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Every car in the UK gets put in an insurance group from 1 to 50. The group depends on factors such as value, engine size, security and repair costs. A lower insurance group typically means cheaper car insurance. This article explores group 11, a mid-range bracket with popular models from leading brands such as Ford, Volkswagen and Toyota.
Typical group 11 cars include the following:
This group comprises modestly sized hatchbacks and family cars. Their solid but unexciting specs help keep insurance costs in check.
They usually have basic safety equipment, such as airbags, anti-lock braking systems (ABS) and immobilisers. Expect small 1.0 to 2.0-litre petrol engines with decent fuel economy. Popular add-ons can push cars into higher groups. Overall, group 11 vehicles make practical city runabouts or first cars.
| Factor | Description |
|---|---|
| Engine size | Most group 11 cars have 1.0 to 2.0-litre engines. More powerful units raise costs. |
| Repair costs | Affordable spare parts help keep premiums down. Complex bodywork repairs increase rates. |
| Safety features | Basic equipment such as airbags and ABS are common. More safety features mean lower risk. |
| Performance | With modest zero to 60mph times of around 11 seconds, group 11 cars have limited performance. Faster acceleration increases premiums. |
| Threat of theft | Hatchbacks have below average theft appeal. Sports cars and luxury SUVs are most targeted. |
| Driver profile | Insurers see these cars as suitable for new drivers and young families. Rates are higher for under 25s. |
While insurance group 11 cars cost more to insure than lower groups, their premiums can be affordable for:
Group 11 provides a good balance of features and insurance premiums for modest hatchbacks and family cars. Their solid but unremarkable performance helps keep insurance costs relatively low. For a practical first car or city commuter, group 11 offers affordable choices.
You can find your car’s group by using a free insurance group checker.
Insurers can confirm the exact group as well. Knowing your rating allows you to compare apples-to-apples premium quotes. Lower groups typically equal lower costs.
Remember, the Association of British Insurers constantly re-evaluates cars, so groups can change over time. For example, the Toyota Auris shifted from group 10 to group 11 in 2022. Check your vehicle’s current group when renewing to get accurate quotes.
In conclusion, Group 11 offers reasonably priced premiums for starter cars and nimble city run-arounds. The cars aren’t too thrilling, but their solid specs and affordability provide good value for drivers seeking an economical vehicle to insure.
