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Car Insurance Group 3

published: 01 January 2022
Read time: 5 minutes

Choosing a car in a lower insurance group will cut your costs.

Car Insurance Group 3 – All you need to know.

One way of cutting your costs is by picking a car in a low insurance group, such as one in group 3. 

Insurers put cars into car insurance groups, from 1 to 50, based on how much they cost, the size of their engine, and how much repairs are.  

Car insurance group 3 average prices are around £579 per year, according to MoneySuperMarket data.  

Of course, this isn’t the only area insurers look at when calculating a premium, as your age, postcode, driving experience, and even your profession can all affect the price you pay for car insurance. However, choosing a cheaper car – such as one in group 3 – could be a way of cutting your costs.  

Check what car your group is in using our car insurance group checker tool.

Row of different cars parked on street

Which cars are in car insurance group 3?

Insurers tend to put cars in lower-down groups that are cheap to buy, run, and repair. This is because ultimately these cars will be cheaper for insurers if they have to pay out a claim. 

While it completely depends on the model and make of car, on the whole it’s smaller and cheaper cars that will be in group 3. You’re not likely to find a top-of-the-range sports car in it, for example.  

Why are cars in group 3 the cheapest?

If you’re about to buy a car, one in a low group – such as group 3 – will be one of the cheapest to insure. That’s because these groups are considered to be a lower risk for insurers.  

Are group 3 cars a good option for young drivers?

Young drivers face the highest average cost of any drivers. That’s because statistically they are more likely to be involved in an accident. Choosing a cheaper car to insure, such as one in group 3, is one way these drivers can cut costs. There are lots of other ways to cut costs, as listed in our guide for young drivers. 

Although, it’s not just young drivers – anyone looking to buy a car may be able to cut their insurance bill by picking a car in insurance group 3.  

Cars in group 3 include:

Car insurance group 3 cars include the following, but to check what group your car is likely to be in see our free car insurance group checker tool.  

Chevrolet Spark 

Citroën C1 

Dacia Sandero 

Dacia Logan MCV 

Fiat Fiorino 

Fiat Qubo 

Ford Fiesta 

Hyundai 10 Hatchback 

Kia Rio 

Peugeot 107 

Peugeot Partner Tepee 

Renault Clio Hatchback 

Seat Ibiza Sport Coupe 

Toyota Aygo 

What group would my electric/hybrid car be in?

Electric cars are generally some of the most expensive to buy, even though their running costs are low. For this reason, it’s more likely you’ll find them in a higher car insurance group. Although it depends on the make and model.  

What group would my classic car be in?

Most people buy classic cars for occasional use, and not for the daily commute. This means their insurance premiums are usually slightly cheaper, although the price depends on lots of different factors.  

What group would my modified car be in?

The only way to find out what insurance group a car is in is to check. We have free insurance group checker and this will give you some indication of the cost you’re likely to pay. Modified cars tend to be more expensive but it depends on what modifications have been made.  

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