Car Insurance Group 6
Cars in group 6 will be reliable, affordable and cheap to repair which means they have some of the lowest car insurance costs.
Key takeaways
Cars in lower groups are cheaper to insure because they are smaller, have less powerful engines, and are cheaper to repair and replace
Cars in higher groups are more expensive to insure due to higher repair costs and more powerful engines, which increase the risk of accidents and theft.
Cars in insurance group 6 are among the cheaper options to insure as they are typically small, reliable, and safe
Popular group 6 cars include the Citroen C1, Ford Ka, Honda Civic hatchback, and Volkswagen Golf hatchback.
All car make and models are ranked and assigned an insurance group by Thatcham Research. Cars in lower insurance groups, such as group 6, are generally cheaper to insure, based on factors such as value, features and repair costs.
How do insurance groups affect car insurance premiums?
Car insurance groups determine how much you pay for car insurance, with lower groups being cheaper and higher groups being more expensive.
The Insurance Group Rating system is run by the Motor Insurance Repair Research Centre (Thatcham). The Group Rating Panel (members of Association of British Insurers' (ABI) and Lloyds Market Association (LMA) allocates groups based on Thatcham's research.
The following factors are taken into an account when deciding which group a particular make and model falls into:
Car value
Repair costs
Safety features
Performance
Cars that fall into lower insurance groups – such as group 6 – are usually cheaper to insure as they pose a lower risk to insurers regarding the cost of insurance claims.
You can find out what insurance group a car is in with MoneySupermarket’s free car insurance group checker – you just need the car’s registration number.
Which cars are in car insurance group 6?
Insurance group 6 has some of the cheapest cars to insure. They tend to be smaller cars that are reliable, have good safety features, and those with spare parts which are easy to source. This brings down the overall cost when they are involved in an accident or need repairs to be made.
Some of the most popular cars found in Insurance Group 6 include:
Aixam: 400 & 500 hatchback
Chevrolet: Matiz
Chrysler: Ypsilon
Citroen: C1
Citroen: Berlingo Multispace
Dacia: Sandero Stepway
Fiat: Punto
Ford: Ka
Ford: Tourneo Connect
Honda: Civic hatchback
Hyundai: i20 hatchback
Kia: Picanto hatchback
Nissan: Note
Peugeot: 207 hatchback
Renault: Clio hatchback
SEAT: Ibiza
Skoda: Fabia hatchback
Smart: Fortwo Coupe
Vauxhall: Astra hatchback
Volkswagen: Golf hatchback
It’s worth noting that different models and specs of the same car may be in different insurance groups.
Why are cars in group 6 the cheapest?
Cars in insurance group 6 are not the very cheapest to insure, you’ll find these in insurance groups 1 to 5, but they are a lot cheaper than cars in groups higher up the list.
This is because of the way they are made, their size, and how fast they can go. These cars tend to be designed for everyday driving, are at a low risk of being in an accident, and don’t have any unique or hard-to-source parts.
The combination of these factors means they are cheaper to insure because they will cost an insurer less if a claim is made.
What is insurance group 6e and insurance group 6u?
Insurance groups 6e and 6u are sub-sections of insurance group 6.
Where security has been rated, the insurance group number, from 1 to 50, is followed by a letter, which shows the results of the assessment.
An ‘e’ means the car exceeds the security requirement for a car of this type and the group rating has been reduced – so a group 7 car that exceeds the standard is listed as 6e.
Cars with a ‘u’ suffix have a level of security that’s considered unacceptable for that model. The car won't be uninsurable, but some insurers may insist on a security upgrade before they will offer cover.
Are group 6 cars a good option for young drivers?
Group 6 cars can be a good option for young drivers as they are relatively cheap to insure.
Young drivers face the highest average costs for any drivers on the road. This is because statistically, they are most at risk of having an accident. They also lack driving experience and won’t yet have had the opportunity to build up a no claims bonus which can reduce future premiums.
There are many ways young drivers can cut their costs, and one is by picking a car in a low-down insurance group. A car in insurance group 6, or below, might be a good option for a 17-year-old or 18-year-old.
What group would my electric/hybrid car be in?
The insurance group for an electric or hybrid car can vary, depending on the make and model.
Hybrid and electric cars are often placed in higher insurance groups due to their higher showroom prices, despite their lower running expenses.
To find out the insurance group for a particular car, you can enter the registration number into MoneySupermarket’s car insurance group calculator.
What group would my classic car be in?
Classic cars are sometimes associated with lower insurance costs due to their limited use and secure storage conditions.
However, the insurance group for a classic car will be influenced by its rarity, age, make and model.
Rare classic cars might incur higher insurance premiums due to their value and the potential cost of repairs or replacement.
What group would my modified car be in?
Modifications can significantly alter the insurance group of a car. A modified car might see its insurance costs increase or decrease depending on the nature of the modifications.
Changes that enhance the car's value or performance will usually lead to a higher risk profile and, consequently, higher insurance premiums.
