Car Insurance Group 3
Choosing a car in a lower insurance group will cut your costs.
Key takeaways
Insurers categorise cars into groups from 1 to 50, with 1 the cheapest to insure and 50 the most expensive, based on factors like cost, engine size, and repair costs
Cars in group 3 are usually affordable to buy, run, and repair, making them less expensive for insurers to cover
Examples of group 3 insurance cars include the Chevrolet Spark, Citroën C1, Dacia Sandero, Ford Fiesta, and Toyota Aygo
Are you 17, a newly qualified driver or battling the cost of insuring a powerful or expensive car? Here’s why a group 3 car could change all that…
How do car insurance groups change my premiums?
Insurers put cars into car insurance groups, from 1 to 50, based on how much they cost, the size of their engine, and how much repairs are. If an insurer has to pay out on a claim, the cost of that claim will probably be lower, which is reflected in the price of your premiums.
In fact, while an annual comprehensive car insurance policy on a group 41-50 vehicle could set you back an average of more than £985, a group 1-10 vehicle could reduce average costs to a little over £472[1]
Of course, this isn’t the only area insurers look at when calculating a premium, as your age, postcode, driving experience, and even your profession can all affect the price you pay for car insurance. However, choosing a cheaper car – such as one in group 3 – could be a way of dramatically cutting your costs.
Check what car your group is in using our car insurance group checker tool.
Which cars are in car insurance group 3?
While it completely depends on the model and make of car, on the whole group 3 cars are smaller and cheaper. So no, you probably won’t find a top-of-the-range sports car in it, for example.
Cars in group 3 include:
Car insurance group 3 cars include the following, but to check what group your car is likely to be in see our free car insurance group checker tool.
Chevrolet Spark
Citroën C1
Dacia Sandero
Dacia Logan MCV
Fiat Fiorino
Fiat Qubo
Ford Fiesta
Hyundai 10 Hatchback
Kia Rio
Peugeot 107
Peugeot Partner Tepee
Renault Clio Hatchback
Seat Ibiza Sport Coupe
Toyota Aygo
Why are cars in group 3 cheaper?
If you’re about to buy a car, one in a low group – such as group 3 – will be one of the cheapest to insure. That’s because these groups are considered to be a lower risk for insurers.
What are group 3e cars?
You might see letters after group numbers. These give a bit more information about the vehicle, usually whether the safety or security of the car is better or worse than usual for that make and model. A group 3e car, for example, is a popular choice because it indicates the vehicle’s security requirement is exceeded (hence the ‘e’), which is good news for the insurer and therefore for your car insurance costs.
At the other end of the scale, a ‘u’ label means the vehicle’s security level is unacceptable, making it more likely to be stolen and a ‘d’ label means the safety requirement hasn’t been met. These letters, for example, would make the vehicle more expensive than normal to insure, if at all.
Are group 3 cars good for 17 year olds?
Young drivers face the highest average cost of any drivers. That’s because statistically they are more likely to be involved in an accident. Choosing a cheaper car to insure, such as one in group 3, is one way these drivers, and anyone else - can cut costs. There are lots of other ways to cut costs if you’re a 17-19 year old driver too though, check out our guide to comparing car insurance for teenagers.
Although it’s not just young drivers – anyone looking to buy a car may be able to cut their insurance bill by picking a car in insurance group 3.
What group would my electric/hybrid car be in?
Electric cars are generally some of the most expensive to buy, even though their running and repair costs are low. For this reason, it’s more likely you’ll find them in a higher car insurance group, although it depends on the make and model.
What group would my classic car be in?
Most people buy classic cars for occasional use, and not for the daily commute. This means their insurance premiums are usually slightly cheaper, although the price depends on lots of different factors.
What group would my modified car be in?
Modified cars tend to be more expensive but it depends on what modifications have been made. The only way to find out what insurance group a car is in is to check. Our free insurance group checker will give you some indication of the cost you’re likely to pay.
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