Here is the list of car insurance groups in UK. You can check what insurance groups is your car and how it affects your car insurance premiums. It is common that any cars fall in lower insurance groups in the UK attract a lower premium while cars in higher insurance groups will have to pay higher premium. Therefore it is good to understand how it works in the UK before you decide to buy any cars. This will help to save up some money on car insurance.

There are 20 car insurance groups from group 1 to group 20 and another 30 groups are added recently from group 21 to group 50 in the UK. Usually high performance cars or exotic cars fall under high insurance groups which usually involve high claims from insurers in case there is something happen.

Usually the insurance company will not tell you exactly how much the insurance cost is because there are many factors involved. Some of the factors that involved are such as:

• Car performance – high performance car gives good acceleration and top speed and it often result in more insurance claims.
• Car security – purchasing a car that come with airbag, ABS brake systems, theft alarm systems, auto-lock or some other security functions will lead you to cheaper car insurance.
• Damage and parts replacement cost
• Repair costs and labour costs to repair
• Repair times
• New car values and depreciation values
• Parts prices

Check out some of the related insurance topic besides list above:
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Car insurance groups in UK

Each car model and model year of the car sold in UK is given a car insurance group rating from group 1 to 20, where 1 is the lowest and 20 is the highest. Although you can choose the insurance group base on your car model and year, but there are always exception depends on other factors. For example, the car performance and security system.

Car insurance group 1

Usually is for cars under 1000cc and car price that below £15,000. For example Volkswagen Fox, Chevrolet Matiz, Nissan Pixo, Suzuki Alto, Toyota Aygo, Citroen C1, Peugeot 107, Skoda Fabia, Ford Ka Studio, Ford Fiesta Studio.

Car insurance group 2 and 3

Mostly for cars under 1500cc. For example Kia Picanto, Chevrolet Matiz, Smart fortwo pulse, Suzuki Splash, Seat Ibiza, Toyota iQ, Fiat Panda 1.3, Toyota Yaris, Vauxhall Corsa, Perodua Kenari, Fiat 500, Hundai i20, Renault Clio, Nissan Micra.

Car insurance group 4 to 7

Most of the cars from group 4 to 7 are above 1000cc but under 2000cc and mostly under £25,000. For example Renault Kangoo Expression, Citroen Berlingo Multispace, Skoda Fabia Sport 1.9, Vauxhall Astra Life, Daihatsu Sirion, Subaru Justy, Volkswagen Golf

Car insurance group 8 to 13

Some cars that falls between group 8 andis more than 2000cc like Toyota Avensis TR 2.2, Jeep Wrangler 2.8, and Toyota Verso. As mentioned earlier, the factor is not only performance, therefore there is still a lot of cars under 2000cc between group 8 and .

Car insurance group 14 to 16

Cars fall between group 14 to 16 are such as the Alfa Romeo 147 GTA, Jaguar S or X Type, Mercedes Benz E Class, Volvo S60 or S80, Audi A6, BMW 5 Series, Chrysler, Lexus RX, New Mini Cooper S (Group 15), Mercedes Benz CLK, M Class, SLK (Group 16).

Car insurance group 17 and 18

There will be some luxury cars starts from the group 17. These cars are Audi A8, BMW 7 Series, X5, Z4 Roadster, Vauxhall VX220. On the group 18 it has BMW 6 series, Z3, Mercedes Benz CL, S, and SL Class, the famous Tokyo Drift sports cars Nissan 350Z, Porsche Boxter, Cayenne.

Car insurance group 19

Now it is getting a little bit more excited by looking at group 19 cars. The Audi TT Coupe, Lexus SC430, Subary Imprezza WRX are all fall under group 19.

Car insurance group 20

All cars in group 20 are mostly high performance and attractive to own one. Aston Martin Vantage, Audi RS6 Avant Quattro, Audi S4, S6, Bentley Continental GT, BMW M Series, Caterham, Ferrari, Honda NSX, Lamborghini, Lotus Elise, Porsche Carrera GT, Porsche 911, Rolls Royce Phantom, TVR, Vauxhall Monaro and many millionaire’s toy.

It will be great to consider what car to buy base on your budget and the list of car insurance groups in UK.