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Understanding Car Insurance Group 16

Saarrah Mussa
Written by  Saarrah Mussa
5 min read
Updated: 12 Dec 2024

Key takeaways

  • Cars in insurance group 16 offer a balance between affordability and features, ideal for drivers who value reasonable insurance costs and moderate performance

  • Examples of cars in group 15 include the Ford Focus and Honda Civic, offering decent engine power, safety features and manageable repair costs

  • Cars in group 16e will generally have enhanced safety and security features, which can mean they’re sometimes cheaper to insure

What cars are in insurance group 16?

Car insurance group 16 includes many popular car models that balance performance and affordability, with notable models including the Ford Focus, Volkswagen Golf and Honda Civic.

Cars in this group are usually defined by a moderate engine size, usually between 1.6 and 2.0 litres, offering decent but not excessive power. Repair costs are generally low too with parts often readily available. It makes these vehicles an appealing choice for drivers who prioritise affordability.

What is insurance group 16e?

Insurance group 16e is a specific category group 16, and vehicles in this group will generally have extra security features compared to the standard group 16. These typically include advanced alarm systems, immobilisers, and other theft-deterrent measures, but can also mean other modifications that could increase repair costs.

Is insurance group 16e or 16 cheaper?

Generally speaking you’ll find that cars in group 16e are cheaper to insure owing to their safety and security features reducing the overall risk of theft or damage from an accident. However, some modifications may actually increase premiums as a result of higher repair costs - that being said, insurers consider a range of other factors when deciding on premiums, so it’s always worth comparing your options.

Who is group 16 suitable for?

Car insurance group 16 offers a number of vehicles that would be a good pick for budget-conscious drivers, young professionals and families. These drivers are likely to value affordable cars with a few advanced features or specifications that add performance and comfort.

Is group 16 high?

Group 16 is not a particularly high insurance group - it’s more on the lower side of mid-range, balancing moderate performance with affordability. You’re likely to see reasonable premiums when insuring cars in group 16, far cheaper than those in higher groups like 30-50 but not as cheap as those in groups 1-10.

You might be able to reduce your insurance costs for cars in group 16 by doing things like building a no-claims discount, paying a higher voluntary excess and using secure parking if possible. It’s always a good idea to compare your options to make sure you’re getting the best deal.

How significant are insurance groups in car insurance pricing?

Car insurance groupings are a major factor in deciding insurance premiums for providers, reflecting a vehicle’s repair costs, power and performance, and safety ratings. However, insurers also consider things like your age, location and driving history when pricing your car insurance policy, so it’s worth comparing quotes from different providers.

When you compare deals with MoneySuperMarket, you’ll be able to rank deals by the overall cost, level of cover you get and the excess payment required to make a claim. Once you’ve found the deal you want, just click through to buy your policy.

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