Understanding Car Insurance Group 13
Key takeaways
Cars in insurance group 13 are generally quite affordable to insure, often having moderate engine sizes and good safety ratings
These cars will be ideal for young professionals and small families that need something comfortable, reliable and safe
Cars in group 13e often have enhanced safety and security features that can bring premium costs down further
What cars are in insurance group 13?
Insurance group 13 includes a wide range of car makes and models that offer a balance between affordability, comfort and safety. They generally have moderately sized engines under 2.0 litres, and parts are often readily available contributing to reasonable repair costs. Examples include:
Ford Focus: Noted for its reliability and fuel efficiency
Volkswagen Golf: Known for its comfortable ride and strong resale value
Honda Civic: Valued for its build quality and engine efficiency
What is insurance group 13e?
Car insurance group 13e is a category within the overall group 13, and it refers to cars that have enhanced safety and security features that distinguish them from standard group 13 cars. For example, this could mean cars in group 13e have immobilisers or braking systems, factors that can affect the overall safety of a car, but also its repair costs and therefore the cost of insuring it.
Is insurance group 13e or 13 cheaper?
Generally speaking, cars in group 13e will be cheaper to insure than standard group 13 vehicles, owing to their enhanced safety and security features. These will reduce the risk of accidents and theft, meaning insurers will charge less to cover them.
However, cars in this group may have some modifications that increase total repair costs of the car, which could then bring your premiums up. It’s worth noting that insurers consider a number of other factors when deciding premiums, so it’s always good to compare your options to ensure you get a good deal with adequate cover.
Who is group 13 suitable for?
Cars in group 13 will generally be quite affordable to maintain and insure, which means they’re likely to attract a wide range of drivers. We’d recommend cars in group 13 for young professionals who need a comfortable and economical vehicle for commuting, as well as small families that depend on safety and reliability.
Is group 13 high?
Group 13 is not a particularly high insurance group, so you’ll find that insurance costs will generally be quite affordable for these cars. Insurance groups range from 1 to 50, with 1 being the lowest, so cars in this group are often cheapest to insure. Cars higher groups are often more valuable or powerful, with a greater risk of being involved in an accident or theft, therefore insurers charge more to cover these vehicles.
How significant are insurance groups in car insurance pricing?
The car you drive and the insurance group it’s in serves as a pretty significant influencing factor for insurers when they decide your premiums. The group your car is in will indicate its repair costs, safety features and potential of being involved in thefts or accidents, which help insurers assess its overall risk.
However, insurers also consider a number of other details - they’ll look at your age and experience on the road, your driving and claims history, and your location. It also matters which type of policy you take out - and remember, quotes will vary between insurers too, so it’s always worth comparing your options.