What is car insurance group 14?

If your car went on sale in the UK from 1 August 2024 and is part of a brand new model range, then it will be assessed under a new insurance rating system. ➡️ Find out more.

Key takeaways

• Cars are sorted into insurance groups from 1 to 50, with 1 being the cheapest to insure and 50 the most expensive, based on factors like new car value, engine size, and repair costs.

• Group 14 includes a variety of popular models such as the Skoda Octavia, Mercedes-Benz A-Class and Renault Kadjar.

• Insurers consider a range of factors when setting premiums, not just what group a car is in, so it’s always good to compare your options.

What is car insurance group 14?

Car insurance group 14 sits within the UK’s 1–50 insurance group scale, which helps insurers estimate how costly a vehicle is to cover. The group a car belongs to can have a big impact on premium prices, with group 1 cars being the cheapest to insure and group 50 the most expensive.

Cars in group 14 are generally considered low- to mid-range in terms of insurance cost. They tend to offer a balance of performance, safety, and affordability.

Vehicles in group 14 typically feature moderately sized engines under 2.0 litres and use readily available parts, helping to keep repair and maintenance costs reasonable. As a result, they’re generally affordable to insure compared to vehicles in higher insurance groups.

Which cars are in car insurance group 14?

Here are some specific makes and models of cars that are in insurance group 14.

When you apply for car insurance, providing your vehicle registration number allows the insurer to automatically access all key details about your car – including its make, model, engine size, and insurance group – ensuring an accurate quote.

How are cars assigned to insurance groups?

The group rating system is run by Thatcham Research, a not-for-profit automotive risk intelligence organisation. It sets the requirements for the groups, tests vehicles, and collects all the data to see which group each car fits into.

Factors that are used to help calculate a car’s insurance group include:

• Car value – pricier cars usually cost more to insure

• Repair costs – cheaper, quicker repairs mean lower ratings

• Parts prices – easily available, low-cost parts reduce premiums

• Performance – faster, high-powered cars fall into higher groups

• Safety technology – features like automatic braking or lane assist can lower the rating.

• Security features – alarms, immobilisers, and trackers help reduce risk

💡 Top tip: The trim level of your car and its engine size affect which group your car is in so different versions of the same car model can sit in different groups. Use our our free car insurance group checker to find out which group your car is in

What’s the average insurance cost for a group 14 car?

According to MoneySuperMarket data, the average annual cost of car insurance for a vehicle in insurance groups 11-20 is £499.99^{^} for comprehensive cover.

While a car’s insurance group affects how much you’ll pay for cover, other factors also play a major role in calculating your final premium, including:

• Your age, driving experience, and claims history, as younger or less experienced drivers typically face higher costs

• Your postcode as living in an area with higher traffic, accident rates, or vehicle crime can increase premiums.

• Your annual mileage

• Your job title

• The type of cover you take out

Is a group 14 car cheap to insure?

Insurance premiums for cars in insurance group 14 are towards the lower end of the scale which runs from group 1 to group 50. Costs are higher than for groups 1–10 (an average of £427.43^{^} ) but cheaper than cars in higher groups such as groups 21 upwards.

Cars in insurance group 14 typically sit in the low-to-mid range for insurance costs, offering a good balance between performance, comfort, and affordability. These vehicles often feature moderately sized engines (usually between 1.4 and 2.0 litres) that deliver solid performance without being overly powerful. They usually come equipped with modern safety and security features, such as ABS, stability control, and alarms, which help keep premiums reasonable.

Repair and parts costs are generally moderate, as many group 14 cars are mainstream models with easily available components.

Who is car insurance group 14 suitable for?

Cars found in insurance group 14 will be suitable for a wide array of motorists, as these vehicles generally offer a good balance of performance, features and affordability. For example, young professionals with regular commutes will be able to find comfortable cars with good fuel economy, and families will also be able to find reliable vehicles with strong safety features.

Choosing a car in group 14 can help keep costs lower than higher-performance models, offering a good blend of value, safety, and dependability.

What does the ‘E’ mean in car insurance group 14E?

In car insurance group ratings, the ‘E’ after the group number 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 are usually things such as alarms, immobilisers, tracking devices, or advanced driver-assistance systems. These features can reduce the risk of theft or accidents. In general, cars in group 14E will be cheaper to insure than standard group 14 vehicles.

Which car insurance group will my hybrid or electric car be in?

Hybrid and electric cars are rated in the same way as petrol and diesel models so you’ll find electric and hybrid cars throughout the different groups.

Some small electric cars that are in the lower insurance groups include:

• The Volkswagen e-up is in group 10

• The Smart EQ forfour is in groups 9-11, depending on the version

However, electric cars can be more expensive to repair than petrol and diesel cars, and more likely to be written off if the battery is damaged in an accident, which can push up electric car insurance costs.

See our Electric Car Insurance Index to find out the top 10 cheapest and most expensive electric cars to insure.

📣 Did you know? Electric vehicles are about 25% more expensive to repair than equivalent petrol and diesel models and their repair times can be 14% longer, according to Thatcham Research.

Which car insurance group will my classic car be in?

Classic car group ratings can vary hugely depending on the make, model and variant, as different cars will have different values, accident and theft risks and repair costs. You should look into your specific model to understand what insurance costs might look like.

Which car insurance group will my modified car be in?

Some modifications can increase the risk of theft or cost of repairs, while others can improve your car’s safety and security and therefore bring down costs. Some insurers might even request that you upgrade a car’s features before they will insure it - these cars, whichever group they’re in, will have a ‘U’ rating alongside their group number.

Do car insurance groups change over time?

No, the group rating system gives each car a score at launch that never changes. However, the new vehicle risk rating system is different as the scores update regularly to reflect changing market conditions.

Which car insurance group is my car in?

You can quickly find out what insurance group a car is in with our free car insurance group checker.

When you’re buying a new car it’s a good idea to check which insurance group it’s in in case the version you’re interested in falls into a higher group than a lower specification model and could therefore have a higher insurance cost.

How can I get cheaper insurance for my group 14 car?

There are several ways you can find cheaper insurance for your group 14 or 14E car. These include:

• Pay premiums annually, not monthly

• Add a named driver

• Build up your no-claims bonus

• Limit annual mileage

• Increase your voluntary excess

• Improve your car’s security

• Park off-road or in a locked garage

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