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When purchasing a new car, it’s important to research which insurance group it falls into, as it helps determine whether or not you can access cheap car insurance. The Association of British Insurers assigns every vehicle a rating from 1-50 based on factors such as value and performance. Cars in higher groups have steep premiums, so understanding the insurance implications can help you stay within budget. Read our guide to learn which models fall into group 15 and what to expect for insurance costs.
Car insurance group 15 houses mid-range family and executive cars such as the following:
This group comprises smartly equipped cars that make comfortable cruisers and practical family transportation. Their impressive specs push up their value, repair costs and insurance premiums.
Modern safety features, such as airbags, parking sensors and auto emergency braking, are standard. Many cars in this group have desirable trims and options, plus potent petrol, diesel or hybrid engines. While not the most prestigious vehicles, group 15 cars still carry premium price tags.
| Factor | Description |
|---|---|
| Engine size | Group 15 cars typically have 1.5 to 2.0-litre petrol or diesel engines. Larger engines increase insurance costs. |
| Repair costs | Spare parts are more expensive than lower groups given the specifications. Complex repairs also increase premiums. |
| Safety features | Features such as airbags, anti-lock braking systems, parking sensors, auto emergency braking and immobilisers are standard. More safety kit means lower risk. |
| Performance | With zero to 60mph times of around 6-8 seconds and top speeds of over 130mph, group 15 cars have brisk performance. This increases insurance costs compared to lower groups. |
| Threat of theft | Executive cars are more likely to be targeted than everyday hatchbacks. However, luxury SUVs and sports cars are most appealing to thieves. |
| Driver profile | Insurers see group 15 cars as suitable for managers, families and older drivers. Premiums are higher for young or inexperienced motorists. |
While insurance group 15 cars cost more to cover, their premiums can be affordable for:
Group 15 provides a good blend of luxury, comfort and performance for those who can afford the higher insurance costs. Family- and executive-focused cars offer tempting specs with added peace of mind.
Find your car’s insurance group by entering your vehicle’s registration in a free car insurance group checker.
Your insurer will also be able to provide your exact insurance group rating. Knowing your group helps you compare premium quotes. Lower insurance groups mean lower premiums, all else being equal.
One thing to note is that cars are continually reassessed, and their group can change over time. Check your group when renewing your insurance to get accurate quotes.
Overall, group 15 provides affordable insurance costs for well-appointed family and executive automobiles. While not the most thrilling cars to drive, their premiums are reasonable for their specifications. If you want impressive features without the steep insurance costs of higher groups, group 15 can be a sensible sweet spot.
