Car insurance groups list — full 1–50 table

How to read the UK insurance groups list

Every car sold in the UK is assessed by the Group Rating Panel — run jointly by Thatcham Research and the Association of British Insurers (ABI) — and placed into one of 50 insurance groups. The panel scores each car on repair costs, parts prices, performance, security, safety and (from August 2024) the newer Vehicle Risk Rating (VRR) criteria for newly launched model ranges. See how insurance groups work for the full methodology.

Insurers use this insurance group list, or their own equivalent internal data, as one input among many when pricing a policy — alongside your age, postcode, claims history, annual mileage and more. That's why our prices table shows a range, not a single number: your actual quote will always depend on your personal circumstances too. If you only care about the cheapest end of the scale, see cheapest car insurance groups instead of scrolling the full list.

What the prices table can and can't tell you

It is worth being straight about this, because people often go looking for the best car insurance group prices table expecting one authoritative set of figures to exist. It doesn't. No official body publishes average premiums per insurance group — not the ABI, not Thatcham, not the FCA. Any insurance group costs table you find online, including ours, is somebody's estimate.

What makes ours useful is that the calculation is published rather than asserted. Every figure comes from the documented methodology: a base rate per group, then multipliers for driver age band, postcode risk, car age and cover type. You can see exactly why group 30 shows what it shows, and you can change the assumptions yourself in the estimator above. That makes the table a reliable way to compare one group against another, which is the question most people actually have — and an unreliable way to predict your own renewal, which it was never built to do.

A couple of practical notes on reading it. If you were after an insurance groups prices list rather than a table, it is the same data in a different shape — the sortable table is the list. And if you searched for something more specific, such as an insurance group 18E prices table, the letter makes no difference: row 18 is your answer, because the suffix identifies which derivative was rated rather than moving the car into a different price band. Our group letters guide decodes every lettered code we see searched.

Walking the list band by band

Fifty rows is a lot to read top to bottom, and you rarely need to. The scale divides naturally into five bands, and knowing which band you are shopping in is most of the work. The figures in each are the same estimates as the table above, and the example cars are drawn from the models we hold data for.

Why cars you'd expect to sit together don't

The single most common mistake when using this list is treating a model name as a row. Ratings are assigned per derivative — one specific engine, trim and equipment combination — so a popular nameplate does not occupy one position on the list. It occupies a stretch of it.

Our own data makes the point. The VW Golf runs from around group 10 on its entry engine to the high thirties as a Golf R — roughly twenty-seven positions on a fifty-row list, for cars that share a bodyshell and a badge. The Ford Fiesta spans the low single digits to the twenties once you reach the ST. Neither is an error in the list; both are the list working correctly on vehicles that genuinely differ in performance, parts cost and repair complexity.

There is a second, quieter version of the same trap. Two cars can share a position for completely different reasons — one because it is quick, another because it is slow but expensive to repair. That matters when you are trying to trade down, because the cheaper equivalent of a fast car is a slower trim of the same car, while the cheaper equivalent of an expensive-to-repair car is usually a different brand entirely. The factors behind each rating are what tell the two cases apart.

Lettered entries, and what they mean on this list

Dealer adverts and insurer quotes often write a group with a letter after it — 12E, 21A, 45D, 50P. The number is the row on this list; the letter identifies which derivative the rating was calculated for. It does not move the car into a different cost band, so if you arrived looking for an insurance group 18E prices table, row 18 above is your answer.

There is no single published, market-wide definition for E, U, A, D, P or G, and we do not invent one. Our group letters guide decodes every lettered code we see searched, with the underlying group and typical cost for each.

The list is national, and a car's place on it is fixed

Two properties of this list are worth stating plainly, because a great deal of confusion comes from assuming otherwise. First, it is national. There is no separate list for London, for Scotland or for Northern Ireland. The same car occupies the same row everywhere in the UK; your postcode is priced on top of the group, not into it.

Second, a car's position is effectively permanent. Once the Group Rating Panel has rated a derivative, that row does not change as the car ages, as you modify it, as you move house, or as you fit a black box. New derivatives are added to the list continuously, so the list grows — but existing entries are not rewritten. That permanence is what makes checking the group worthwhile before you buy: a low-group car bought today is still a low-group car in five years. See whether an insurance group can change for the full set of things people expect to move a rating, and the one case where it genuinely does.

Where this list stops: Vehicle Risk Rating

The 1–50 scale covers model ranges that were on sale before August 2024, which is virtually every used car in the UK. It does not cover everything. Model ranges launched from 1 August 2024 onwards are rated under Vehicle Risk Rating instead — a 1–99 framework that scores five separate pillars rather than producing one blended number.

The practical consequence for anyone using this page: if you look up a genuinely new model and find nothing, the row is not missing, it does not exist. We would rather tell you that than show you a borrowed number. The two scales also cannot be converted into one another — they have different ranges, different structures and are applied to different sets of cars — which is set out in VRR vs insurance groups.

Four mistakes to avoid when using the list

Reading the model instead of the derivative. Covered above, and worth repeating because it causes more wrong answers than everything else combined. Check the engine and trim on the advert, not the nameplate.

Treating the cost column as a quote. The figures here are a like-for-like comparison between groups at one reference driver profile. They are deliberately unsuitable for predicting your own renewal, which depends on your age, postcode, mileage, claims history, excess and cover type — see what affects car insurance price.

Chasing group 1. Very few cars are rated there, and the ones that are tend to be small and old. Decide the highest group you will pay for, then buy the best car at or below it.

Checking after buying. The group is fixed for the life of the car and cannot be improved later, so it is the one decision here worth taking slowly. Our guide to checking the group before you buy sets out the pre-purchase sequence, and how to check a car insurance group compares the four ways of looking one up.

A note on terminology: the many names for this list

There is no standardised name for any of this, which is a genuine source of confusion rather than just an SEO curiosity. “Group”, “band”, “bracket”, “class” and “category” get used interchangeably in adverts and forum posts even though some of them mean different things — groups vs bands vs categories untangles those. The same goes for the page itself.

UK drivers describe this page many different ways — a list of car insurance groups, an insurance car groups list, an insurance groups for cars list, an insurance groups cars list, an insurance group cars list, insurance groups car, insurance car groups, cars insurance groups, cars insurance group, or simply the groups of car insurance. Whichever phrase you used, or however you'd search car insurance groups UK, a car insurance groups UK list, a UK insurance groups list, a UK car insurance groups list, insurance groups UK list, insurance groups in UK, insurance groups cars UK or a UK insurance group list, it's the same dataset above.

The chart and table cover the same ground people search as a car insurance group prices table UK, an insurance group prices table UK, an average insurance group prices table, a car insurance group table, an insurance group table, an insurance group price table, car insurance groups prices, a car insurance groups table, or a car insurance group prices table UK 2023 — the figures are kept current rather than tied to any one year. If you just want to see a group of cars, or browse cars by insurance group, the sortable table is the fastest way in.

Looking for a specific car rather than a group number? Use the reg or make-and-model checker on our homepage — it links straight into this same dataset, car groups and vehicle groups included, whatever you happen to call it.