Insurance groups for cars are used by insurance companies to help determine the cost of insurance premiums. Cars are grouped based on various factors including their performance, repair costs, safety features, and other considerations. Lower insurance group numbers generally indicate lower insurance costs, while higher group numbers typically correspond to higher insurance premiums.
Here’s a general idea of the types of cars that might fall into insurance groups 1, 2, 3, and 4, though keep in mind that specific models and their groupings can change over time due to updates and changes in the automotive market:
Insurance Group 1: These are typically smaller, less powerful cars with good safety features and low repair costs. They are often considered to be some of the cheapest cars to insure.
- Examples might include small city cars or compact cars with small engines, such as the Ford Ka, Fiat Panda, and Toyota Aygo.
Insurance Group 2: Similar to Group 1, these cars are likely to be compact and have low-cost repair and maintenance features.
- Examples might include the Vauxhall Corsa, Hyundai i10, and Citroën C1.
Insurance Group 3: Cars in this group might have slightly more power or features than those in the previous groups, but they are still relatively affordable to insure.
- Examples could be the Volkswagen Polo, Kia Rio, and Nissan Micra.
Insurance Group 4: Cars in this group might be slightly larger or more powerful than those in previous groups, but they still tend to have reasonable insurance costs.
- Examples might include the Ford Fiesta, Skoda Fabia, and Peugeot 208.
It’s important to note that the specific models that fall into each insurance group can vary between insurance companies and can change over time as new car models are introduced or updated. If you’re interested in a specific car model, you can check with insurance companies to get a more accurate quote for insurance premiums based on the car’s insurance group.