What Cars Are In Insurance Group 1?
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You find it very hard to save money on your car insurance premium? But is it really?
One of the key factors affecting your insurance bill is the car insurance group your vehicle belongs to.
If you're buying a car and you want to find the cheapest insurance policy, you may want to pick a band belonging to a low insurance group. Then you can see how much it will affect your insurance quotes.
Let us guide you through the ultimate car insurance group 1 review in 2024.
What are the car insurance groups?
Any motor car registered in the UK belongs to a specific car insurance category. Which group it belongs to depends on different criteria including the car’s value, performance, and the ease and cost of vehicle repairs.
This range of factors gives providers an indicative level of your car insurance risk.
Vehicle insurance groups are ranked by the Group Rating Panel (composed of members from the Association of British Insurers - ABI) and administered by Thatcham Research, an independent and neutral organisation paid by insurers as a group . The GRP provides the group rating scheme for private and light commercial vehicles.
Car groups range from Group 1, the cheapest cars to insure, to Group 50, the most expensive ones.
Good to know
The more rare, expensive or powerful your car is, the higher is the risk and the group - and so is your insurance premium!
Find the car insurance that suits you best in just a few seconds!
- E : exceeds requirements of security ;
- A : acceptable ;
- P : not enough data yet to attribute a final letter ;
- D : car model doesn’t meet security standards ;
- U : car model is far from security standards ;
- G : for import cars.
Each car insurance group also gets a letter indicating how standard security features are covered.
>> MORE: consult our guide on car insurance groups.
What does car insurance group 1 mean?
Your car falls into Group 1 insurance cars ? Lucky you ! You may already get one of the best rates in the market for your insurance premium.
Group 1 includes all the cheapest cars to insure. The main characteristics of Group 1 insurance cars are :
– low price – new cars valued around £ 10 000 ;
– 80 bhp acceleration ;
– simple models to repair with fewer devices and lower spec.
The best small cars from major manufacturers often qualify for insurance Group 1 for cars, and they also benefit from an extended dealership and repair network, plus parts are affordable and easy to find.
That said, there are plenty of other ways to cut your insurance bills such as paying a higher excess, building up a No Claim bonus, reducing your annual mileage or comparing car insurance policies by shopping around!
>> Get our 13 ways to lower your car insurance for 1.
Which cars are in insurance group 1?
This is the cars list in car insurance group 1:
| Make | Model | Submodel | Version |
|---|---|---|---|
| Chevrolet | Spark | Hatchback 2010 |
|
| Citroën | C1 | Hatchback 2005 |
|
| Fiat | Panda | Hatchback 2004 |
|
| Ford | Ka | Plus 2016 |
|
| Hyundai | i10 | Hatchback 2014 |
|
| Kia | Rio | Hatchback 2011 |
|
| Nissan | Micra | Hatchback 2017 |
|
| SEAT | Mii | Hatchback 2012 |
|
| Skoda | Citigo | Hatchback 2012 |
|
| Skoda | Fabia | Hatchback 2015 |
|
| Smart | Forfour | Hatchback 2015 |
|
| Vauxhall | Corsa | Hatchback 2006 |
|
| Volkswagen | Fox | Hatchback 2006 |
|
| Volkswagen | Polo | Hatchback 2017 |
|
| Volkswagen | Up | Hatchback 2012 |
|
You would like to know which insurance group your vehicle is in? Use our car insurance group checker tool!
How much will a group 1 car insurance cost me?
Car insurance quotes vary with all sorts of factors such as drivers’ age range, address, driving experience and history and last but not least, the details of the car that is going to be insured.
You will find below indicative average price table from 5 of the most famous UK providers, for group_number insurance cars depending on age range.
| Age range |  |  |  |  |  |
|---|---|---|---|---|---|
| 18 years old | £3720 | £1 495 | £1 470 | £1 360 | No quote |
| 25 years old | £2 440 | £940 | £945 | £885 | £1 060 |
| 45 years old | £608 | £440 | £445 | £438 | £350 |
Find the car insurance that suits you best in just a few seconds!
How to compare car insurance quotes?
To insure a vehicle from insurance group_number, you may want to compare quotes from different providers of the market (Admiral, Tesco, Elephant, Diamond etc.). Prices and level of coverage in front may however be very different from one to another.
You can use our comparator. Answer 5 anonymous questions (type of car, age, address, type of cover wanted and driving history) and compare real quotes from all the main providers of the market.
Top 10 cheapest cars to insure
Whether you are a 17 year old driver, a learner driver with less than a year holding your licence, or an experienced driver with a clean licence, the cheapest cars to insure will always be the same.
You will find below a list of most famous car manufacturers and models from lower car insurance groups (Group 1 or Group 2) well known to be getting cheap quotations from providers (depending on the trim you choose):
– Volkswagen Polo
– Skoda Citigo
– Volkswagen Up
– Hyundai i10
– Nissan Micra
– Ford Ka+
– Ford Fiesta
– Vauxhall Corsa
– Skoda Fabia
– Toyota Yaris
Is Group 1 car insurance a good option for young drivers?
Cheaper cars from insurance Group 1 can be a very good option for young and learner drivers as it would help them reducing their car insurance quotes, well known to be very expensive for those higher risk profile.
Young or new drivers may, with some providers, even benefit from a 12 months free insurance contract in exchange of a 4 year contract plan.
