Car Insurance Groups

Car Insurance Groups Comparison

In the UK, cars are categorised into insurance groups ranging from 1 to 50, with each group representing a different level of risk. Generally, the higher the group number, the greater the potential cost of insuring the vehicle. This guide focuses on car insurance groups 24 through 50, breaking down what these groups mean and how they can influence the price you pay for insurance.

What are car insurance groups?

Car insurance groups provide insurers with a quick way to estimate the risk associated with different car models. Factors such as repair costs, safety ratings, performance, and the likelihood of theft all play a role in assigning a vehicle to a specific group. While groups 1 to 23 are associated with relatively lower premiums, groups 24 to 50 typically signify cars that cost more to insure due to higher risks or repair costs.

Groups 24-33: mid-range insurance costs

Vehicles in groups 24 to 33 often include family saloons, mid-range SUVs, and other everyday cars with moderate repair and replacement costs. Cars in this range are neither the cheapest nor the most expensive to insure, but they often offer a good balance of affordability and practicality. Key factors that place a car into these groups may include engine size, safety features, and the cost of replacement parts.

A mid-size sedan with good safety ratings might fall into group 27 due to relatively straightforward repairs but decent performance.

• Car Insurance Group 24
• Car Insurance Group 25
• Car Insurance Group 26
• Car Insurance Group 27
• Car Insurance Group 28
• Car Insurance Group 29
• Car Insurance Group 30
• Car Insurance Group 31
• Car Insurance Group 32

Groups 34-41: High Performance and Luxury Cars

This range of groups typically contains high-performance hatchbacks, premium saloons, and luxury SUVs. Cars here may have more powerful engines and additional features that increase their repair complexity. Because of these factors, insurance premiums are generally higher for these vehicles.

A high-performance SUV in group 38 may come with sophisticated safety features and tech, but its higher cost to repair or replace makes it more expensive to insure.

• Car Insurance Group 34
• Car Insurance Group 35
• Car Insurance Group 37
• Car Insurance Group 40
• Car Insurance Group 41
• Car Insurance Group 42
• Car Insurance Group 43

Groups 42-50: High-Risk and Premium Vehicles

Groups 42 through 50 represent the upper tier of car insurance risk. Cars in these groups tend to be sports cars, high-end luxury vehicles, or models with exceptionally powerful engines. They are often more expensive to repair, have a higher likelihood of theft, and carry substantial replacement costs.

A luxury sports car in group 50 will have one of the highest insurance premiums due to its value, performance, and potential repair expenses.

• Car Insurance Group 44
• Car Insurance Group 45
• Car Insurance Group 46
• Car Insurance Group 47
• Car Insurance Group 48
• Car Insurance Group 49
• Car Insurance Group 50

How car insurance groups affect your premiums

Insurance companies use car groups as one of many factors to estimate risk and determine premiums. Generally, cars in higher groups are more expensive to insure. Knowing your vehicle’s insurance group can help you understand why you pay a certain amount and may help you make more informed decisions when buying a car.

Why car insurance groups matter

Understanding your car’s insurance group can have a big impact on your wallet. If you’re looking to reduce your insurance premiums, it may be worth exploring cars in lower groups or making modifications to your current car to enhance its safety and reduce its risk level.

What is the highest car insurance group?

The highest car insurance group is group 50, which typically includes high-value or high-performance vehicles that cost more to insure.

Can I lower my car insurance premium if my car is in a high group?

Yes, there are ways to reduce your premiums even if your car falls into a high group. Enhancing security features, driving safely, and shopping around for competitive quotes are good places to start.