*Updated March 2026*
Summary: You can find your car insurance group using a free UK checker by entering your registration number or vehicle details.
To find your car insurance group in the UK, use a free online checker such as Compare the Market or Parkers and enter your car’s make, model, year, and engine details. You can also find your insurance group listed on your insurance policy documents. Some insurance group checkers also allow you to enter your car registration number to find your exact model and insurance group automatically.
Insurance groups are set by the Group Rating Panel, which includes members of the UK insurance industry.
Cars are rated from 1 (cheapest to insure) to 50 (most expensive to insure).
Use a free car insurance group checker in the UK:
If you already have car insurance and want to know what group your car is in, your insurance policy document should list this.
Summary: Follow these steps to quickly find your car insurance group using a free UK checker.
Quick Answer: Your car’s insurance group reflects its risk level and directly affects how much you will pay for insurance.
Your car’s insurance group determines how expensive it is to insure. Lower groups (1–10) are cheaper, while higher groups (40–50) are more expensive due to performance, repair costs, and risk.
Knowing your insurance group can help you compare cars, estimate insurance costs, and choose a vehicle that fits your budget.
Use a free UK car insurance group checker such as Compare the Market, MoneySuperMarket, or Parkers to find your vehicle’s insurance group.
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Car insurance varies depending on your vehicle. When it comes to deciding who pays what, insurance groups are used to place cars into different brackets. This is then used to decide how much insurance you pay. We’ve taken a deep dive into insurance groups, how they work and the best groups for cheap car insurance. For other top tips on cheap car insurance, visit our handy guide.
Quick Answer: Factors such as engine size, safety, repair costs, and vehicle history all influence your car’s insurance group.
Factors that affect your insurance group include:
Engine size.
Emissions.
Make and model accident history.
Vehicle age.
Safety rating.
Size.
Repair time and availability of parts.
Security features.
Quick Answer: An ‘E’ rating indicates enhanced security features that may help reduce your car insurance costs.
Some cars include a letter 'E' after the group number. For example, your card could be in group 4E. What this means is that the car's security features exceed the standard for that group, which can help bring insurance costs down even further.
Top tip: keep an eye out for a letter E on the vehicle document insurance category, as this can help you save some much needed cash.
Quick Answer: Insurance groups classify vehicles based on risk, helping insurers set premiums for similar types of cars.
Insurance groups help separate cars into different groups based on factors like engine size and emissions. Depending on which band you end up in, your insurance will be similar to other cars in the same group as you. However, if your car is in one group and you’re interested in a car in a different group, be aware that the insurance rates could differ massively. A car that is seen as more likely to cause collisions (one with a poor safety rating or history of crashes) will be placed in a group with similar cars and will likely have a high insurance cost.
Quick Answer: Car insurance groups range from 1 (cheapest) to 50 (most expensive), with each group representing the relative cost and risk of insuring that vehicle.
There are ten different insurance groups ranging from 1-50. As the number increases, as does the cost of car insurance. So, if you’re looking for a car with cheap insurance, we’d recommend going with a model that features in the first few insurance bands. Let’s take a look at each group and the type of car you will usually find in each.
|
Insurance Group Range |
Typical Cars | Insurance Level |
| 1 | Citroen C1, Fiat Panda, Hyundai i10, Nissan Micra. | Cheapest |
| 2-4 | Citroen C3, Fiat 500 C, Dacia Sandero, Ford Fiesta. | Very Low |
| 5-10 | Fiat 500 Hatchback, Vauxhall Corsa Hatchback, Ford Ka, Seat Ibiza, Renault Clio, Mini Countryman, Skoda Fabia Hatchback, Audi A1 Hatchback, Volkswagen Golf Plus, Nissan Juke, Skoda Fabia (2021-2022). | Low |
| 11-15 | BMW 2 Series, Ford Fiesta ST-Line, Mazda CX30, Kia Sportage, Mazda 2 Hybrid Pure 2022, Peugeot 208 Active Premium + PureTech, BMW 1-Series, Mercedes-Benz A-Class, Audi A1 Competition Line, Volkswagen Polo BlueMotion TDI. | Low-Medium |
| 16-20 | Nissan Qashqai N-Tec, Seat Leon SE Dynamic TDI, Audi A3 Sport NAV TFSI, Volkswagen Golf SE TDI BlueMotion, Jeep, Wrangler Rubicon, Citroen C4 Exclusive, Mercedes-Benz A-Class Hatchback, BMW 1-Series Hatchback 118i Sport, Audi A4 Sport TDI, Volvo V40 SE Lux. | Medium |
| 21-30 | Land Rover Discovery Sport, Audi A4, Jaguar XE, Honda CR-V, Audi A1 Sportback, Ford S-Max, Mazda MX-5, Range Rover Evoque, BMW X1, Alfa Romeo Giulia, Volkswagen Polo GTI, BMW 3-Series. | Medium |
| 31-40 | BMW X4 Series, Jaguar E-Pace, Audi TT, Volkswagen Golf, Jaguar XF Saloon, Jaguar E-Pace SUV, Mercedes CLA Coupe, BMW 3-Series Saloon, Audi A3 RS3, Jaguar XF Sportbrake. | Medium - High |
| 41-50 | Audi A5 Sportback, BMW 4 Series Convertible, Porsche Cayenne SUV, Range Rover Velar, Audi A7 Sportback, Lotus Elise, Jaguar F-Type, Mercedes GLE SUV, BMW i8, Jaguar XE. | High |
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A Ford Fiesta typically falls between insurance groups 5–15 depending on the model, engine size, and trim level.
A Vauxhall Corsa is typically in insurance groups 3-14, depending on the model, engine size, and trim level.
A Volkswagen Golf is typically in insurance groups 10-25, depending on the model, engine size, and trim level.
Ford Focus ranges from insurance groups 7 to 26, with high-performance models like the ST being more expensive to insure.
Nissan Qashqais vary from insurance group 13-26, with more popular models sitting in groups 13-21.
BMW 1 Series models fall in groups 12 to 41, depending on the model, engine size, and trim level.
The Audi A3 models fall in groups 14 to 41, depending on the model, engine size, and trim level.
The Mercedes A-Class models fall in groups 14 to 37, depending on the model, engine size, and trim level.
Newer Toyota Yaris models fall in groups 11 to 16, depending on the model, engine size, and trim level. Older models sit in groups 3-12.
The Hyundai i10 is one of the cheapest cars to insure in the UK, with models sitting in groups 1-4, depending on the model, engine size, and trim level.
Yes, you can check your car insurance group using your registration number with many online tools.
Most car insurance group checkers in the UK allow you to enter your number plate, which automatically identifies your vehicle’s exact make, model, engine, and trim. This is often the quickest and most accurate way to find your insurance group, as it removes the need to enter details manually.
Once your car is identified, the tool will show your insurance group, typically on a scale from 1 (cheapest to insure) to 50 (most expensive).
If you do not have your registration number, you can still check your insurance group by entering your vehicle details manually, including make, model, year, and engine size.