Understanding Car Insurance Group 20
Key takeaways
Cars in insurance group 20 offer a balance of performance and reasonable insurance costs, ideal for drives who want modern features and affordability
Group 20e cars come with enhanced safety that can reduce insurance premiums, though their increased repair costs can counteract this
Other factors affect premiums too, such as your age and driving history, so it’s always worth comparing quotes to find the best deal possible

What cars are in insurance group 20?
Insurance group 20 includes several popular models that combine strong performance with affordable insurance premiums - including:
Ford Focus ST: Known for its sporty feel and reliable performance
Volkswagen Golf GTI: A favourite among drivers seeking a balance of power and practicality
Audi A3: A premium compact car with advanced features and a refined driving experience
Cars typically found in insurance group 20 often boast powerful engines, enhanced safety features and a higher level of comfort and technology compared to cars in lower groups.
What is insurance group 20e?
The ‘e’ in group 20e stands for exceeds expectations, meaning they have certain features that go beyond the standard group 20 criteria, helping reduce overall insurance premiums.
Cars qualifying for group 20e will usually have advanced security systems like immobilisers, alarms and trackers, as well as better safety features like lane assist or automatic emergency braking. As they pose a lower risk to insurers, cars in group 20e will usually be cheaper to insure.
Is insurance group 20e or 20 cheaper?
Cars in group 20e generally have slightly lower insurance costs compared to those in group 20, owing largely to their enhanced security and safety features. However the difference isn’t always dramatic - and increased repair costs related to more advanced features can also affect your premiums.
Who is group 20 suitable for?
Cars in group 20 are a great fit for experienced drivers looking for a balance of performance, comfort and affordability. They can be particularly suitable for commuters, often with fuel efficiency that makes them great for regular use, as well as budget-conscious enthusiasts.
While they may not offer the most cost-effective premiums for new drivers, those with clean records and bigger budgets can find a good mix of features and value.
Is group 20 high?
Group 20 is considered mid-range as far as car insurance group classifications go, more expensive to insure than those in lower groups like 10 or 15 but more affordable than those in groups 30 or 40.
Insuring cars in group 20 can mean relatively high premiums compared to lower groups thanks to their generally higher levels of performance, repair costs and risk of theft. However they still offer a reasonable choice for drivers wanting a balance between affordability and advanced functionality.
How significant are insurance groups in car insurance pricing?
Car insurance groups play a big role in determining your car insurance costs. Lower groups generally mean lower premiums, with cars in these groups generally cheaper to insure because they’re less risky, with smaller engines and affordable repairs. Cars in higher groups see higher costs due to things like increased performance and costs being seen as higher risks for insurers.