The Independent’s journalism is supported by our readers. When you purchase through links on our site, we may earn commission. Why trust us?
Vehicles in the UK fall into one of 50 insurance groups that determine the cost of cover. More affordable and lower-risk cars slot into the lower groups, while high-performance and luxury models sit in the upper groups that bring pricier insurance premiums. Insurance group 20 contains family cars and executive saloons that balance practicality and performance.
Example models in group 20 are as follows:
These group 20 cars balance affordability and premium features. While more expensive to insure than smaller city cars, group 20 vehicles remain relatively affordable options for buyers wanting more space or performance versus very basic small hatchbacks.
Factor | Description |
---|---|
Engine size | Group 20 cars typically have 2.0-3.0-litre petrol or diesel engines. More powerful units increase costs. |
Repair costs | Replacement parts for group 20 models from mainstream brands such as Volkswagen and Ford are reasonably priced. However, luxury makes such as BMW and Audi have more expensive components. |
Safety | Group 20 cars come equipped with standard safety features such as front, side and curtain airbags; ABS brakes; rear parking sensors; rear-view cameras; lane departure warning systems and engine immobilisers. Having more advanced safety technologies installed can help lower insurance premiums by reducing the risk of accidents and injuries. |
Performance | With 0-60mph times around 6-8 seconds and top speeds of 130-140mph, group 20 cars have strong performance. This raises insurance costs compared to lower groups. |
Theft appeal | Family cars and executive saloons are moderately appealing targets for thieves. Sports cars and luxury SUVs are most at risk. |
Driver profile | Insurers see group 20 cars as suitable for families and business/executive motorists. Premiums are higher for young or inexperienced drivers. |
Group 20 cars are most attractive for: