What are Car Insurance Groups 1-20?

Car insurance groups play an important role in the cost of insurance for any vehicle. Understanding how a car insurance group works and what each group covers can help you make an informed decision when it comes to purchasing car insurance. The Association of British Insurers (ABI) assigns cars a group number from 1-20. The lower the group number, the less expensive the car insurance.

Car Insurance Group 1

Group 1 is the cheapest car insurance group and covers cars in the lowest insurance bracket. Cars in this group are usually small, low-powered and have a low market value. Examples of cars in this insurance group include the Fiat Punto, Ford Ka, Citroen C1, Volkswagen Polo, Vauxhall Corsa and Peugeot 107. The cost of insurance for these cars is generally very low, although the cost may be higher if the driver is a young or inexperienced driver.

Car Insurance Group 2

Group 2 is the second cheapest car insurance group and covers cars that are slightly more powerful than those in group 1. Examples of cars in this group include the Fiat 500, Ford Fiesta, Nissan Micra, Volkswagen Golf, Vauxhall Astra and Peugeot 206. The cost of insurance for these cars is slightly higher than group 1, but the cost is still relatively low, especially for young and inexperienced drivers.

Car Insurance Group 3

Group 3 is the third cheapest car insurance group and covers cars that are larger and more powerful than those in groups 1 and 2. Examples of cars in this group include the Audi A3, BMW 3 Series, Ford Mondeo, Mercedes C Class, Volkswagen Passat and Vauxhall Insignia. The cost of insurance for these cars is higher than those in the lower groups, but they still remain relatively affordable, especially for experienced drivers.

Car Insurance Groups 4-20

Groups 4-20 cover cars that are larger, more powerful and more expensive than those in the lower groups. Examples of cars in these groups include the BMW 5 Series, Mercedes E Class, Audi A4, Porsche Boxster, Jaguar XJ and Range Rover. The cost of insurance for cars in these groups is significantly higher than those in the lower groups, and the cost will likely be even higher for young and inexperienced drivers.

Car Insurance Groups and Cost

The cost of car insurance is largely determined by the car insurance group that it is assigned to. Generally speaking, the lower the group number, the lower the cost of insurance. However, the cost of car insurance can also be affected by other factors such as the age and experience of the driver, the type of car, the size of the engine, and the level of cover chosen. It is important to compare car insurance quotes from different insurers to find the best deal.