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You might not realise it, but a car’s insurance group plays a huge part in whether or not you can get a cheap car insurance quote. The Association of British Insurers assigns every vehicle to one of 50 groups, indicating the premium pricing for that model. Our guide focuses on group 4, one of the lowest and most affordable categories.
Insurance group 4 includes cars such as:
This group comprises basic but practical small cars and city run-arounds. Their low specs and modest performance result in lower insurance costs.
| Factor | Description |
|---|---|
| Engine size | Most group 4 cars have 1.0-1.2-litre petrol engines. Larger motors increase costs. |
| Repair costs | Parts are inexpensive given the simple mechanics and lack of luxury fittings. |
| Safety features | They include basic equipment such as airbags and immobilisers. More safety features mean lower premiums. |
| Performance | With zero to 60mph times of more than 12 seconds, group 4 cars have a very modest pace. This keeps insurance costs down. |
| Threat of theft | Small city cars are less appealing to thieves than expensive SUVs and executive saloons. |
| Driver profile | Insurers see group 4 cars as suitable for new and young drivers due to their low value and running costs. |
With insurance group 4’s low premiums, they can be affordable options for:
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.
Your insurance provider can also verify the specific group your car is categorised under. 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 Vauxhall Corsa models shifted from insurance group 3 to group 4 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 4 vehicles present an optimal mix of affordability and practicality for motorists seeking low-cost insurance and ownership expenses.
