You are probably here because you have been wondering ‘what insurance group is my car in?’. If you have been doing research on insurance for your car in the UK, you have likely come across some information regarding the car insurance groups, and the revised 1-50 rating scale. However, a more direct approach to car insurance, such as simply going straight to Aviva.co.uk, may not yield any specific information regarding this rating scale, which essentially tells you how expensive your insurance will be based on what make and model your vehicle is. It’s a fairly simple system – essentially, cars at the lower end of the scale, toward group 1, will have the most affordable insurance policies, whereas higher-end vehicles, toward group 50, will require far more expensive insurance.
It’s fairly interesting, actually, to do some looking around in this scale to see where different sorts of cars you may be interested in are grouped. For example, many cheaper, more basic cars that you see frequently out and about on the road can be found in the early groupings – typically, Volkswagens, Vauxhalls, Toyotas, and other cars that fall within similar categories. Meanwhile, the middle of the list is made up of slightly more expensive and luxurious vehicles – for example, in Car Insurance Group 22 you will notice a few MINI Coopers, and in Group 25 you will find some cheaper luxury vehicles, such as the Audi A3 Sportback. And finally, at the top groupings you will find some of the newest and most expensive cars on the market, such as various Porches and Maseratis.
Fortunately, if you take a closer look at these groupings, you will find that the numbers are not based solely on car expense. Of course, the overall trend is that newer, nicer, and more expensive cars tend to be grouped higher, and will thus have more expensive insurance prices. The same is true in reverse, for the most part. However, you can find powerful, high-performance and highly desirable cars in lower insurance groupings here and there. For example, you will find the BMW 1 Series, currently available new in the UK at roughly £20,000, as low as Group 17. Or if you wish to go even lower, you may notice that in Group 10, you can find cars as nice as the Audi A1, available at £16,610.
Ultimately, as mentioned, these car insurance groups can be interesting to look through, and they do indeed show an overall trend of nicer cars having costlier insurance policies. However, that is no reason to limit your search for a new car to just the lower groups. As demonstrated above, it is perfectly possible to find good insurance policies in relatively low groups for powerful, high performance, luxury vehicles. All you need to do is comb through this group listings a bit, and you will find a number of surprisingly well-placed nice cars.