The Independent’s journalism is supported by our readers. When you purchase through links on our site, we may earn commission. Why trust us?
All vehicles driven in the UK get categorised into one of 50 insurance groups, which plays a big role in insurers determining the cost of cover. Affordable, low-risk cars are in lower groups, while high-powered and luxury models fall into the upper groups that bring higher insurance rates. Insurance group 3 contains reasonably priced hatchbacks and other small cars that balance practicality and affordability, and driving one may help you secure a cheap car insurance quote.
Car insurance group 3 includes affordable small cars like superminis and city runarounds. Models include the following:
Group 3 consists of common small hatchbacks from well-known brands. Their compact size and unremarkable specs ensure affordable insurance.
| Factor | Description |
|---|---|
| Engine size | Group 3 cars have small 1.0-1.2-litre petrol engines, costing less to repair than larger motors. |
| Repair costs | Basic construction using common parts keeps group 3 premiums low. |
| Safety | Core features such as airbags come as standard. Less safety tech means a lower risk. |
| Performance | Group 3 cars offer modest performance, unlike sporty premium models. |
| Theft appeal | Small hatchbacks attract minimal thief attention. However, the Ford KA has been targeted before. |
| Driver profile | Insurers associate group 3 cars with young drivers. Premiums decrease for older motorists. |
Group 3 cars suit:
You can determine your vehicle’s insurance group by inputting the make, model and registration year into a free online car insurance group checker tool.
Additionally, your insurance provider can verify the specific group under which your car is categorised. This assists in evaluating premium quotes since vehicles in higher groups usually have pricier insurance rates.
It’s vital to note that insurance groups are regularly re-examined and subject to change over time. For example, the Volkswagen Polo models shifted from insurance group 2 to group 3 in 2022 based on updated risk analysis. So, always confirm your car’s present group when renewing your policy to obtain accurate quotes.
In summary, group 3 vehicles present an optimal mix of affordability and practicality for motorists seeking low-cost insurance and ownership expenses.
