What insurance group is my car

The Group Rating Panel is made up of representatives of the insurance industry and meets every month to determine car insurance groups.
It assigns a group number between one and 50 to every model of vehicle. A group one vehicle would be in the lowest insurance group, group 50 the highest.
The main factor used by the panel to determine groupings is research conducted by the Motor Insurance Repair Research Centre (Thatcham).
Cars with low insurance groups
If you’re shopping around for a new car, knowing its insurance group and how much it’ll cost to insure, may help to sway your decision. Use the calculator above to find the insurance group of a specific car you’ve got your eye on, or use the table below for an overview of the group.
As you climb higher up the insurance groups, the more expensive and rare the cars become.
Bear in mind that insurance groups change very frequently and that various models of your desired car may fall into a more expensive group based on its technical spec and features, all of which you can read about below.
Manufacturer and model
25 or lower Volkswagen Fox, Volkswagen Beetle, Hyundai i10, Fiat Panda, Peugeot 107, Citroen C1, Skoda Citigo
26-30 Volkswagen Up!, Ford Ka, Fiat 500, Mazda2, Audi A1, Ford Fiesta, Jeep Cherokee, Land Rover Freelander, Seat Ibiza
31-35 Vauxhall Adam, Audi A3, Ford Mondeo Estate. Mercedes-Benz C Class Saloon, BMW 5-Series
36-40 Mitsubishi Shogun, Peugeot 308 Hatchback, Volkswagen Golf Hatchback, MG ZT Saloon, Volvo S60
41-45 BMW Z4 Roadster, Land Rover Discovery, Porsche Cayman, Subaru Impreza Saloon, Honda Legend Saloon
46-50 Alfa Romeo Giulia, Audi TT Roadster, Ford Mustang, Jeep Grand Cherokee SRT-8, Porsche Boxster
Damage and parts costs
If it doesn’t cost the earth to repair your car, and the parts are ten a penny, you’ll find that your car insurance group is nice and low too.
Repair times
If it’ll take days and weeks to repair your car, that’s a larger number of mechanic hours on the clock — you may find the insurance group is higher than a car that’s in and out of the garage in 15 minutes flat.
This may be the case if you’ve got an imported car or classic car, because chances are the parts are rarer, need to be shipped in, and may take specialist know-how and time to fit.
The value of your car as new informs the insurance group because it reveals how much it would really cost to repair or replace.
Availability of body shells
The panel takes into consideration the cost to replace the basic skeletal frame of the car too, aside from the value of the spare parts.
Again, if the frame is affordable and widely available it may reduce the insurance group.
If you want cheaper car insurance, the odds will be in your favour if you don’t buy a high performance car that accelerates to top speeds in the blink of an eye.
Finally, to find a car with a low insurance group, look at its security features, namely its locks, alarms, and immobilisers.
Not all car insurance companies choose to use the groups set by the panel, with some opting to set their own groupings instead.Car insurance groups
But rating factors will be similar and if you use the tool above to find your car’s insurance group you’ll get an idea of where your vehicle stands in the table.
In our quotes process you can then quickly and easily compare multiple insurance brands to find the right policy at the right price.
Whichever set of insurance groups an insurer uses, you’ll typically find that cars in lower groups attract a cheaper premium.
Cars in higher insurance groups attract a higher premium, often because they’re high-performance models or prestige cars that have expensive repair or replacement costs.
Bear in mind that making any non-factory-standard modification to your vehicle is likely to override the standard group rating in the eyes of an insurer and there’s a good chance that this will make the car more expensive to cover.
From Covered mag:
Making sense of car insurance groups
It’s not all about the insurance group…
Remember that, whatever rating your vehicle has, there may be more significant factors affecting the price of your insurance, such as the profile of the driver and where he or she lives.
As just one example of things to consider, a poor security rating for your vehicle may be somewhat countered in the eyes of certain insurers if you take measures to improve the security of your vehicle yourself.
To get a better idea of some of the factors in play, try our tips to cut the cost of car insurance and read our extensive collection of car insurance guides.
Insurance Groups Explained
Now you know which insurance group your vehicle falls into, you need to know what this means. Read below for insurance groups explained!
Each car is placed into one of 50 groups by the Group Rating Panel; the higher the group, the more expensive the vehicle is to insure. They decide on which vehicle should go into which group based on the following criteria:
• Cost of Repair – this takes into account the cost of both parts and labour
• Level of security
• The price of the car when it first enters the market
• It’s performance – this is where acceleration and top speed are accounted for
What do these groupings mean for my car insurance premium?
Insurers are not obliged to use the groupings provided by the Group Rating Panel as they are just recommendations, however many do. Bear in mind that some insurers use their own grouping system, but if you want to check the Group Rating Panel grouping of your vehicle use our tool!
How to reduce my car insurance premium?
If your vehicle is appearing in one of the higher groups your insurance policy is going to be more expensive than if it was in the lower groups. Although you can’t physically move a vehicle from one group to another there are options you can choose to move down the groups. For instance, try purchasing a more popular vehicle as if your vehicle is mass produced so are its parts, which means they are more readily available and cheaper to source. If your vehicle is no longer in production or there were very few versions of your vehicle made then parts are harder to find and therefore are often more expensive.
If there is a particular make and model that you have your heart set on you might find that there are different versions available in terms of performance. If there is an option for a slightly less powerful version of your car you might find that it is in a lower insurance group therefore making it cheaper than its more powerful counterpart.
What insurance group is my car? The grouping of your vehicle isn’t the only factor for that determines the price of your insurance. There are other factors that come into play such as the age of the vehicle and the driver, the amount of claims made and so on. For example, a driver in their 60s looking for an insurance policy for a vehicle in group 30 with 40 years no claims is likely to pay a lower premium than someone of 17 with no years no claims and who just passed their driving test, even if the vehicle is in group 20.