Hybrid car insurance groups
Quick answer
Hybrids generally sit close to their petrol equivalents on the 1–50 insurance group scale, and sometimes slightly above. The extra electrical hardware adds repair cost, but hybrids are rarely high-performance, and the self-charging ones are usually well equipped on safety — so they tend to cluster in the low-to-middle groups rather than the top.
Typical group range here
Groups 4–50
Typical annual estimate*
£230–£1595
*Estimate only, not a quote — driver aged 30–49, medium-risk postcode, comprehensive cover. The midpoint (27) sits in the medium band. How we calculate this.
Cheapest to insure here
| Model | Typical group range | Band | Typical cost* |
|---|---|---|---|
| Toyota Yaris | 4–15 | Very low | from £230 |
| Toyota Aygo | 6–13 | Very low | from £260 |
| Suzuki Swift | 8–24 | Low | from £295 |
| MG ZS | 9–22 | Low | from £315 |
| Toyota Auris | 10–19 | Low | from £330 |
*Estimate only, not a quote — based on the lowest trim in each model's range.
Mild hybrid, full hybrid and plug-in are not the same thing
A mild hybrid (often badged mHEV) adds a small motor that assists the engine but never drives the car alone — its group is usually within a point or two of the plain petrol version. A full hybrid can run briefly on electric power and carries more hardware. A plug-in hybrid adds a much larger battery and charging system, and typically sits highest of the three because there's more to damage and more to repair.
Why hybrids rarely reach the top groups
The factors that push a car towards group 40–50 are performance, high new-car value and expensive, slow repairs. Most mainstream hybrids are tuned for economy rather than speed, which keeps the performance pillar down. Where a hybrid does sit high, it's usually a large premium model or a performance hybrid, not the drivetrain on its own.
Highest-group models here
- Land Rover Defender — up to group 50 (very high band)
- Land Rover Range Rover — up to group 50 (very high band)
- Porsche Cayenne — up to group 50 (very high band)
All 39 models we cover here
- Toyota Yaris (4–15)
- Toyota Aygo (6–13)
- Suzuki Swift (8–24)
- MG ZS (9–22)
- Toyota Auris (10–19)
- Honda Civic (10–32)
- Renault Captur (10–18)
- Volkswagen Golf (10–37)
- Vauxhall Astra (10–24)
- Kia Ceed (10–26)
- Ford Puma (11–28)
- Toyota Corolla (12–22)
- Skoda Octavia (12–29)
- Hyundai Tucson (13–25)
- Ford Kuga (14–27)
- Kia Sportage (14–27)
- Toyota C-HR (14–24)
- MG HS (14–22)
- Lexus CT200h (15–21)
- Volkswagen Tiguan (15–28)
- Peugeot 3008 (15–26)
- Kia Niro (15–26)
- Toyota RAV4 (17–28)
- Honda CR-V (17–28)
- Volvo V60 (17–29)
- Mini Countryman (18–35)
- Mercedes-Benz A-Class (19–35)
- Audi Q3 (20–42)
- BMW X1 (21–36)
- BMW 3 Series (22–43)
- Kia Sorento (22–32)
- Audi A4 (24–43)
- Mercedes-Benz GLA (25–46)
- Land Rover Range Rover Evoque (25–36)
- Mercedes-Benz CLA (26–45)
- Mercedes-Benz C-Class (28–46)
- Land Rover Defender (36–50)
- Land Rover Range Rover (40–50)
- Porsche Cayenne (40–50)
How these ratings are set
Every figure here comes from the same ABI/Thatcham 1–50 scale used across the site — there is no separate scale for a body style or a brand. See how insurance groups are decided for the rating factors behind each number, or car insurance groups explained for the wider picture. For model ranges launched since August 2024, check our Vehicle Risk Rating guide — those cars are increasingly rated on a different framework.
Frequently asked questions
Are hybrids cheaper to insure than petrol cars?
Not usually cheaper on the group alone — hybrids often sit level with or slightly above the equivalent petrol trim because of the extra electrical hardware. Any saving tends to come from running costs rather than the insurance group.
Do plug-in hybrids have higher insurance groups than full hybrids?
Generally yes. A plug-in carries a much larger battery and a charging system, which adds both value and repair complexity — both of which push the group up relative to a self-charging hybrid of the same model.
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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.