Car Insurance Group 4

Key Takeaways

• Cars in insurance group 4, like the Chevrolet Spark, Citroen C1, and Dacia Sandero, are some of the cheapest to find cover for

• These cars are generally smaller, lighter and easier to drive, making them on average less expensive to insure

• Remember, insurers consider a range of factors when setting premiums, so it’s always good to compare your options

What is car insurance group 4?

Car insurance group 4 is one of the lowest insurance groups of all, meaning cars in this group are likely to be some of the most affordable to buy, maintain and cover. This is largely down to factors like the car’s engine size and repair costs, making them good options for drivers that want to keep insurance costs down.

What is car insurance group 4e?

Cars that have been placed in group 4e generally exceed expectations or requirements for cars in their group, so they’ve been placed in a lower group than normal.

Why are cars in group 4 the cheapest to insure?

Car insurers sort vehicles into groups based on factors related to their insurance risk, so cars in lower groups like 4 are generally seen to be at a lower risk of being involved in an accident. This is down to their smaller engines, easier handling and the low cost of maintenance and repairs reducing their claim risks, therefore meaning lower insurance costs.

What cars are in insurance group 4?

You’ll find a number of popular car makes and models are categorised into insurance group 4, including:

• Citroen C1

• Dacia Sandero Hatchback

• Fiat Panda

• Ford Ka

• Kia Picanto

• Nissan Micra Hatchback

• Renault Clio Hatchback

Are cars in insurance group 4 good for young drivers?

Cars in insurance group 4 can be an excellent option for young drivers, their low insurance costs and easy handling ideal for new motorists that often face high premiums. Cars that are sorted into lower groups often have smaller engines and and easier to repair, making them less of a risk for insurers.

What group will my electric/hybrid car be in?

You will generally find electric and hybrid cars are sorted into higher insurance groups, although this is starting to change as the technology becomes more widespread and familiar. The make and model of car will have a huge bearing on its categorisation, so it’s worth looking into quotes from different providers to get the best deal.

What group will my classic car be in?

Classic car insurance groups will depend heavily on the make and model of car you’re insuring, rather than its age. As with any car, if it’s smaller and less powerful it will be placed in a lower group, while bigger and faster cars will be placed higher.

What group will my modified car be in?

Modifying your car will often affect your insurance premiums, but it will depend on the nature of the modifications. Most changes will increase the cost of repairs or even the likelihood of theft, but some modifications can actually increase your car’s security and therefore even lower the cost of insurance.

It’s best to talk to your insurer about any modifications you’re planning to understand how it’ll affect your cover.

Understanding car insurance groups

Car insurers use insurance groups to categorise cars based on things like their performance, theft risk and repair costs, helping insurers understand the total risk a car presents. Group 4 is one of the lowest - they start at 1, the cheapest to insure, and go all the way up to 50, the most expensive.

How important are insurance groups to overall car insurance costs?

Your car’s insurance group is one of many factors considered by insurers when setting premiums, as well as your age, location and driving history. These are all taken into account to understand your overall risk profile, and different insurers use different calculations - so it’s always good to compare your options.

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.