Car Insurance Group 9
Cars in insurance group 9 are likely to be the cheapest makes and models to insure, so it’s a good place to start if you’re looking for affordable cover. But insurance providers consider other factors too - learn more about car insurance group 9 and what it could mean for your premiums.
Key Takeaways
Cars in insurance group 9, such as the Ford Fiesta Active and SEAT Ateca SUV, are relatively small, reliable, and easy to repair, making them cheaper to insure
Insurers look at these groups to understand a car’s risk profile, and use this information alongside other details to set your premiums
Young drivers and those who face high insurance prices can reduce the cost of cover by picking a car in insurance group 9 or lower
What is car insurance group 9?
Car insurance group 9 is relatively low on the scale of insurance groups, and cars in this group are often categorised so due to their smaller engines and low repair and maintenance costs. While it isn’t the lowest overall, it’s still a good insurance group to consider if you’re looking to keep your insurance costs on the lower side.
Why are cars in group 9 the cheapest to insure?
Cars in group 9 are generally seen by insurers to have a low risk of being involved in an accident or a theft, owing to things like moderate engine size and performance specs as well as overall value. These cars are also cheaper to maintain and easier to repair, often due to readily available parts, which means associated insurance costs are usually lower.
What cars are in insurance group 9?
Insurance group 9 includes a number of popular car makes and models, such as:
Citroen C3
Dacia Duster
Fiat 500
Ford Fiesta
Honda Civic
Hyundai i20
Kia Picanto
Mercedes Benz A-Class
Nissan Micra
Peugeot 206
Many of these cars share similar characteristics, from their relatively small size, readily available and cheap parts for repair, and overall low insurance costs.
Are cars in insurance group 9 good for young drivers?
Cars in insurance group 9 can be good options for young drivers that usually face high insurance costs. These cars are relatively safe and low risk, so insurers are likely to offer lower premiums when covering these cars compared to those in higher groups.
However it’s important to remember that insurers consider a range of other factors when deciding premiums, and young drivers are still likely to pay more than average.
What group will my electric/hybrid car be in?
Electric and hybrid cars are generally found in higher groups owing to their high upfront and repair costs, although things are changing as they become more widespread. It will depend on the make and model of the car, so it’s always worth looking into quotes from different providers to see what your options are.
What group will my classic car be in?
The insurance group a classic car will be in depends hugely on the make and model more so than the age. Small and reliable cars with low repair costs are still likely to be in a low group, even if it’s a classic car, while bigger and more expensive vehicles will probably be ranked higher.
The best way to find out is to talk to an insurer, compare quotes online or check with a free insurance group calculator.
What group will my modified car be in?
Car modifications can affect the insurance costs of cars, often bringing them up as a result of modifications increasing the cost of repairs and the likelihood of theft. However some modifications can actually help lower the cost of cover if they improve a car’s security or safety.
It’s best to contact an insurer and let them know about any modifications on your car to get a better understanding of how it will affect your premiums.
Understanding car insurance groups
Car insurance groups are categories that classify vehicles based on factors like their performance, repair costs and theft risks. Group 9 is among the lowest, with 1 being the lowest of all and 50 being the highest. Insurers use these groups to set your car insurance costs when you take out cover for a car.
How important are insurance groups to overall car insurance costs?
Insurers consider your car’s insurance group alongside a number of other factors when deciding how much to charge you. They’ll also take into account your age, location, occupation and history of accidents and claims to understand your entire risk profile before setting your premiums accordingly.
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.
