Cars in low insurance groups
Our car insurance group search tool is useful when you have a specific model in mind, but sometimes you’re looking for inspiration on low group vehicles. That’s why we’ve put together the following list of popular cars that are cheap to insure. Check out Autotrader if you want to check prices on them.
Here is a list of the top 10 cheapest cars to insure in 2018:
Popular cars in low insurance groups
Browse cars by group number
Want to see more than the 6 low group cars listed above? Check out our car insurance group tables from 1 through to 50. We’ve listed many of the models available in each group for your information.
As motorists in the UK, and especially as a young driver, the cost of our insurance can be affected in a large way by our choice of vehicle. While new drivers who have just passed their tests may have big ideas about their first car, many of the more desirable rides will be priced out of their budgets. As with all insurance, the insurers try to establish the risk level of a claim being made. Factors which increase the likelihood of a claim will most likely increase the cost of the monthly premium/cost to you. Being a driver of a fast, powerful car, or a car with a high repair cost, makes you more likely to cause an expensive collision.
This effect is even higher with young drivers who haven’t had the time to build up a no claims discount. The result? Considering your car insurance group before buying your car is a very wise move. Cars in lower insurance groups will, everything else being equal, tend to cost less to insure. NEW: Check out our blog!
Insurance group FAQ
Are cars in insurance group 1 always cheapest to insure?
That depends! All else being equal, group one would probably give the cheapest insurance. However a large part of the cost of insurance is each insurer’s individual claims experience. This means it’s not a perfect science and you’ll have to run quotes on a few different cars from groups 2, 3 and beyond to be sure you’re finding the car with the lowest insurance quote for your requirements.
How relevant are car insurance groups in 2018?
They still play an important role in the price of insurance. Car insurance groups are often baked into the platforms that sit beneath the insurance quote forms, playing an integral part in the rating engines that determine which price you’re offered. With new technologies like black box insurance, it’s true that more data than ever is available to feed into the price you pay. But insurance group categories aren’t going away any time soon — especially for new and first time drivers, who have little or no driving history. For these new motorists, insurers still rely quite heavily on traditional factors like choice of car.
Can I find the same car in different bands?
Not exactly the same car — but almost. If you fancy a Vauxhall Corsa, for example, there are dozens of sub-models of this vehicle. The hot hatch version will be in a higher bracket price-wise — whilst the 1-litre entry level vehicle will likely be in a more affordable category. If you’re not too fussed about trim, engine size and upgrades, you can probably find your favourite model in a lower group.
Car insurance groups explained
1Independent testing company Thatcham puts new cars through their paces
2Impact performance, damage costs, repairability, theft prevention and other factors are tested
3A group number from 1-50 is assigned, which car insurance companies use to help set the price of your quote. 1 is cheaper, 50 is pricey!
Learn more about the group system
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What is an insurance group?
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.
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.
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Cars in low insurance groups