What is car insurance group 14?

Key takeaways

• Cars in insurance group 14 offer affordability without skimping too much on features and safety

• Models in group 14 tend to have moderate engine performance, good safety and security features, and reasonable repair costs.

• Group 14 includes models such as the Skoda Octavia S TSi (2015–2017), Mercedes A-Class A160 AMG Line (2016–2018) and Renault Kadjar 1.5 dCi Expression+

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.

These classifications are determined by the Group Rating Panel, made up of members from the Association of British Insurers (ABI) and the Lloyd’s Market Association. The panel uses data from Thatcham Research, a leading authority on vehicle safety and repair.

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.

When setting a car’s insurance group rating, insurers and the Group Rating Panel assess several key factors that indicate how costly a vehicle might be to repair or replace. These include:

• Vehicle value – Higher-priced cars usually cost more to insure.

• Repair costs and times – Cars that are quicker and cheaper to repair are placed in lower groups.

• Parts prices – The availability and cost of replacement parts affect the rating.

• Performance – Vehicles with higher top speeds or faster acceleration are seen as higher risk.

• Safety technology – Features like autonomous emergency braking or lane assist can reduce accident risk and improve the rating.

• Security features – Alarms, immobilisers, and trackers lower the likelihood of theft and may reduce the rating.

• Claims and damage data – Data from Thatcham Research on accident repairs and claims history also influences a vehicle’s group.

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.

Drivers with little experience, or those with several previous insurance claims, typically face higher premiums, but choosing a car in a lower insurance group allows them to save some money on their car insurance.

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.

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 £486.37^{^} for comprehensive cover.

Several factors influence how much an individual pays for car insurance. Insurers consider your age, driving experience, and claims history, as younger or less experienced drivers usually face higher premiums. Your location also plays a role, as living in an area with higher accident rates or vehicle crime can increase costs.

The type of car you drive – including its insurance group, engine size, and value – affects how expensive it is to repair or replace. Other elements such as your annual mileage, occupation, level of cover, no-claims discount, and even where you park your car overnight can all impact the final price of your premium.

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 £425.75^{^} ) 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’ in 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.

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 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.

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