Car insurance group 2
Cars in insurance group 2 are likely to be the cheapest makes and models to insure, so it’s a good place to start if you’re looking for affordable cover. But insurance providers consider other factors too - learn more about car insurance group 2 and what it could mean for your premiums.
Key Takeaways
Cars in insurance group 2 are some of the cheapest to insure, as these vehicles are generally cheaper to buy and maintain and a low risk of theft or accidents
Popular models in group 2 include the Citroen C3, Dacia Sandero and the Fiat 500 C, offering affordability without compromising quality
Group 2 cars can be a good pick for young or inexperienced drivers and those with a history of convictions that want to lower the cost of cover
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 of any to insure - however remember insurers consider a number of factors before setting your premiums.
Why are cars in group 2 the cheapest to insure?
Cars in this group, like the Hyundai i10, Ford Fiesta and Volkswagen Polo, tend to have small to 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 or theft - so their overall risk profile is relatively low.
What cars are in insurance group 2?
The market is full of diverse models that belong to insurance Group 2. Here's a snapshot of cars that combine style, efficiency, and affordability:
Citroën C3
Dacia Sandero
Fiat 500 C
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
Each of these models are known for its lower speeds and cheaper repair costs, which play a significant role in their Group 2 classification.
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 to make up for this perceived risk.
Choosing a car in lower insurance groups with a smaller engine and affordable running costs can help bring insurance costs down.
What group will my electric/hybrid car be in?
Hybrid and electric cars are seeing a surge in popularity, and as they are becoming more commonplace insurance costs are starting to fall. However, these cars can still have higher than average repair costs owing to parts being rarer or harder to source.
It will vary across makes, models and variants but generally speaking you’ll find electric and hybrid cars are in higher insurance groups than group 2.
What group will my classic car be in?
Classic cars can vary hugely when it comes to insurance groups and costs, as it will depend more on the make and model rather than just the age of the car alone. It’s recommended you research into the specific classic car you want to insure to better understand its group and possible costs you might face.
What group will my modified car be in?
Modified cars will generally be more expensive to insure than those that are in factory condition, as modifications will more often than not increase repair costs and possibly even the likelihood of theft. However, some modifications may actually lower insurance costs by increasing the vehicle’s overall safety and security.
It’s best to discuss your vehicle and any modifications with your insurer to get an idea of how it will affect your premiums.
Understanding car insurance groups
Car insurance groups are used to sort cars into different categories from 1 to 50 based on factors like the car’s value, performance and features and overall repair costs.
These help insurers understand the risk of insuring different car makes and models so they can set their insurance premiums accordingly. Cars in group 1-10 are generally the cheapest to cover, while those in higher groups get more expensive.
How important are insurance groups to overall car insurance costs?
Insurance groups are an important detail for insurers to consider when setting premiums, but they aren’t the only factor. Insurers also take into account things like your age, location, occupation and driving history to better understand your overall risk profile and set your insurance premiums accordingly.
What insurance group is my car in?
If you're curious about where your car falls on this scale, you can quickly find out what insurance group a car is in with our free car insurance group checker.
