Insurance Group Calculator

Every car sold in the UK is assigned an insurance group from 1 (cheapest to insure) to 50 (most expensive). These groups are set by Thatcham Research and the Association of British Insurers based on factors like engine size, repair costs, safety features, and performance. Lower groups generally mean lower premiums.

Insurance group is one of the biggest factors in determining your premium. A car in group 5 could cost half as much to insure as one in group 25 for the same driver. However, your personal details (age, location, driving history, job) also play a major role. The group gives you a good indication of relative cost.

Most popular family cars fall between groups 10 and 20. For example, a Ford Focus is typically around group 11, a Volkswagen Golf around group 14, and a Toyota Corolla around group 15. Larger SUVs and premium brands tend to be higher, often group 20 to 35.

Electric vehicles tend to be placed in higher insurance groups because their batteries and specialist components are expensive to repair or replace. Even a minor collision can damage the battery pack, leading to costly repairs. As EV repair expertise grows and costs come down, groups may reduce over time.

Look for cars in insurance groups 1 to 10. Popular choices include the Volkswagen Up (group 1), Kia Picanto (group 2), Fiat 500 (group 3), and Hyundai i10 (group 3). Smaller engines, budget brands, and avoiding performance trims all help keep the group low. Use our calculator above to check any car.

Use the make and model calculator above for our estimate, which uses engine size, performance trim, fuel type, and year. The reg plate tab opens our free report for a specific vehicle, and our estimated group for that exact car, with example quotes, is in the £2.99 valuation. For the official group, ask an insurer when you get a quote; the V5C logbook does not show it.

The group is one of the biggest factors, but your age, postcode, annual mileage, occupation, and no-claims bonus also matter. A young driver in a Group 1 car may still pay more than an experienced driver in a Group 20 car.

Yes, as an estimate. This calculator is completely free with no signup. Enter make and model above, or use a reg plate on our main car check for a full vehicle report including MOT history, mileage and running costs.

Groups 45 to 50 include high-performance and luxury vehicles: Porsche 911, BMW M models, Mercedes AMG, and supercars. These have powerful engines, expensive parts, and high repair costs. Annual insurance can run to several thousand pounds.