Each new passenger car built to a UK specification is classified by the Group Rating Panel, who meet on a monthly basis. This panel is comprised of members from the Association of British Insurers (ABI) and Lloyds Market Association (LMA). A vast majority of the information used by the Panel is conducted by the Motor Insurance Research Centre otherwise known as Thatcham.

 

The panel assign new car models to 1 of 50 insurance groups, which has fairly recently changed from a structure which had 20 insurance groups for cars. The general rule to understand is that cars in the highest insurance bands, typically high performance models, are those which are likely to cost insurers the most in insurance claims. High performance cars therefore attract a higher insurance premium.

 

You can search our site for details on specific cars, simply enter the car make and model in the search box below:

Car Insurance Groups UK Explained

 

The cost of car insurance is intrinsically linked to Car Insurance Groups. Owning a car in the UK  with a lower insurance group is a pretty sure–fire way of reducing your annual car insurance premium. So it’s more than worthwhile understanding how car insurance groups work and finding out what car models sit in which insurance group. So here is our UK car insurance groups guide.

 

Car insurance bands 1 to 12, where the make, model and trim sit within the lower road tax bands A to E, are available from the insurance group number list below; simply click on the group of your choice for a full list of cars available. For a simple list of new cars that are in car insurance bands 1-5 and the lower road tax bands, click here: cheapest cars to tax and insure.

 

Want to know how much one of the cars below will cost to insure? By running free car insurance comparisons on the leading car insurance comparison websites, you’ll cover off up to 80% of all car insurers and brokers in one go. Not bad for 5 minutes or so work on each website! Simple, quick and guarantees peace of mind that you have got a market-leading car insurance price - just click here to get started: Compare The Market | Tesco Compare | Go Compare

 

Insurance groups numbers UK: the simple rule is, the lower the car insurance group number the better!

 

NEW! Use our simple guide to get the cheapest insurance quote. With so many car insurance comparison websites out there, how do you know which one is the best to use? Well, if your car insurance is up for renewal in the next few weeks, then follow our 4-stage guide to using the comparison websites to ensure you cover off as many insurers in the shortest amount of time - this could be an extremely lucrative way to spend the next few minutes! Click here to read our guide: Compare Car Insurance

 

 

 

If you drive a low emission car then you must check out both Compare The Market and Go Compare when your insurance is up for renewal. They feature all 3 insurers on their panel who offer green discounts/carbon offsetting: I Buy Eco, the Co-Operative and the Green Insurance Company. Get a free quote here: Compare The Market | Go Compare

 

 

For more cost-effective motoring, don't miss our articles: Highest MPG Cars | Cheapest Cars To Tax And Insure

Car Insurance Bands 1-12

Insurance Group 1 Insurance Group 2 Insurance Group 3
Vauxhall Corsa Insurance Group Toyota Yaris Insurance Group Ford Ka Road Tax
Vauxhall Corsa Toyota Yaris Ford Ka
Insurance Group 4 Insurance Group 5 Insurance Group 6
VW Polo Bluemotion Fiat 500 Twin Air Ford Fiesta 2013 Model
Volkswagen Polo Fiat 500 Ford Fiesta
Insurance Group 7 Insurance Group 8 Insurance Group 9
Citroen C3 Mini First Vauxhall Astra Road Tax
Citroen C3 MINI First Vauxhall Astra
Insurance Group 10 Insurance Group 11 Insurance Group 12
Car Tax Focus VW Golf Car Insurance Vauxhall Zafira Road Tax
Ford Focus VW Golf Vauxhall Zafira

 

 

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