Car Insurance Groups Explained
When it comes to insuring a car, the type of car you have can have a significant impact on the insurance premium that you pay.
Every car on the road fits into a certain car insurance group. Grouping cars involves looking at a mix of data, which includes: engine size, performance, cost of the vehicle and the cost to repair it.
The cost of repairs to a vehicle account for more than half of the money paid out through insurance claims. Obviously, repairs on premium cars, such as Ferrari’s and Porsche’s, cost more money than say a Volkswagen or Ford, so you won’t be surprised that premium cars fall into higher insurance groups.
Therefore, the cheapest cars to insure are those that fall into the lower insurance groups, increasing as the groups get higher.
Some examples of cars and the groups that they fit in to are as follows:
Group 1 –
- Fiat Panda
- Skoda Citigo
- Vauxhall Corsa Hatchback
Group 2 –
- Citroen C1
- Ford Ka
- Vauxhall Corsa Hatchback (03-06)
Group 10 –
- Alfa Romeo Mito
- Audi A1 Hatchback
Group 30 –
- Audi A3 (96-03)
- BMW 3-Series Saloon (05-11)
Group 50 –
- Jaguar XJ Saloon
- Land Rover Range Rover
- Ferrari F430 Coupe
To learn more, see our Cheapest Cars To Insure guide here.
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