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What cars are in car insurance group 2?

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The Association of British Insurers categorises all vehicles into one of 50 groups, ranking them by factors that influence policy pricing, such as power and value. More luxurious models in higher groups carry pricier premiums than vehicles in lower groups, where you stand a better chance at getting cheap car insurance. Today’s guide will cover insurance group 2.

What cars are in insurance group 2?

Car insurance group 2 contains affordable cars to insure. These are mostly small city cars, superminis and some family hatchbacks, such as the following:

  • Toyota Yaris
  • Volkswagen up!
  • Nissan Pixo
  • Skoda Citigo
  • Smart Forfour
  • Citroën C1
  • Vauxhall ADAM
  • Hyundai i10

Factors determining insurance group 2

Factor Description
Engine size Group 2 cars have small petrol engines of 1.0-1.2 litres. These keep insurance costs low compared to larger engines.
Repair costs Cheap, readily available parts plus basic construction means group 2 cars cost little to repair. This reduces premiums.
Safety features Most group 2 models offer core safety equipment such as airbags and an anti-lock braking system. Less technology lowers associated risk and premiums.
Performance Group 2 cars are not high-performance models, keeping premiums affordable.
Threat of theft Small city cars hold little appeal for thieves. However, the Toyota Yaris has been targeted in the past.
Driver profile Insurers associate group 2 cars with young drivers. Premiums are lower for older motorists.

Who is group 2 cars most suitable for?

Group 2 cars are best suited for:

  • Young drivers: Their low cost makes them affordable first cars for teenagers and students
  • Low-mileage drivers: Group 2 cars are ideal for urban use or short commutes. They also have excellent fuel efficiency
  • Learners: Provisional licence holders can get affordable insurance for lessons and tests
  • City dwellers: Compact size and tight turning circles make parking and urban driving easy
  • Motorists on a budget: Low prices match low running costs, and these vehicles are cheap to fuel and maintain while offering a low tax burden
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Which car insurance group am I in?

You can find your car’s insurance group by entering its make, model and registration year into a free car insurance group checker.

Your insurer can confirm the exact group your car falls into as well. Knowing your insurance group assists in comparing premium quotes since higher groups typically bring more expensive premiums.

It’s important to note that insurance groups are continually reassessed and can change over time. For instance, the Mini Cooper moved from insurance group 2 to group 3 in 2022 based on the latest risk factors. So, always verify your car’s current group when renewing your policy to get precise quotes.

In summary, group 2 cars offer an ideal balance of affordability and practicality for drivers who want inexpensive insurance and low ownership costs.

Nick Jones

Editor in Chief

Nick Jones is a highly experienced consumer journalist and editor, who has been writing and producing content for print and online media for over 25 years.

He has worked at some of the UK’s leading publishers including Future Publishing, Highbury Entertainment, and Imagine Publishing, with publications as diverse as Homebuilding & Renovating, TechRadar, and Creative Bloq, writing and editing content for audiences whose interests include history, computing, gaming, films, and science. He’s also produced a number of podcasts in the technology, science, gaming, and true crime genres.

Nick has also enjoyed a highly successful career in content marketing, working in a variety of topics such as health, technology, and finance, with market-leading global companies including Cisco, Pfizer, Santander, and Virgin Media.

Now the Editor-in-Chief of the Independent Advisor, Nick is involved in all aspects of the site’s content, where his expertise in finance, technology, and home products informs every article that’s published on-site. He takes a hands-on approach with our VPN content, penning a number of the articles himself, and verifying that everything we publish in this topic is accurate.

Whatever the area of interest he’s worked in, Nick has always been a consumer champion, helping people find the best deals and give them the information they need to make an informed buying decision.