The insurance group of your motor can have a considerable impact on the price of your car insurance. We've created a tool that allows you to find out the insurance group of thousands of cars, helping you determine how much damage the premium might do to your bank balance!
Our car insurance group search tool is useful when you have a specific model in mind, but sometimes you're looking for inspiration on low group vehicles. That's why we've put together the following list of popular cars that are cheap to insure. Check out Autotrader if you want to check prices on them.
Want to see more than the 6 low group cars listed above? Check out our car insurance group tables from 1 through to 50. We've listed many of the models available in each group for your information.
As motorists in the UK, and especially as a young driver, the cost of our insurance can be affected in a large way by our choice of vehicle. While new drivers who have just passed their tests may have big ideas about their first car, many of the more desirable rides will be priced out of their budgets. As with all insurance, the insurers try to establish the risk level of a claim being made. Factors which increase the likelihood of a claim will most likely increase the cost of the monthly premium/cost to you. Being a driver of a fast, powerful car, or a car with a high repair cost, makes you more likely to cause an expensive collision.
This effect is even higher with young drivers who haven't had the time to build up a no claims discount. The result? Considering your car insurance group before buying your car is a very wise move. Cars in lower insurance groups will, everything else being equal, tend to cost less to insure. NEW: Check out our blog!
Are cars in insurance group 1 always cheapest to insure?
That depends! All else being equal, group one would probably give the cheapest insurance. However a large part of the cost of insurance is each insurer's individual claims experience. This means it's not a perfect science and you'll have to run quotes on a few different cars from groups 2, 3 and beyond to be sure you're finding the car with the lowest insurance quote for your requirements.
How relevant are car insurance groups in 2018?
They still play an important role in the price of insurance. Car insurance groups are often baked into the platforms that sit beneath the insurance quote forms, playing an integral part in the rating engines that determine which price you're offered. With new technologies like black box insurance, it's true that more data than ever is available to feed into the price you pay. But insurance group categories aren't going away any time soon - especially for new and first time drivers, who have little or no driving history. For these new motorists, insurers still rely quite heavily on traditional factors like choice of car.
Can I find the same car in different bands?
Not exactly the same car - but almost. If you fancy a Vauxhall Corsa, for example, there are dozens of sub-models of this vehicle. The hot hatch version will be in a higher bracket price-wise - whilst the 1-litre entry level vehicle will likely be in a more affordable category. If you're not too fussed about trim, engine size and upgrades, you can probably find your favourite model in a lower group.