliability and moderate fuel consumption, ideal for regular commuters
Eco-conscious drivers: Many group 12 cars have lower emissions and better fuel efficiency. If reducing your carbon footprint is a goal, this group provides several environmentally friendly options
City dwellers: Living in the city involves navigating traffic and tight parking spaces. Group 12 cars are compact enough for urban environments yet comfortable for longer journeys
Each profile highlights why certain drivers might find cars in group 12 appealing. Whether it's affordability, reliability, or eco-friendliness, these vehicles meet a broad spectrum of needs and preferences.
