What is car insurance group 2?

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

• Popular models in group 2 include the Citroën C3 and Dacia Sandero

• 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 2?

Car insurance group 2 is the second-lowest car insurance category out of 50, encompassing vehicles that are considered safe, affordable and low-risk by insurers. While higher than group 1, these vehicles are still among the cheapest to insure.

But remember that insurers consider a number of factors before setting your premiums, not just your car’s insurance group.

Why are cars in group 2 cheap to insure?

Cars in this group, like the Hyundai i10, Ford Fiesta and Volkswagen Polo, tend to have low running and maintenance costs and reasonable purchase prices. They’ll also often have smaller engines and will be less likely to be involved in a road accident so their overall risk profile is relatively low.

Which cars are in insurance group 2?

The market is full of diverse models that belong to insurance group 2. Here's a snapshot:

• Citroën C3

• Dacia Sandero

• Fiat Panda 4x4

• Ford Fiesta hatchback

• Kia Picanto

• Nissan Pixo

• Seat Ibiza hatchback

• Skoda Fabia hatchback

• Smart Forfour

• Toyota Aygo

• Toyota Yaris

• Vauxhall Corsa hatchback

• Volkswagen Up

💡 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 free car insurance group checker to find out which group your car is in

Are cars in insurance group 2 good for young drivers?

Yes, cars in insurance group 2 are likely to make good options for young and inexperienced drivers who often face higher than average car insurance costs. Young drivers and those with convictions are seen as a high claim risk by insurers, so they often have to pay more.

Choosing a car in lower insurance groups with a smaller engine and affordable running costs can help bring insurance costs down.

What are car insurance groups?

Car insurance groups are categories that are used to sort various car makes, models and variants so insurers can better understand their risk profiles and appropriate insurance costs.

Numbering from 1 to 50, those in group 1 are often cheapest to insure owing to their low associated risks and costs, while cars at the opposite end of the scale (group 50) are typically the most expensive to insure as they are often high value or high-performance cars that are desirable to thieves and have more expensive parts.

How important are insurance groups to overall car insurance costs?

While car insurance groups are important, insurers consider a number of details about you before setting premiums.

For example, they’ll look at your:

• Age

• Postcode

• Job title

• Driving history and whether you’ve made any claims on car insurance policies in the past

These factors all contribute to your overall risk profile.

Your insurance costs will also depend on the type of cover you take out and the provider you choose - which is why it’s always good to shop around for a car insurance quote.

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?

When you’re buying a new car it’s a good idea to check which insurance group it’s 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.

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

Enter your registration number Or find your car by make and model

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Group 8/50

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1

50

This car is among the lower insurance groups which should be good news for your premium. Cars in lower groups are typically cheaper to insure.

This car ranks in the middle insurance groups so it isn’t among the cheapest cars to insure, but it won’t be one of the most expensive.

This car is towards the higher end of the scale which means it could be relatively expensive to insure.

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