Check your car insurance group
How car insurance groups are calculated and how they affect insurance
The Group Rating Panel is made up of representatives of the insurance industry and meets every month to determine car insurance groups. It assigns a group number between one and 50 to every model of vehicle. A group one vehicle would be in the lowest insurance group, group 50 the highest.
The main factor used by the panel to determine groupings is research conducted by the Motor Insurance Repair Research Centre (Thatcham). The categories used to calculate the ratings are:
Cars in lower groups attract cheaper premiums, but there are many factors affecting the price of insurance - read our guides to find out more
- Damage and parts costs
- Repair times
- Availability of body shells
Not all car insurance companies choose to use the groups set by the panel, with some opting to set their own groupings instead. But rating factors will be similar, and if you use the tool above to find your car's insurance group you will get a rough idea of how much you can expect to pay for cover. In our quotes process you can then quickly and easily compare over 130 insurance brands to find the right policy at the right price.
Whichever set of insurance groups an insurer uses, you'll typically find that cars in lower groups attract a cheaper premium. Cars in higher insurance groups attract a higher premium, usually because they are high-performance models or prestige cars that have expensive repair or replacement costs.
Bear in mind that making any non-factory-standard modifications to your vehicle is likely to override the standard group rating in the eyes of an insurer and there's a good chance that it will make the car more expensive to cover. In contrast, increasing the standard security on your motor may well help you to cut your premium.
There are many other factors affecting the price of motor insurance - read our guides to find out more and to help you get the right policy for your needs.