Car insurance group 10
Car insurance premium prices are affected by the car insurance group your car falls under. Cars in group 10 will have some of the lowest car insurance costs. Read on to find out why.
Key takeaways
All cars in the UK are categorised into groups from 1 to 50 – the lower the insurance group your car is in, the cheaper it is to insure
Cars in lower insurance groups numbers generally represent a lower risk in terms of repair costs, theft likelihood, and claim expenses
Other factors that influence car insurance premiums include your age, profession, driving history, location, car usage, and claims history
Insurance group 10 includes models such as the Audi A1, BMW 2-Series Gran Tourer, Citroen C1, and Volkswagen Polo
All cars are ranked and assigned an insurance group by Thatcham Research. Cars in group 1 will be the cheapest to insure, and 50 the most expensive. Cars in lower insurance groups are generally cheaper to insure, based on factors such as value, features and repair costs. Group 10 is at the cheaper end of the scale.
How do insurance groups affect car insurance premiums?
Car insurance groups determine how much you pay for car insurance, with lower groups being cheaper and higher groups being more expensive.
The following factors are taken into an account when deciding which group a particular make and model falls into:
Car value
Repair costs
Safety features
Performance
Cars that fall into lower insurance groups are usually less expensive to insure. This is because they are considered to pose a lower risk to insurers regarding the cost of insurance claims.
The Insurance Group Rating system is run by the Motor Insurance Repair Research Centre (Thatcham). The Group Rating Panel (members of Association of British Insurers' (ABI) and Lloyds Market Association (LMA) allocates groups based on Thatcham's research.
What else affects car insurance premiums?
Insurance companies take a range of factors into account when working out the cost of your premium.
You can usually save money by comparing car insurance quotes to find the cheapest deal.
When you generate a quote, the insurer will want to know your age, driving history, occupation, where you live, where you keep your car, and how you plan to use your car (e.g. for commuting or just for social/domestic use)
How many miles you drive in a year, security features and any no-claims bonus you have accrued will also affect your premium.
Find your car's insurance group
If you want to know which insurance group your car – or a car you are thinking of buying – belongs to, you can use our free car insurance group checker to find out.
Knowing a make and model’s insurance group can help you make informed decisions when buying a new car.
Which cars are in group 10?
Cars in insurance group 10 are typically small to medium in size, with reliable engines and parts that are easy and inexpensive to replace. Their lower risk profile makes them cheaper for insurers when it comes to claims.
Why are cars in group 10 the cheapest to insure?
Cars in insurance group 10 usually have engines that are less expensive to repair, and their smaller size often means they cause less damage in the event of an accident.
Additionally, the availability of parts and their overall lower risk of theft play a role in keeping insurance costs down.
What is insurance group 10e and insurance group 10u?
Where security has been rated, the insurance group number, from 1 to 50, is followed by a letter, which shows the results of the assessment.
An ‘e’ means the car exceeds the security requirement for a car of this type and the group rating has been reduced – so a group 11 car that exceeds the standard is listed as a 10e.
Cars with a ‘u’ suffix have a level of security that’s considered unacceptable for that model. The car won't be uninsurable, but some insurers may insist on a security upgrade before they will offer cover.
Are group 10 cars good for young drivers?
Young drivers often struggle to find affordable car insurance, so choosing a car in insurance group 10 is a good idea for a young driver.
These cars come with lower insurance costs, which can help reduce premiums for drivers who lack experience.
To save on car insurance, young drivers can also add a more experienced second driver to their policy, choose a telematics insurance, and try to build a no claims bonus as quickly as possible.
Which cars are in insurance group 10?
When it comes to popular group 10 cars, the list includes a variety of makes and models that appeal to different tastes and needs.
Cars in group 10 include:
Aixam Crossline
Audi A1 hatchback
BMW 2-Series Gran Tourer
Citroen C1
Fiat 500L Wagon
Ford Focus C-MAX
Jeep Renegade
Kia Picanto
Mercedes-Benz A-Class
Nissan Micra hatchback
Peugeot 1007
SEAT Leon hatchback
Suzuki Swift, and the
Volkswagen Polo hatchback
It’s worth noting that different models and specs of the same car may be in different insurance groups.
What insurance groups are electric/hybrid cars in?
The insurance group for an electric or hybrid car can vary, depending on the make and model.
Hybrid and electric cars are often placed in higher insurance groups due to their higher showroom prices, despite their lower running expenses.
To find out the insurance group for a particular car, you can enter the registration number into the car insurance group calculator.
What group would my classic car be in?
Classic cars are sometimes associated with lower insurance costs due to their limited use and secure storage conditions.
However, the insurance group for a classic car will be influenced by its rarity, age, make and model.
Rare classic cars might incur higher insurance premiums due to their value and the potential cost of repairs or replacement.
What group would my modified car be in?
Modifications can significantly alter the insurance group of a car. A modified car might see its insurance costs increase or decrease depending on the nature of the modifications.
Changes that enhance the car's value or performance will usually lead to a higher risk profile and, consequently, higher insurance premiums.
