Insurance groups by vehicle type & brand
Quick answer
Every UK vehicle is rated on the same 1–50 ABI/Thatcham scale, but different vehicle types and brands cluster in different parts of it. These hubs break down typical insurance groups by body type and fuel, and by manufacturer, with example models and costs for each.
By vehicle type
Electric car insurance groups
Groups 1–50 · 21 models
Electric cars aren't automatically in higher insurance groups than petrol equivalents — they're rated on the same 1–50 s…
Hybrid car insurance groups
Groups 4–50 · 39 models
Hybrids generally sit close to their petrol equivalents on the 1–50 insurance group scale, and sometimes slightly above.…
Small car insurance groups
Groups 1–24 · 26 models
Small cars dominate the bottom of the 1–50 scale. City cars and superminis have modest performance, low new-car values a…
Family car insurance groups
Groups 9–46 · 44 models
Family cars span the widest part of the 1–50 scale. A basic family hatchback can sit in the low teens, while the same mo…
7-seater insurance groups
Groups 11–37 · 5 models
Seven seats don't carry an insurance penalty of their own. Most MPVs sit in the mid-teens — close to the family hatchbac…
SUV insurance groups
Groups 9–50 · 40 models
SUV insurance groups vary more than almost any other body style — compact crossovers can sit as low as group 10, while l…
4x4 insurance groups
Groups 9–50 · 42 models
"4x4" overlaps heavily with SUVs and pickups in everyday UK use, so we group four-wheel-drive SUVs and pickups together …
Van insurance group
Groups 29–41 · 2 models
Vans and light commercial vehicles are rated on a related but separate goods-vehicle scale rather than the standard car …
By brand
We publish a brand hub where we cover enough of that manufacturer's range to make it genuinely useful. For anything not listed here, use the full model index or check a specific car by reg.
Ford insurance groups
Groups 2–41 · 10 models
Vauxhall insurance groups
Groups 2–24 · 8 models
Volkswagen insurance groups
Groups 1–37 · 10 models
Toyota insurance groups
Groups 4–38 · 9 models
Kia insurance groups
Groups 1–32 · 5 models
Hyundai insurance groups
Groups 1–25 · 4 models
BMW insurance groups
Groups 18–43 · 4 models
Audi insurance groups
Groups 10–43 · 4 models
Mercedes-Benz insurance groups
Groups 19–46 · 4 models
Skoda insurance groups
Groups 2–29 · 4 models
Mini insurance groups
Groups 12–35 · 4 models
Land Rover insurance groups
Groups 25–50 · 4 models
Peugeot insurance groups
Groups 7–26 · 4 models
Tesla insurance groups
Groups 44–50 · 4 models
Nissan insurance groups
Groups 8–45 · 6 models
MG insurance groups
Groups 4–32 · 4 models
What each brand typically costs to insure
Every make in our dataset, cheapest first, with the span its models cover and a typical annual estimate at the brand's entry-level midpoint. Estimates only, not quotes — see the methodology.
| Brand | Models covered | Group range | Typical annual cost* |
|---|---|---|---|
| Dacia | 1 | 2–11 | £240 |
| Mitsubishi | 1 | 3–10 | £265 |
| Smart | 1 | 3–11 | £265 |
| Suzuki | 3 | 1–24 | £265 |
| Fiat | 3 | 1–24 | £330 |
| Seat | 2 | 4–19 | £350 |
| DS Automobiles | 1 | 9–19 | £390 |
| Vauxhall | 8 | 2–24 | £390 |
| Hyundai | 4 | 1–25 | £415 |
| Skoda | 4 | 2–29 | £415 |
| Mazda | 3 | 5–27 | £435 |
| Peugeot | 4 | 7–26 | £435 |
| Renault | 2 | 10–20 | £435 |
| Ford | 10 | 2–41 | £455 |
| Kia | 5 | 1–32 | £455 |
| Volkswagen | 10 | 1–37 | £455 |
| MG | 4 | 4–32 | £480 |
| Honda | 2 | 10–32 | £500 |
| Lexus | 1 | 15–21 | £520 |
| Volvo | 2 | 13–29 | £520 |
| Mini | 4 | 12–35 | £545 |
| Toyota | 9 | 4–38 | £545 |
| Audi | 4 | 10–43 | £565 |
| Nissan | 6 | 8–45 | £630 |
| BMW | 4 | 18–43 | £650 |
| Subaru | 2 | 14–34 | £650 |
| Mercedes-Benz | 4 | 19–46 | £735 |
| Land Rover | 4 | 25–50 | £885 |
| Polestar | 1 | 32–44 | £885 |
| Porsche | 1 | 40–50 | £1,060 |
| Tesla | 4 | 44–50 | £1,190 |
*Estimated at each brand's entry-level midpoint group for a driver aged 30–49 in a medium-risk postcode on comprehensive cover.
Brands without their own hub
We publish a brand hub only where we cover enough of a manufacturer's range for the page to be worth reading — a hub listing two cars would be thin content pretending to be a guide. For the remaining makes, the table above is the quick answer, and a few of the most-asked-about are worth a sentence each.
Fiat is the clearest case of a brand that is genuinely cheap to cover. So what is the average cost to insure a Fiat? Among the lowest of any mainstream make, because the cars are small, light and inexpensive to repair. The cost to insure a Fiat 500 in particular starts in the very lowest groups, though the electric 500e is rated far higher on battery and repair economics. Renault sits a little above Fiat but still in the affordable half of the market — the average cost of Renault car insurance lands below the mainstream average, with the Clio and Captur doing most of that work.
Suzuki, Dacia and Mitsubishi behave the same way for the same reasons: modest list prices, modest performance and cheap parts. At the other end, Porsche, Polestar and Subaru sit high because of value, performance and repair complexity respectively. In every case the rule from the rest of this site still applies — the derivative decides the premium, so a brand average is a starting point and never an answer.
Why vehicle type matters (and why it isn't the whole story)
The Group Rating Panel doesn't have a separate scale for SUVs or a discount for electric cars. Every vehicle is measured against the same criteria, so vehicle type only shows up indirectly: a large 4x4 usually has pricier parts, more weight to stop and more performance than a small hatchback, which is what pushes its group up. Read how insurance groups are decided for the full scoring breakdown.
That's also why a segment or brand average is only a rough guide. Two cars from the same manufacturer can sit twenty groups apart depending on engine and trim, so it's always worth checking the exact vehicle with our reg-based checker or the individual model and group pages.
Frequently asked questions
Does vehicle type change how insurance groups are calculated?
No — every car is scored on the same criteria on the same 1–50 scale. Vehicle type matters only because it correlates with those factors: bigger, heavier, more powerful vehicles usually cost more to repair.
Is there a separate insurance group scale per brand?
No. A brand hub simply collects that manufacturer's models in one place — the ratings come from the same ABI/Thatcham Group Rating Panel scale used for every other car.
Why do some brands span such a wide group range?
Because ratings are assigned per derivative. A manufacturer selling both small hatchbacks and performance models will naturally cover a huge span — the Volkswagen range alone runs from the low single figures to the high thirties.
Check your car's insurance group free
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Check my insurance group →Sources & further reading
- Thatcham Research — The motor insurers' automotive research centre. Co-runs the Group Rating Panel that sets UK insurance groups, and publishes the Vehicle Risk Rating (VRR) framework.
- Association of British Insurers (ABI) — The trade body for UK insurers. Co-runs the Group Rating Panel behind the 1–50 insurance group scale.
- DVLA — Get vehicle information — The official GOV.UK service for vehicle details by registration. Our checker uses the DVLA's Vehicle Enquiry Service API, the same underlying record.