How Car Insurance Groups Affect Premiums

There are car insurance groups from 1 to 50. The car insurance group your car falls into will depend on many factors, including the car’s engine size, age, and make and model. We shall look at each of these main ones, in turn, to better understand just why our car ends up in a particular insurance group.

The good thing about insurance company websites, such as, is that you can obtain a quotation quickly and easily for a particular vehicle you might be interested in purchasing or changing to. This, in a sense, eliminates the need to know what vehicle group your vehicle might fall into. However, it is still a quick way of knowing whether you are likely to afford your new car and all the costs that go with it.

Engine Size

Vehicle engine size is one of the main factors that car insurance companies consider when determining premiums. The larger the engine, the more expensive it is to insure. This is because car insurance companies believe that those with larger engines are more likely to cause accidents. In addition, car insurance companies also believe that those with larger engines are more likely to be involved in accidents that result in injury or death.


The age of your car also plays a role in determining the car insurance group it falls into. Older cars are generally cheaper to insure than newer cars. This is because older cars are less valuable, and thus, car insurance companies believe that they pose less of a risk.

In terms of the vehicle grouping list, the age of a vehicle is determined by the model in many cases because that can be associated with a certain year of manufacture. Although, there are, of course, instances where the same model is produced for years with slight differences in design features added. Many of these vehicle updates can improve security, and so lower a vehicle group.

Make and Model

The make and model of your car can also play a role in determining the car insurance group it falls into. Certain makes and models of cars are more expensive to insure than others. This is because car insurance companies believe that certain vehicle types are more likely to be involved in accidents.

It is not always about the make but sometimes the particular model. This is because there will be luxury models produced as well as standard models. However, certain sports cars will automatically receive a high rating because all of their models will be considered high performance. This is a part of the reputation that is associated with the vehicles manufactured under a certain brand.


The luxury vehicle is a more expensive risk for insurers because of the cost of parts and often increased labour costs too. Everything on a luxury vehicle will tend to be more expensive to buy. An accident that just seems like a slight knock can end up an expensive repair for an insurer. A respray will cost more if a designer colour scheme has been applied. A fancy bumper will be something that does not come cheap when it has to be replaced.

High Performance

Generally, high performance will be linked to engine size but there can also be other features that are known to enhance performance, such as turbo. Anything that gives the engine more power will increase the number of the insurance group that the vehicle will end up listed in. In other words, nearer to 50 and far away from 1. Most motorists will find their vehicle placed mid-range.

Ultimately, the car insurance group your car falls into will affect your premium. Those in higher car insurance groups will pay more for their policy than those in lower car insurance groups. It is important to consider all of the factors that go into determining car insurance groups when shopping for a new car. By doing so, you can be sure to get the best deal on your car insurance.

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