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The Association of British Insurers assigns car insurance groups. The group assignment can have a significant impact on the cost of cover. Vehicles are ranked from 1-50 based on factors that determine premiums.
More luxurious high-performance models sit in the upper groups with pricier insurance. This article focuses on group 14, a moderately priced category including family hatchbacks, small SUVs and executive saloons. While more powerful than lower groups, these mainstream models keep insurance relatively affordable compared to elite marques in higher brackets.
Car insurance group 14 contains a range of family hatchbacks, small SUVs and executive cars, such as the following:
| Factor | Description |
|---|---|
| Engine size | Group 14 cars tend to have 1.4-2.0-litre petrol or diesel engines. More power means higher premiums than lower groups. |
| Repair costs | Hatchback body styles are inexpensive to repair. Premium brand parts can be pricier. |
| Safety features | These models offer core safety tech such as airbags and stability control. More advanced systems increase premiums. |
| Performance | Faster acceleration and higher top speeds bring added risk versus lower groups. But group 14 is not high performance. |
| Threat of theft | Some group 14 models, such as the Volkswagen Golf, are targeted by thieves, increasing premiums. Others less so. |
| Driver profile | Insurers see these cars as suitable for a wide range of drivers, unlike the lower groups aimed at new drivers. |
Group 14 cars provide an affordable option for:
You can verify your car’s insurance group by entering its details into a free car insurance group checker. Insurers can also confirm the precise group for your vehicle.
Knowing the group is helpful for comparing premium quotes, as cars in higher groups typically have more expensive insurance. Groups are reassessed regularly, so always check your vehicle’s current group when renewing your policy.
In summary, group 14 provides a middle ground between basic cars and expensive premium models. For many drivers, they present an ideal blend of performance, practicality and affordable insurance.
