What Cars Are in Insurance Group 18
Key takeaways
Insurance group 18 includes cars like the Ford Focus Titanium X and the Volkswagen Golf GTI, balancing performance and affordability
Group 18e cars can have slightly lower premiums due to enhanced safety features that reduce their overall risk
Cars in this group are ideal for young professionals and families, as well as experienced drivers seeking safety, comfort, and moderate insurance costs

What cars are in insurance group 18
Car insurance group 18 includes a number of vehicles that offer a mix of performance and affordability, with popular models including:
Ford Focus Titanium X: A versatile and comfortable car with modern features
Volkswagen Golf GTI: Known for its sporty performance and reliability
Audi A3 S Line: A premium option with a refined design and advanced technology
Cars that fall into group 18 generally have higher-powered engines than lower-group cars, though not as high-risk as luxury or sports cars. They’ll also often have enhanced safety features and higher repair costs than those in lower groups.
What is insurance group 18e?
Car insurance group 18e is a subcategory within group 18 that indicates enhanced safety and security features, such as immobilisers, alarms and trackers or systems like lane assist and automatic emergency braking. As a result they often have lower insurance premiums compared to standard group 18 cars.
Is insurance group 18e or 18 cheaper?
Cars in insurance group 18e are usually slightly cheaper to insure than others in group 18, owing to their enhanced features. However, there are a number of other factors that affect your premiums, so it’s always good to compare quotes to ensure you find the best deal available.
Who is group 18 suitable for?
Insurance group 18 includes cars that would be ideal for young professionals, experienced drivers and regular commuters. These drivers will benefit from vehicles that are generally reliable, fuel-efficient and affordable while also offering reasonable performance and comfort.
Is group 18 high?
Group 18 is comfortably in the middle of the UK’s car insurance group scale, with cars in this group cheaper to insure than those in higher bands like 30 and 40, but more premium than those in groups 10 to 15.
Cars in group 18 can still be high performance, with higher repair costs and theft risk, though they are also often a practical choice for drivers that want more features and performance without steep insurance costs of higher groups.
How significant are insurance groups in car insurance pricing?
Your car’s make, model and insurance group plays a major role in determining your premiums, as the higher the insurance group the more you’re likely to pay. This is generally down to the increased risk cars in higher groups present to insurers, from bigger engines and high performance to higher repair costs and likelihood of theft.
However insurers consider a range of other factors too, such as your age, location, job and driving history. It’s always worth comparing quotes from different providers so you can find the best deal for the policy that covers everything you need.