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.
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.
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.
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.
These rates are based on the average cost of cover for cars in the insurance groups shown, for drivers of different ages with a Newcastle (NE1) postcode, which our research suggests represents an average for insurance rates in the UK. Updated: Oct 2019 (source: Quotezone).
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.
Frequently asked questions
Car insurance groups range from 1-50 with 1 being the cheapest and 50 being the most expensive.
In theory, the lower your car insurance group number, the cheaper your car insurance policy will be. However, there are several factors that can influence the cost of your car insurance depending on your personal circumstances.
With car insurance policies for younger drivers being notoriously expensive, choosing a car in insurance group 1 will definitely help keep the costs down. However, there are many factors other than the insurance group that make up the cost of your car insurance premium.
On a particular vehicle, the insurance group will be listed as a number and a letter. The letters refer to the security features on the vehicle that are fitted as standard.
In the UK, there are 50 car insurance groups with 1 being the lowest (cheapest) and 50 being the highest (most expensive).
*Based on independent online research by Consumer Intelligence (March ’20). 51% of car insurance customers could save £285.88.
Danny is a publisher at Finder specialising in car, life, home, business and pet insurance. He previously worked at the global insurer Aon and has appeared in national media giving advice on insurance. Danny holds a BA in International Business from the University of Plymouth and has undying loyalty to his average-poor football team, Portsmouth FC.
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