Vehicle check
Vehicle check

Car Insurance Group Check

Find the insurance group for any UK vehicle

What's included in our Insurance Group Check?

Insurance Group Rating

Find the official insurance group rating (1-50) for any UK vehicle.

Premium Impact

Understand how the insurance group affects your likely premium costs.

Security Features

See what security features contribute to the vehicle's insurance rating.

Repair Costs

Learn how repair costs influence the insurance group classification.

Performance Factor

Understand how the vehicle's performance affects its insurance rating.

Compare Vehicles

Compare insurance groups across different makes and models.

Understanding Car Insurance Groups

Every car in the UK is assigned an insurance group from 1 to 50. Group 1 cars are the cheapest to insure, while group 50 cars are the most expensive. Knowing a car's insurance group before you buy can help you budget for running costs.

How Insurance Groups Are Determined

Several factors influence which group a car is placed in:

  • Vehicle value - More expensive cars cost more to replace
  • Performance - Faster cars are statistically more likely to be in accidents
  • Repair costs - Parts prices and labour time for repairs
  • Security - Standard security features like alarms and immobilisers
  • Safety ratings - Euro NCAP crash test results
  • Bumper compatibility - How well bumpers absorb impact in low-speed crashes

Insurance Group Examples

Here's a rough guide to what you'll find in different group ranges:

  • Groups 1-10 - Small city cars, older vehicles, low-powered hatchbacks
  • Groups 11-20 - Family hatchbacks, small SUVs, most mainstream models
  • Groups 21-30 - Larger family cars, performance variants, executive cars
  • Groups 31-40 - Sports cars, large SUVs, premium vehicles
  • Groups 41-50 - Supercars, high-performance sports cars, luxury vehicles

Tips for Cheaper Insurance

If you're looking to reduce insurance costs:

  • Check the insurance group before buying a car
  • Consider lower-powered versions of the same model
  • Add approved security devices to potentially lower your group
  • Compare quotes from multiple insurers - groups are a guide, not a fixed price

Frequently Asked Questions

Insurance groups range from 1 to 50, with 1 being the cheapest to insure and 50 the most expensive.

They help insurers quickly assess the risk and likely costs of insuring different vehicles.

Factors include the car's value, performance, security features, repair costs, and crash safety ratings.

Higher-powered, more expensive cars with costly parts tend to be in higher groups.

Generally yes, but your premium also depends on your age, location, driving history, and other factors.

A car in group 10 will typically cost less to insure than the same person insuring a group 30 car.

The Association of British Insurers (ABI) and Thatcham Research rate each vehicle based on multiple factors.

These include performance, repair times, parts costs, safety features, and bumper compatibility.

Car Insurance Group Check - Find Your Insurance Group | VehicleScore