Insurance group 13: what it means & typical cost

What does group 13 mean?

Popular family hatchbacks and small SUVs cluster here — modest performance and repair costs keep premiums below average. Ratings on this 1–50 scale come from the Group Rating Panel — run jointly by Thatcham Research and the ABI — so group 13 means the same thing whichever car carries it, whether it's a compact hatchback or a performance model. Read our insurance groups explained guide for how the panel scores every car.

Groups 11–15 sit closest to it in cost, so they're worth comparing if you're weighing up a slightly cheaper or slightly pricier trim.

How much is insurance group 13?

On our published methodology, the insurance group 13 average cost is about £480 a year for a driver aged 30–49 in a medium-risk postcode on comprehensive cover, with most quotes falling between £380 and £600. That is the insurance group 13 cost before any no-claims discount is applied, so a settled driver with several claim-free years should expect to pay less than the midpoint. Age changes the picture completely: the same car gives a group 13 insurance cost of roughly £1,290 for a 17–20-year-old.

So is group 13 insurance expensive? Measured against the rest of the scale, it is below average. Group 25 is the midpoint of the 1–50 scale, so a car rated here costs less to cover than most cars on UK roads. For context, our estimates put group 1 at around £220 a year and group 50 at around £1,275 on the same assumptions, which places group 13 in the low band. The insurance group 13 price you are actually quoted will also move with your postcode, mileage, claims history and excess — the group sets the car-side base rate, not the final figure.

You will often see this written with a letter on dealer listings and quotes, as group 13E. The insurance group 13E cost is identical to plain group 13: the letter identifies which derivative was rated, not a separate price band. However you phrase it — an insurance group 13E average cost, an insurance group 13E price, or a 13E insurance group cost — you are asking about the same figure above.

Prefer to run the numbers on your own circumstances? The car insurance group 13E cost calculator on our pricing page lets you change the age band, postcode risk and cover type rather than accepting our midpoint. One thing we cannot give you is a car insurance quote for group 13E itself — no one can, because a quote prices the driver as well as the car, and the group is only the vehicle half of it.

The estimator sits on our group-by-group pricing page, and the insurance group prices table shows all fifty groups side by side. For the factors that sit outside the car entirely, see what affects car insurance price.

Example cars in insurance group 13

These models from our dataset typically fall in or around group 13 — trim and engine choice can move a specific car up or down within its range, so always check the variant table on each model's own page:

• Ford Fiesta — typically groups 2–20
• Ford B-Max — typically groups 9–17
• Ford C-Max — typically groups 12–21
• Ford EcoSport — typically groups 11–19
• Ford Fusion — typically groups 7–14
• Vauxhall Corsa — typically groups 2–17
• Vauxhall Adam — typically groups 8–15
• Vauxhall Insignia — typically groups 13–24
• Vauxhall Crossland — typically groups 10–18
• Vauxhall Vectra — typically groups 9–19
• Vauxhall Zafira — typically groups 11–20
• Mini One — typically groups 12–18
• Seat Ibiza — typically groups 4–17
• Seat Arona — typically groups 10–19
• Nissan Qashqai — typically groups 13–26
• Nissan Juke — typically groups 11–21
• Nissan Note — typically groups 8–15
• Toyota Yaris — typically groups 4–15
• Toyota Corolla — typically groups 12–22
• Toyota Auris — typically groups 10–19
• Volkswagen Polo — typically groups 4–19
• Volkswagen Beetle — typically groups 13–22
• Volkswagen T-Roc — typically groups 12–22
• Audi A1 — typically groups 10–20
• Audi A3 — typically groups 13–32
• Honda Civic — typically groups 10–32
• Mazda 2 — typically groups 5–14
• Mazda 3 — typically groups 11–21
• Hyundai Kona — typically groups 12–22
• Skoda Kamiq — typically groups 11–18
• Renault Kadjar — typically groups 12–20
• Renault Captur — typically groups 10–18
• Volvo V50 — typically groups 13–21
• Peugeot 307 — typically groups 7–15
• DS Automobiles DS3 — typically groups 9–19
• Volkswagen Golf — typically groups 10–37
• Ford Focus — typically groups 9–33
• Vauxhall Astra — typically groups 10–24
• Ford Puma — typically groups 11–28
• Vauxhall Mokka — typically groups 11–23
• Toyota Aygo — typically groups 6–13
• Skoda Fabia — typically groups 2–14
• Suzuki Swift — typically groups 8–24
• Hyundai Tucson — typically groups 13–25
• MG ZS — typically groups 9–22
• Skoda Octavia — typically groups 12–29
• Peugeot 208 — typically groups 8–20
• Peugeot 2008 — typically groups 13–22
• Kia Ceed — typically groups 10–26

Why some group 13 cars show a letter, like 13E

You may see group 13 written with a letter suffix, such as 13E or 13D — the letter flags a specific trim or derivative, not a different cost scale. See our insurance group letters explained guide for what that means in practice.