Back to blog

What insurance group is my car in?

Want to know how much your Renault Clio or brand-new Ford Focus is impacting your car insurance price? This blog has the answers.

When it comes to working out the price of your policy, insurance companies look at a lot of factors. Things like where you live, how often you drive, what car you drive and the level of cover you choose.

Your car's make, model and condition will determine which of the 50 car insurance groups your policy belongs to. Here’s what you need to know: 

How do the different insurance groups work? 

Group 1 is the cheapest insurance group while group 50 is the most expensive. 

The different groups factor in things like:

  • how much it will cost to repair your car if it gets damaged
  • how easy it is to find new parts to repair your car 
  • how secure your car is, in case of attempted theft 
  • how safe your car is to drive
  • how your car performs in terms of speed and power

What are the different insurance groups? 

We’re going to focus on the first 20 car insurance groups which cover the most common car makes and models.

Some car makes can belong to multiple groups. But, the cost of insurance will depend on the specific model you choose. That's because things like engine size differ between models.

Groups 1 - 5 

These are the most affordable car insurance groups - perfect for young and student drivers. Want to be in one of these groups? You need to be driving a small car that’s widely available and cheap to repair. Cars in this group are those reliable driving staples we all know and love. 

Example models: 

  • Groups 1-2: Fiat Panda, Skoda Fabio Hatchback, Ford Ka, Toyota Aygo, Vauxhall Corsa Hatchback
  • Groups 3-4: Renault Clio, Seat Ibiza, Toyota Aygo and Vauxhall Corsa, Skoda Fabia, Toyota Yaris
  • Group 5: Sandero, Ford KA Plus, Kia Picanto, Renault Clio

Groups 6 - 10


Cars in these groups are still affordable to cover, with policies costing less than the average price of car insurance. Want to fit into this bracket? You need to drive reliable and easy-to-come-by cars, similar to the ones in groups 1 - 5. But, you can choose something with a little more legroom. 

Example models:

  • Groups 6 - 7: Kia Rio, Peugeot 207, Nissan Micra, Vauxhall Corsa, Citroen C1, Renault Captur
  • Groups 8-9: Fiat 500 Pop Star, Mini Countryman, Toyota Corrola
  • Group 10: Hyundai i20, Skoda Fabia, Smart ForFour

Groups 11 - 15

If you want both performance and affordable car insurance, driving a car from one of these groups is your best bet. You’ll pay more to cover these cars than in ones in the lower groups, but you’ll get more legroom, boot space and better performance, too. 

Example models:

  • Groups 11-12: BMW 2 Series, Mini Hatchback, Nissan Qashqai, Mazda, Peugeot 308
  • Group 13: Mazda 2 Hybrid Vauxhall Astra Volkswagen Beetle
  • Groups 14-15: Audi A3, BM2 2-Series, Skoda Octavia

Groups 16 -20  

Cars in these higher groups will move you up on the insurance cost ladder. If your car is a member of these groups, your insurance premium will be slightly higher. That's because your car is typically larger, can go a little faster and costs more to repair. If you’ve got a family car, it’s likely to be in one of these groups.

Cars in groups 16-20 can still be affordable to cover if you’ve been driving for several years and have a proven claim-free driving history. At Marshmallow, we take into account your claim-free history from any country. This means you can save up to 45% on your policy.

Example models:

  • Groups 16-17: Audi A1, BMW 1-series Mercedes Benz B-Class, Mercedes Benz A-Class, Volvo V40
  • Groups 18-19: Citroen C4 Picasso, Jeep Wrangler, BMW 1-Series Hatchback
  • Group 20: Audi A3, Land Rover Freelander, Ford Mondeo

What's the average car insurance cost in the UK?


In early 2023, UK car insurance cost about £470 on average, as reported by the Association of British Insurers. Due to inflation, that number is higher than in previous years.

Remember, your car insurance group is just one of many factors that insurers consider when determining the cost of your policy. Things like your level of cover, add-on features and your driving experience all affect the price. 

If you are new to the UK, many insurers will charge you up to 45% more for car insurance because they don’t recognise your past driving experience from outside the UK. Here at Marshmallow, we look at all your driving experience, from any country to give you the best deal possible. 

Moved to the UK and want to save money on car insurance? Get a car insurance quote with us today