List of cars in insurance group 1
Find out the cars available in car insurance group 1 and how much it might cost to insure them.
Insurance group 1 cars are often the cheapest to insure. With group 1 being the lowest possible insurance group, the cars that fit in this category usually score well in factors used to determine the group ratings such as having good car safety features, being inexpensive to repair and possessing less powerful engines.
Car insurance groups explained
When it comes to insurance, all vehicles are assigned an insurance group from 1 (cheapest) to 50 (most expensive), and this helps determine the cost of your premiums. The group a particular car model fits into is usually determined by its performance, safety and security features, part replacement and its value.
That being said, there’s also a number of different factors that insurers take into account such as your age, driving history and location, so it’s always important to compare policies to find one that works for you.
Car makes and models in insurance group 1
There’s a number of popular cars in insurance group 1 that are likely to come with a cheaper car insurance policy.
|Insurance group||Car make/model||Details|
|1||Vauxhall Corsa||A very popular car for new drivers that has great fuel economy. It recently scored 4/5 in the EURO NCAP safety score in 2019 with high adult occupancy ratings.|
|1||Volkswagen Polo||A hugely popular car that won the “World car of the year” award back in 2010 and “Small car of the year” at the What Car? awards in 2019.|
|1||Nissan Micra||Nissan Micra was crowned “Car of the Year” at 2018 FirstCar awards with its excellent safety standards, low running costs and extensive personalisation.|
|1||Skoda Citigo||The Skoda Citigo was named the “Used city car of the year” at the What Car? awards in 2019 and was praised for its build quality and broad range.|
|1||Kia Rio||The Kia Rio won AutoTrader’s “Best value new car” award in 2018 which was the outcome from a survey of over 40,000 car owners, all of whom rated their car in 16 different areas.|
|1||Citroen C1||In the UK, you can purchase a Citroën C1 from a starting price of approximately £8,500. In terms of accolade, The German Automobile Club places the Citroën C1 at the top of the range for small cars.|
|1||Fiat Panda||Back in 2018, there was substantial criticism when the Panda scored zero stars in a Euro NCAP crash test. Despite its safety record, the Fiat Panda continues to get positive coverage from UK car media.|
|1||Hyundai i10||The Hyundai i10 wins “Most highly rated car of the year” at the 2018 Honest John Awards with drivers particularly impressed with its comfort, reliability and fuel economy.|
Cars in insurance group 1 and the average cost by driver’s age
Using the table below, you can look out for the make and model of your car, and work out how much you’re likely to pay for your car insurance based on your age.
Why are cars in group 1 the cheapest?
Cars in insurance group 1 are usually the cheapest cars to insure, because they score well in a number of factors that determine which group the car will fall under. These factors include:
- Good security and safety features
- Inexpensive to source parts and make repairs
- Low market value
- Smaller engine size
- Low repair times
Which other factors affect your car insurance premium?
Along with your car’s insurance group, these three factors have the biggest impact on the cost of your insurance:
- Engine type and capacity. The bigger your engine, the more you’re likely to pay for insurance. With a smaller engine, you’re likely to be seen as less risk to an insurer and this is usually reflected with a lower premium.
- Driver location. Insurers factor in the likelihood that your car will be stolen or involved in an accident when calculating your insurance, and your location has a big impact on this. As an example, a 30-year-old in central London will pay £641 for insurance for a Citroen C1 1.0i Vibe 3d, while the same 30-year-old in Newcastle may only pay £556.
- Driver age. Like location, the age of the driver plays a huge role in determining the cost of your insurance premium. The average 20-year-old driver in London could pay £1,115 for the Nissan Acenta IG 71 5d, while the average 40-year-old Londoner will only pay £584.
However, there are a lot of other factors that can also impact the price of your premiums. These include:
- Your marital status
- Your credit history and job
- Your car’s safety rating, security and anti-theft precautions
- Likelihood of theft
- The model and age of your car
- Your driving activity
- Your driving history
- No claim discount
How can I save on my car insurance premiums?
Choosing a car in insurance group 1 is a great way to reduce the price of your premium. Thankfully, there are a few other things you can do to reduce your car insurance premium, and we’ve listed them below:
- Avoid any driving convictions. It may sound obvious, but having convictions on your record will make your premium more expensive.
- Be economical about your car usage. You could save money on your insurance by being more sparing with your car usage. Opting for public transport or walking when you can will help keep your mileage, and premium, lower.
- Pay annually rather than monthly. By paying annually, you could miss out on paying monthly interest on your instalments!
- Install extra safety precautions. The safer you make your car, the better your premium will be. By investing in extra safety features, your vehicle will be more secure and less of a risk to insure.
- Don’t just accept your renewal quote. When it’s time for renewal, make sure you compare your options – you’ll be surprised at how much you could save by assessing your options.
- Opt for telematics or black box insurance. If you’re genuinely a safe driver, you could save by having a black box fitted into your car that monitors your driving performance.
Frequently asked questions
More guides on Finder
Toyota Hilux insurance group
Find out which insurance group the Toyota Hilux falls under and how much it costs to insure.
Citroen Saxo insurance group
Find out which insurance group the Citroen Saxo falls under and how much it costs to insure.
Suzuki SX4 insurance group
Find out which insurance group the Suzuki SX4 falls under and how much it costs to insure.
Smart Forfour insurance group
Find out which insurance group the Smart Forfour falls under and how much it costs to insure.
Nissan Navara insurance group
Find out which insurance group the Nissan Navara falls under and how much it costs to insure.
Toyota iQ insurance group
Find out which insurance group the Toyota iQ falls under and how much it costs to insure.
Smart Roadster insurance group
Find out which insurance group the Smart Roadster falls under and how much it costs to insure.
Jaguar XE insurance group
Find out which insurance group the Jaguar XE falls under and how much it costs to insure.
Honda Accord insurance group
Find out which insurance group the Honda Accord falls under and how much it costs to insure.
Subaru Impreza insurance group
Find out which insurance group the Subaru Impreza falls under and how much it costs to insure.
Ask an Expert