Car Insurance Group 5
If you’re looking for an affordable set of wheels with relatively low insurance costs, cars in group 5 are a good place to start.
Key takeaways
Insurance providers sort cars into groups based on things like their power, performance, repair costs and overall value
Cars in insurance group 5 like the Fiat 500 hatchback, Ford Fiesta and Toyota Yaris are often smaller and easier to drive, so therefore cheaper to insure
However, insurers consider a number of other factors when setting premiums, so it’s always worth comparing your options
What is car insurance group 5?
Car insurance group 5 is one of the lowest of all, meaning cars in this category are often cheap to buy and maintain, at low risk of accidents and therefore relatively cheaper to insure.
What is car insurance group 5e?
Car insurance group 5e refers to cars within group 5 that have exceeded the requirements of the group they’d usually be in, so therefore are placed in a lower insurance group than standard.
Why are cars in group 5 the cheapest to insure?
Cars in this group, like many variants of the Ford Fiesta or Toyota Yaris, are light with small engines, easier to drive and cheap to repair. This makes them a low claim risk in the eyes of insurers, so they’re willing to charge less in order to cover them.
What cars are in insurance group 5?
Car insurance group 5 includes a number of popular car makes and models, such as:
Chevrolet Aveo
Citroen Belingo
Dacia Duster estate
Daewoo Matiz
Daihatsu Cuore
Fiat 500 Hatchback
Ford Fiesta
Hyundai i20 Coupe
Peugeot 206
SEAT Ibiza Hatchback
Smart Fortwo Coupe
Toyota Yaris
Vauxhall Corsa Hatchback
Are cars in insurance group 5 good for young drivers?
Yes, cars in insurance group 5 can be good options for young drivers and those who face high premiums - they’re usually safe to drive and cheap to repair, making them easier to get cover for.
What group will my electric/hybrid car be in?
You’ll often find that electric and hybrid cars are sorted into higher insurance groups owing to them being more expensive to buy and repair. However this is starting to change as electric cars become more common, and premiums are starting to fall.
What group will my classic car be in?
Classic cars are sorted according to the same factors as standard vehicles, so they won’t be put into a special category or a higher group just because they’re classic vehicles. It will depend on the usual factors like their size and performance rather than their age.
What group will my modified car be in?
Modifications can often affect a car’s insurance costs, and you’ll find that some modifications will increase the risk of theft or the cost of repairs, which could push the car’s grouping up. However other modifications that improve security or safety can actually lower your insurance costs - but either way, it’s always best to let your insurer know if you plan to modify your car.
Understanding car insurance groups
Car insurance group go from 1 to 50, with group 1 being the lowest, and insurance providers use these groups to understand a car’s total risk factor. Cars in groups on the lower end, including group 5, are generally cheaper to insure due to their relatively small size and power as well as their lower repair costs.
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. They’ll look at your age, location and occupation too, while 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.
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.
