Understanding Car Insurance Group 14
Key takeaways
Car insurance group 14 is on the low side of mid-range vehicles, offering affordability without skimping too much on features and safety
Popular models in group 14 include the Ford Focus, Toyota Prius and VW Polo, offering a balance of performance and safety
Cars in group 14 will be suitable for a range of motorists, including young professionals and families, owing to reliability and moderate insurance costs
What cars are in insurance group 14?
Insurance group 14 includes a number of popular car models that offer a balance between features and affordability. They are ideal for drivers that want lower insurance premiums without sacrificing an enjoyable driving experience. For example:
Volkswagen Golf: A perennial favourite, the Golf combines reliability with class
Ford Focus: Known for sharp handling and practical design, the Focus remains a staple
Honda Civic: Favoured for its durability and cost-effective operation
Cars in this group typically share specific features that affect their insurance classification, such as a moderately sized engine, affordable repair costs and a range of safety features. Cars with smaller engines and better safety ratings generally fall into lower insurance groups, leading to cheaper insurance.
What is insurance group 14e?
Insurance group 14e refers to a specific category within group 14, usually including cars in this group that have extra safety or security features like alarms, trackers and immobilisers. These features can help reduce the risk of accidents and theft, which can bring down insurance costs, however some modifications can actually be harder to repair, having the opposite effect.
Is insurance group 14e or 14 cheaper?
Generally speaking, cars in group 14e should be cheaper to insure owing to their improved safety and security features that reduce the risk of the car being stolen or involved in an accident. Some car modifications can actually be more expensive or difficult to repair, so these may end up increasing your premiums.
It’s also worth noting that insurers take into account a number of other factors when deciding your premiums, such as your age, location and driving history. This is why it’s so important to compare quotes before buying cover.
Who is group 14 suitable for?
Cars found in insurance group 14 will be suitable for a wide array of motorists, as these vehicles generally offer a good balance of performance, features and affordability. For example, young professionals with regular commutes will be able to find comfortable cars with good fuel economy, and families will also be able to find reliable vehicles with strong safety features.
Is group 14 high?
Insurance group 14 is not a high group on the grand scale of things - car insurance groups start at 1, the cheapest to insure, and go up to 50, the most expensive. It’s on the lower end of mid-range, which means cars in this group will generally be quite affordable and cheaper to insure while still offering decent performance and safety.
For drivers with vehicles in group 14 looking to cut costs, you can volunteer a higher excess payment, install advanced security features and park your car securely off the street. Additionally, comparing quotes online is a quick and easy way to find the best deal on car insurance policies that meet your exact needs.
How significant are insurance groups in car insurance pricing?
The insurance group your car is in will impact your car insurance premiums as insurers consider this a key factor - your car insurance group indicates how much of a risk it will be to insurers. However, they’ll also consider a number of other factors, from your age and location to your driving and claims history and the type of cover you want to take out.
Quotes will vary between insurers too, so it’s always a good idea to compare quotes to ensure you’re getting the best available deal for the cover you need.