Car Insurance Groups 1 20 List Explained

In the UK, there are 20 different car insurance groups, ranging from group 1 to group 20. But what do these numbers actually mean? And how should you go about choosing the right car insurance group for your vehicle? In this article, we’ll explain everything you need to know about car insurance groups.

What is a car insurance group?

Car insurance groups are a way of categorising vehicles based on their risk level. The higher the insurance group, the more expensive the car is to insure. The lower the insurance group, the cheaper it is to insure. The groups are split into 20 categories, ranging from 1 to 20, with group 1 being the cheapest to insure, and group 20 being the most expensive.

How are groups determined?

The Association of British Insurers (ABI) is responsible for assigning a car to a certain group. Each car is assigned to a group based on a range of factors, such as its performance, its security features, and its repair costs. This allows insurers to quickly assess the risk associated with a particular vehicle, and set a price accordingly.

What factors determine the group?

Car insurance groups are determined by a range of factors, including:

The car’s performance, including its power, acceleration, and top speed.
The car’s list price, as well as its repair costs.
The car’s security features, such as its alarm, immobiliser, and tracking systems.
The car’s safety features, such as airbags, anti-lock brakes, and active head restraints.

What is the cheapest car insurance group?

The cheapest car insurance group is group 1. This group typically includes small cars, such as the Ford Ka and Volkswagen Polo, as well as some city and superminis. As these cars are cheaper to purchase and repair, they’re generally cheaper to insure.

What is the most expensive car insurance group?

The most expensive car insurance group is group 20. This group typically includes luxury cars and high-performance sports cars, such as the Mercedes-Benz S Class and Porsche 911. As these cars are more expensive to purchase and repair, they’re generally more expensive to insure.

What should I look for when choosing a car insurance group?

When choosing a car insurance group, you should consider the cost of the car, its performance, its security features, and its safety features. If you’re looking to save money on your car insurance, you should consider a car in a lower insurance group, such as group 1 or 2. If you’re looking for a higher level of cover, you should consider a car in a higher insurance group, such as group 19 or 20.

Conclusion

Car insurance groups are a way of categorising vehicles based on their risk level. The higher the insurance group, the more expensive the car is to insure. The lower the insurance group, the cheaper it is to insure. When choosing a car insurance group, you should consider the cost of the car, its performance, its security features, and its safety features. If you’re looking to save money on your car insurance, you should consider a car in a lower insurance group. If you’re looking for a higher level of cover, you should consider a car in a higher insurance group.