What is car insurance group 15?

Key takeaways

• Cars in insurance group 15 are on the more affordable side of mid-range vehicles, ideal for budget-conscious drivers, young professionals and small families

• Cars in insurance group 15 share several common features, such as a medium engine size of 1.4 to 1.8 litres, standard safety features, low repair costs and low theft risk

• Group 15 includes models such as the Toyota Corolla, Ford Focus and Volkswagen Golf

What is car insurance group 15?

Car insurance group 15 sits in the lower half of the UK’s 1–50 insurance group scale, which helps insurers assess how expensive a vehicle is to cover. Group 1 cars are the cheapest to insure, while group 50 are the most costly.

These ratings are set by the Group Rating Panel. The panel made up of members from the Association of British Insurers (ABI) and the Lloyd’s Market Association – using data from Thatcham Research, an expert in vehicle safety and repair costs.

Cars in group 15 are generally considered low- to mid-range in terms of insurance costs. They have small to medium engines, decent safety features and comparatively low repair costs.

When determining a car’s insurance group, the Group Rating Panel and insurers consider several factors that reflect how expensive a vehicle may be to repair or replace. These include its value, since pricier cars usually cost more to insure, and repair costs and times, with cheaper or quicker repairs leading to lower ratings.

The cost and availability of parts, vehicle performance (such as speed and acceleration), and safety and security features like automatic braking, alarms, or trackers also play a role. Finally, claims and damage data from Thatcham Research help refine each vehicle’s overall risk rating.

Vehicles in group 15 typically feature moderately sized engines 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 high car insurance premiums. 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 15?

Here are some makes and models of cars in insurance group 15.

Insurers ask for your car registration number during the insurance quote process. They can then find the exact make and model of car you drive – you will be asked to confirm the details are correct.

What’s the average insurance cost for a group 15 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 affect how much you pay for car insurance. Insurers look at your age, driving experience, and claims history, with younger or less experienced drivers usually facing higher premiums. Location also matters, as areas with more accidents or vehicle crime tend to attract higher costs. The type of car you drive – engine size and value – influences how expensive it is to repair or replace. Other factors like annual mileage, occupation, level of cover, no-claims discount, and where the car is parked overnight can also impact the quoted premium.

Is a group 15 car cheap to insure?

Group 15 is not particularly high on the scale of car insurance groups, far closer to the cheaper end than the more expensive groups. Car insurance groups go up to 50, with those in group 1 being the least costly to insure and 50 being the most.

On the lower end of mid-range, cars in group 15 will generally offer drivers a balance of affordability, comfort, performance and features. Repair costs are relatively low with parts being readily available.

Who is car insurance group 15 suitable for?

We think cars in insurance group 15 will be suitable for a range of drivers that want to balance affordability with decent car performance and features. This can include young professionals and small families that need a reliable and economical car.

What does the ‘e’ mean in car insurance group 15e?

In car insurance group ratings, the letter ‘e’ after the group number means “exceeds” – showing that the vehicle has extra safety or security features beyond the standard version in the same group. These upgrades often include alarms, immobilisers, tracking systems, or advanced driver-assistance technologies that lower the risk of theft or accidents. As a result, a car in group 15e is generally cheaper to insure than a standard group 15 model.

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 15 car?

There are several ways you can find cheaper insurance for your group 15 or 15e 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