What is car insurance group 20?

Key takeaways 

• Insurance group 20 sits in the mid-to-upper range of the UK car insurance group scale, which runs from 1 (cheapest to insure) to 50 (most expensive).  

• Cars in group 20 typically combine moderate-to-strong performance with higher repair or replacement costs compared to lower-group vehicles.  

• Group 20 includes models such as the Ford Focus ST, Volkswagen Golf GTI and Audi A3.  

What is car insurance group 20? 

Car insurance group 20 falls in the middle range of the UK’s 1–50 insurance group scale. Cars in group 1 are the cheapest to insure, while those in group 50 are the most expensive. 

Insurance group ratings are set by the Group Rating Panel. This is made up of members from the Association of British Insurers (ABI) and the Lloyd’s Market Association.

It uses data from Thatcham Research, which specialises in vehicle safety and repair costs. 

When determining a car’s insurance group, the panel considers various factors that affect how expensive the vehicle might be to repair or replace.

These include the car’s market value (with higher-priced models generally attracting higher premiums), repair costs and times, the availability and cost of parts, and performance aspects such as speed and acceleration.

Safety and security features, including automatic braking, alarms, and trackers, are also taken into account. Data on claims and damage from Thatcham Research helps assess the car’s overall risk. 

Regardless of a vehicle’s insurance group, premiums are typically higher for younger or less experienced drivers, as well as for those with a history of claims or driving convictions. 

Which cars are in car insurance group 20? 

Here are some makes and models of cars in insurance group 20. 

 Insurers can identify your car’s make and model using its registration number. When obtaining a quote, you’ll need to verify the details and disclose any modifications.

Any changes or upgrades to the vehicle could result in higher insurance premiums. 

What’s the average insurance cost for a group 20 car? 

According to Moneysupermarket data, the average annual cost of car insurance for a vehicle in insurance groups 11-20 is £473.75 for comprehensive cover.

Cars in the next group up (21-30) attract an average annual premium of £536.35 for comprehensive cover. 

Your car’s make, model, and insurance group play a major role in determining your premiums. Vehicles in mid-groups like group 20 generally cost more to insure than vehicles in lower groups because they often present a greater risk to insurers.

This might be due to more powerful engines, higher performance, increased repair costs, or a higher likelihood of theft. 

Insurers also consider other personal factors such as your age, location, occupation, and driving history when quoting premiums.

Comparing quotes from multiple providers is always a good idea, as it helps you find a policy that offers the coverage you need at the best possible price. 

Is a group 20 car expensive to insure?  

A car in insurance group 20 is generally considered moderately priced to insure in the UK. While it's more expensive than vehicles in lower groups (1–10), it's more affordable than those in higher groups (21–50).

This makes it a practical choice for drivers seeking a balance between performance and insurance costs. 

Who is car insurance group 20 suitable for?  

Cars in group 20 are a great fit for experienced drivers looking for a balance of performance, comfort and affordability.

They can be particularly suitable for commuters, often with fuel efficiency that makes them great for regular use, as well as budget-conscious enthusiasts. 

While they may not offer the most cost-effective premiums for new drivers, those with clean records and bigger budgets can find a good mix of features and value. 

What does the ‘e’ mean in car insurance group 20e?  

In car insurance group ratings, the letter “e” stands for “exceeds.” It indicates that the vehicle has better safety or security features than the standard model in the same insurance group.

Cars in a “20e” sub-group typically cost less to insure than cars in the main group 20. 

These additional features – such as alarms, immobilisers, trackers, or advanced driver-assistance systems – help reduce the risk of theft or accidents.

The difference in insurance premiums between group 20 and 20e can vary depending on factors specific to each car, including its security equipment or any modifications. 

How can I check my car insurance group?  

Use Moneysupermarket’s car insurance group checker tool to check which insurance group your car belongs to.

How can I get cheaper insurance for my group 20 car? 

There are several ways you can find cheaper insurance for your group 20 or 20e 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.

Comparing car insurance with MoneySuperMarket

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