What is Car Insurance Group 13?

Key takeaways

• Cars in insurance group 13 are generally quite affordable to insure, often having moderate engine sizes and good safety ratings. Premium costs can vary based on factors such as the driver’s age, driving history, and where they park overnight.

• Models in group 13 typically feature moderate engine sizes, reasonable repair costs, and good safety ratings.

• Group 13 includes popular models such as the Skoda Scala SE Technology TSi 110, Ford Focus ST-Line X-Style EcoBlue 115, Mazda 2 Hybrid Pure and Volkswagen Beetle TSi 105.

What is car insurance group 13?

Car insurance groups are how UK insurers classify vehicles to estimate their insurance costs. The group your car belongs to can significantly affect how much you pay for cover. Each car model is assigned to one of 50 groups, with group 1 being the cheapest to insure and group 50 the most expensive. These groups are set by the Group Rating Panel, made up of members from the Association of British Insurers (ABI) and the Lloyd’s Market Association, based on data from Thatcham Research, a leading authority on vehicle safety and repair.

Group ratings consider several factors that help insurers predict repair and replacement costs:

• Car value – More expensive cars generally cost more to insure.

• Repair costs – Cars that are cheaper and quicker to repair are rated lower.

• Parts prices – Readily available, low-cost parts help keep premiums down.

• Performance – High-powered, fast cars usually fall into higher groups.

• Safety technology – Features such as automatic braking or lane assist can lower the rating.

• Security – Alarms, immobilisers, and tracking devices reduce risk and may lower premiums.

• Claims data – Accident and repair statistics from Thatcham Research also influence group placement.

Vehicles in group 13 generally have moderately sized engines under 2.0 litres, and parts are often readily available contributing to reasonable repair costs. This makes them relatively affordable to insure compared to higher groups.

While group 13 cars are relatively affordable to insure, younger drivers or those with driving convictions might still face higher premiums. Opting for a car in a lower insurance group could potentially reduce insurance costs further.

Which cars are in car insurance group 13?

Here are some specific makes, models, trims and registration years of cars that are in insurance group 13.

Note: Insurance group ratings can vary based on specific model variants and configurations. It's advisable to verify the exact group rating for the specific model and trim you're interested in.

What’s the average insurance cost for a group 13 car?

According to Moneysupermarket data, the average annual cost of car insurance for a vehicle in insurance groups 11-20 is £486.41^{^} for comprehensive cover.

While a car’s insurance group influences your premium, several other factors also affect the cost of cover. Insurers take into account your age, driving experience, and claims history, with younger or less experienced drivers generally facing higher rates. Location is another key factor – living in urban areas with more traffic, higher accident rates, or greater vehicle crime can raise premiums. Other considerations, such as annual mileage, occupation, and the level of cover you choose, can further impact the final price.

Is a group 13 car cheap to insure?

Insurance premiums for cars in insurance group 13 are towards the lower end of the scale. Costs are higher than for groups 1–10 (an average of £425.82^{^} ) but cheaper than cars in higher groups. Average costs for cars in the 31-40 group are £656.59^{^} , for example.

Vehicles in group 13 typically feature moderate engine sizes, reasonable repair costs, and solid safety features, making them lower risk compared to higher groups. Consequently, they often attract more affordable premiums than higher-group vehicles.

Who is car insurance group 13 suitable for?

Car insurance group 13 is suitable for drivers looking for a balance between affordable insurance and practical performance. This includes first-time drivers who want a reliable car without high premiums, budget-conscious families seeking safe and spacious vehicles, and daily commuters who need a dependable, fuel-efficient car.

Eco-conscious drivers can also benefit, as many group 13 cars offer lower emissions and better fuel economy. Additionally, drivers who typically face higher premiums –such as young drivers or those with driving convictions – may be able to reduce their insurance costs by choosing a car in this moderate-risk group.

What does the ‘e’ mean in car insurance group 13e?

In car insurance group ratings, the ‘e’ in group 13e stands for “exceeds.” It indicates that the vehicle comes with additional safety or security features compared to the standard model in the same numeric group.

These enhancements – such as alarms, immobilisers, tracking devices, or advanced driver-assistance systems – can reduce the risk of theft or accidents. Generally speaking, cars in group 13e will be cheaper to insure than standard group 13 vehicles.

How can I check my car insurance group?

Use Moneysupermarket’s car insurance group checker tool.

How can I get cheaper insurance for my group 13 car?

There are several ways you can find cheaper insurance for your group 13 car. These include:

Build up your no-claims bonus

Limit annual mileage

Increase your voluntary excess

Add a named driver

Improve your car’s security

Pay premiums annually, not monthly

Park off-road or in a locked garage

You should always compare quotes from different insurers when buying car insurance.

You can compare car insurance with MoneySupermarket.

• Drivers can save up to £514^{^} by comparing quotes

• You can get a £15^{^} SuperSaveClub reward with your car insurance policy plus other benefits like Free Days Out