Insurance Group Check: Find Your Car's Group
Find out which insurance group any UK car falls into. Groups range from 1 (cheapest) to 50 (most expensive). Enter a reg plate for instant results.
What the insurance group check includes
What determines the insurance group
Parts cost
The cost of common replacement parts (bumpers, headlights, body panels). Expensive parts push the group higher.
Repair time
How long common repairs take. Cars that are complex to repair (aluminium bodies, advanced electronics) get higher groups.
Performance
Engine power, top speed, and acceleration. Faster cars are more expensive to insure because they are involved in more serious accidents.
Safety features
Cars with advanced safety features (AEB, lane assist, airbags) may get a lower group because they reduce accident severity.
Security features
Factory-fitted alarms, immobilisers, and tracking devices reduce theft risk and can lower the group.
Vehicle value
Higher value cars cost more to repair or replace, pushing the insurance group up.
Cheapest cars to insure (small engines)
| # | Car | Engine | Pass Rate |
|---|---|---|---|
| 1 | Nissan Qashqai (2019) | 4cc | 90% |
| 2 | Suzuki Alto (2010) | 65cc | 77% |
| 3 | Peugeot Elddis (2018) | 197cc | 96% |
| 4 | Land Rover Range Rover (2010) | 499cc | 85% |
| 5 | Fiat 500l (2013) | 499cc | 76% |
| 6 | Smart (mcc) City Coupe (2002) | 599cc | 73% |
| 7 | Smart (mcc) City Coupe (2003) | 599cc | 72% |
| 8 | Smart (mcc) City Coupe (2006) | 599cc | 72% |
| 9 | Bmw I3 (2014) | 647cc | 89% |
| 10 | Bmw I3 (2015) | 647cc | 87% |
Most expensive to insure (large engines)
| # | Car | Engine | Pass Rate |
|---|---|---|---|
| 1 | Land Rover Defender (1996) | 25000cc | 74% |
| 2 | Kia Picanto (2015) | 12500cc | 82% |
| 3 | Ferrari 812 Superfast S-a (2019) | 6496cc | 98% |
| 4 | Jeep Cherokee (2016) | 6000cc | 86% |
| 5 | Bentley Continental (2007) | 5998cc | 94% |
| 6 | Bentley Continental (2006) | 5998cc | 92% |
| 7 | Bentley Continental (2005) | 5998cc | 94% |
| 8 | Bentley Continental (2012) | 5998cc | 95% |
| 9 | Bentley Continental Gt (2018) | 5998cc | 97% |
| 10 | Bentley Continental (2008) | 5998cc | 93% |
How it works
Enter the reg plate
Type any UK vehicle registration into the search bar. No signup needed.
We estimate the group
We use the vehicle's make, model, engine size, and year to estimate the insurance group.
View your result
See the estimated group alongside MOT history, reliability score, and running costs.
Frequently asked questions
What are insurance groups and how do they work?▼
Insurance groups range from 1 to 50, with 1 being the cheapest to insure and 50 the most expensive. Every car sold in the UK is assigned a group by the Group Rating Panel, which includes members from the Association of British Insurers (ABI) and Lloyds Market Association. The group is based on repair costs, performance, safety, and security.
How do I find my car's insurance group?▼
Enter your registration plate above and we will show you the estimated insurance group for your vehicle. Our estimate is based on the car's make, model, engine size, and year. You can also check on the Thatcham Research website for the official group rating.
What insurance group is the cheapest?▼
Group 1 is the cheapest to insure. Cars in groups 1-5 typically include small city cars like the Fiat 500, VW Up!, Citroen C1, and Toyota Aygo. These have low-powered engines, cheap parts, and are relatively inexpensive to repair.
Does the insurance group determine my premium?▼
The insurance group is one of many factors. Your premium also depends on your age, driving history, postcode, annual mileage, occupation, and whether you have no-claims bonus. A low insurance group helps, but a young driver with a Group 1 car may still pay more than an experienced driver with a Group 20 car.
Can I check insurance groups for free?▼
Yes. Our insurance group estimate is included in every free car check. Enter a reg plate to see the estimated group alongside MOT history, reliability score, running costs, and more. No signup or payment required.
What cars are in the highest insurance groups?▼
Groups 45-50 include high-performance and luxury vehicles: Porsche 911, BMW M Series, Mercedes AMG models, and supercars. These have powerful engines, expensive parts, and high repair costs. Insurance for these vehicles can be several thousand pounds per year.
Check your car's insurance group now
Enter any UK reg plate for instant results. Insurance group, MOT history, reliability, and more. All free.