Insurance Group Calculator
Find out which insurance group any car falls into. Groups range from 1 (cheapest to insure) to 50 (most expensive). Enter your car details below for an instant estimate.
Quick answer: UK car insurance groups run from 1 (cheapest to insure) to 50 (most expensive), set by Thatcham Research based on engine size, repair costs, and safety features. Most family cars sit between group 10 and 20. Use the calculator below for an instant estimate, or compare live quotes once you know your group.
Check Insurance Group
Include performance trims (GTI, ST, AMG, RS) for more accurate results
Ford Fiesta (2020)
Estimated Insurance Group
Insurance Band
Average
Typical Annual Cost
£700 - £1,400
Group Range
28 of 50
Mid-range insurance costs, typical for mainstream family cars.
Now see what that group means for your actual premium.
Compare 100+ UK insurers in 60 seconds. Drivers save an average of £504/year by switching. No commitment.
Insurance Groups for Popular Cars
Compare your result against common UK models. Tap any car to see where it sits.
| Car | Engine | Group | Band |
|---|---|---|---|
| Ford Fiesta (2020)(your car) | 1.2L | 28 | Average |
| Volkswagen Up | 999cc | 1 | Very Low |
| Fiat 500 | 1.2L | 3 | Very Low |
| Toyota Yaris | 1.3L | 6 | Low |
| Ford Fiesta | 999cc | 7 | Low |
| Vauxhall Corsa | 1.2L | 6 | Low |
| Volkswagen Polo | 999cc | 8 | Low |
| Volkswagen Golf | 1.4L | 14 | Below Average |
| Ford Focus | 999cc | 11 | Below Average |
| Bmw 1 Series | 1.5L | 20 | Average |
| Audi A3 | 1.4L | 18 | Below Average |
| Mercedes-benz A-class | 1.3L | 21 | Average |
| Bmw 3 Series | 2.0L | 28 | Average |
| Audi A4 | 2.0L | 26 | Average |
| Ford Fiesta St | 1.5L | 28 | Average |
| Volkswagen Golf Gti | 2.0L | 33 | Above Average |
What Affects Insurance Groups?
Engine size and power
Larger engines produce more power, which correlates with higher risk. A 1.0L engine will be in a much lower group than a 3.0L.
Vehicle brand
Premium brands like BMW, Audi, and Mercedes are typically 5+ groups higher than budget brands like Dacia, Suzuki, and Kia.
Performance trim
GTI, RS, ST, AMG, and similar performance trims push insurance groups up by 3 to 5 points compared to the base model.
Fuel type
Electric vehicles tend to be in higher groups due to expensive battery repairs. Diesel is slightly higher than petrol for the same engine size.
Vehicle age
Older cars (pre-2015) may be in slightly lower groups as their replacement value is lower, though parts availability matters too.
Safety and security
Cars with advanced safety features (AEB, lane assist) and strong security (Thatcham-rated alarms) can be placed in lower groups.
Thinking of buying this car?
Know the insurance group. Now make sure there's no outstanding finance or hidden damage.
8 free checks included. Premium history from £4.99. Valuation from £2.99.
Frequently Asked Questions
What is a car insurance group?
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.
How do insurance groups affect my premium?
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.
What insurance group are most family cars in?
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.
Why are electric cars in higher insurance groups?
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.
How can I find the cheapest car to insure?
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.
How do I find my car's insurance group?
Use the make and model calculator above, or switch to the reg plate tab for an instant check on a specific vehicle. Our estimate uses engine size, performance trim, fuel type, and year. For the official Thatcham rating, check your V5C logbook or the Thatcham Research website.
Does the insurance group determine my premium?
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.
Can I check insurance groups for free?
Yes. 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 insurance group, MOT history, and running costs.
What cars are in the highest insurance groups?
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.
Related Calculators
Want the full picture?
Check any car's complete history, reliability score, and premium vehicle history data for just £4.99
About Our Insurance Group Estimates
Our insurance group calculator provides estimates based on engine size, fuel type, manufacturer, and model characteristics. Actual insurance groups are determined by Thatcham Research and the Group Rating Panel, who assess each specific variant based on detailed repair cost data, safety test results, and security ratings.
The estimated group should be used as a guide when comparing cars. Your actual insurance premium depends on many additional factors including your age, postcode, claims history, occupation, annual mileage, and voluntary excess. For an exact quote, contact your insurer or use a comparison site.