What insurance group does your car belong in?

Understanding your car’s insurance group can save you money and help you make smarter choices. For drivers in Staffordshire and beyond, here’s a quick guide to what insurance groups mean, how they work and why they matter.

What are car insurance groups?

Insurance groups are used by insurers to assess the cost of covering a specific vehicle. Managed by Thatcham Research, these groups range from 1 to 50. Lower numbers indicate vehicles that are cheaper to insure, often due to smaller engines, easier repairs or better safety features. High-performance or luxury cars fall into higher groups because of their costlier repairs and greater risks.

What factors determine insurance groups?

Several elements influence where a car is placed:

• Engine size and power – High-powered engines typically mean higher risk and higher groups.
• Repair costs and parts – Expensive or rare parts push vehicles into higher groups.
• Safety features – Cars with comprehensive safety systems often receive lower group ratings.
• Car value – Higher value means more expensive replacements and repairs, pushing vehicles into a higher group.
• Repair time – Longer, complex repairs raise group placement.

How do electric cars compare?

Electric vehicles (EVs) often fall into higher groups due to their advanced technology and the need for more specialised repairs. However, smaller EVs such as the all-new Kia EV3, may belong to lower groups. EVs also save money in other areas, like reduced maintenance and fuel costs, making them a great option for budget-conscious drivers.

What do insurance group letters mean?

Vehicles may also carry letter designations:

• E – Exceeds security standards; placed in a lower group.
• A – Meets standard requirements.
• D – Falls short, placed in a higher group.
• U – Poor security; requires upgrades for coverage.

Why it matters

Choosing a car in a lower insurance group can help reduce premiums. Kia models, for example, often include advanced safety features and come with a seven-year warranty, which can lower risks and insurance costs.

Want to learn more? Explore Kia’s car insurance options and contact Burton Kia to make informed, budget-friendly decisions today.