Car insurance group 23

Find out which cars are placed in insurance group 23 and how much it might cost to insure them based on your age and location.

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What is insurance group 23?

Before they are made available to buy, all vehicles are assigned an insurance group from 1 (cheapest) to 50 (most expensive). Therefore, the vehicles found in group 23 are among the cheapest to insure.

The cars that fall in this group usually score well in factors used to determine the group ratings, such as having a lower market value, good car safety and installed security features.

However, these aren’t the only factors that are used to determine your premium. There are a number of other personal factors that insurers take into account, such as your age, driving history and location.

Car makes and models in insurance group 23

There are a number of popular cars in insurance group 23 that are likely to fall on the cheaper side when it comes to your car insurance premiums.

Here are some of the more popular vehicles in this group:

Insurance groupCar make/modelDetails
23Peugeot 5008This vehicle won Large SUV of the Year at the WhatCar? Awards 2019. It’s affordable without compromising on quality.
23Volkswagen PoloThe Polo is impressively stable for a small car. It has great fuel economy and scored the maximum five stars in Euro NCAP crash tests.
23Vauxhall ZafiraThis family car always scores well for safety and reliability. Motorists enjoy its solid suspension and steering.
23Audi A3The Audi A3 family hatchback handles really well. The petrol car uses an efficient 1-litre engine.
23Ford S MAXThis MPV has great fuel economy. It was rated as very reliable in the latest WhatCar? reliability survey. It also won a 5-star rating from Euro NCAP in its crash test.
23Mazda CX5This large SUV ranked second out of 31 vehicles in the 2019 WhatCar? Reliability Survey. Safety features include city emergency braking and stability control.
23SEAT AlhambraThis MPV is affordable and has a good range of safety features, including land assist and road-sign recognition.
23Volvo V70The Volvo V70 is a five-door executive car. It has been rated as one of the safest cars available on the market and was awarded five stars in its Euro NCAP crash test.

Cars in insurance group 23 and the average cost by driver’s age

Using the table below, you can look for your vehicle and estimate how much you’re likely to pay to insure it based on your age.

Make Model / Version Group (1-50) 20yrs 30yrs 40yrs 50yrs Get quote
Alfa Romeo Mito 1.4 TB MultiAir (140bhp) QV Line 3d TCT 22 £1,431 £830 £727 £587 Get Quote
Alfa Romeo Giulietta 1.4 TB MultiAir Business 5d TCT 22 £1,431 £830 £727 £587 Get Quote
Alfa Romeo Giulietta 2.0 JTDM-2 Business 5d TCT 22 £1,431 £830 £727 £587 Get Quote
Alfa Romeo Giulietta 2.2 JTDM-2 160 Super [Xenon] 4dr Auto [DAP+] 4d 22 £1,431 £830 £727 £587 Get Quote
Audi A1 2.0 TDI Amplified Edition 3d 22 £1,431 £830 £727 £587 Get Quote
Audi A3 1.4 TFSI SE 2d 22 £1,431 £830 £727 £587 Get Quote
Audi Q5 2.0 TDI (143bhp) Quattro (Start Stop) 5d 22 £1,431 £830 £727 £587 Get Quote
Audi A4 35 TDI SE S Tronic [Leather/Tech Pack] 5d 22 £1,431 £830 £727 £587 Get Quote
Audi A5 2.0 TDI (143bhp) (2012) 5d Multitronic 22 £1,431 £830 £727 £587 Get Quote
Audi Q2 2.0 TDI 150PS Quattro S Tronic auto 5d 22 £1,431 £830 £727 £587 Get Quote
Audi Q3 S Line Nav 2.0 TDI 150PS 5d 22 £1,431 £830 £727 £587 Get Quote
BMW 1 Series 118i SE Dual-clutch auto 5d 22 £1,431 £830 £727 £587 Get Quote
BMW 2 Series 218i Luxury 2d 22 £1,431 £830 £727 £587 Get Quote
BMW X1 sDrive 18d SE 5d 22 £1,431 £830 £727 £587 Get Quote
BMW X2 sDrive18i SE 5d 22 £1,431 £830 £727 £587 Get Quote
Chevorlet Volt Volt 5d Auto 22 £1,431 £830 £727 £587 Get Quote
Chevrolet Cruze 2.0 VCDi LT 5d 22 £1,431 £830 £727 £587 Get Quote
Citroen C3 1.5 BlueHDi Flair 5d 22 £1,431 £830 £727 £587 Get Quote
Citroen C4 1.6 THP Exclusive 5d EGS 22 £1,431 £830 £727 £587 Get Quote
Citroen C5 1.6 e-HDI 16V (115bhp) Airdream VTR+ Techno 5d ETG6 22 £1,431 £830 £727 £587 Get Quote
DS 3 1.6 BlueHDi DStyle 3d 22 £1,431 £830 £727 £587 Get Quote
DS 4 1.6 BlueHDi Prestige 5d 22 £1,431 £830 £727 £587 Get Quote
Ford Focus ST-Line X 2.0 TDCi 150PS 5d 22 £1,431 £830 £727 £587 Get Quote
Ford C MAX 1.6 EcoBoost Titanium X 5d 22 £1,431 £830 £727 £587 Get Quote
Ford C MAX 2.0 TDCi Titanium X 5d 22 £1,431 £830 £727 £587 Get Quote
Ford Mondeo 2.0 Duratorq TDCi 150PS 5d 22 £1,431 £830 £727 £587 Get Quote
Ford Mondeo 1.5 Ford EcoBoost 165PS 5d 22 £1,431 £830 £727 £587 Get Quote
Ford Kuga 1.6 EcoBoost Titanium X 2WD 5d 22 £1,431 £830 £727 £587 Get Quote
Ford Kuga 2.0 TDCi Titanium X 2WD 5d 22 £1,431 £830 £727 £587 Get Quote
Ford Galaxy Titanium 1.5 Ford EcoBoost 165PS 5d 22 £1,431 £830 £727 £587 Get Quote
Ford S MAX 1.5 EcoBoost GTDi 165PS 5d 22 £1,431 £830 £727 £587 Get Quote
Ford S MAX 2.0 Ford EcoBlue 150PS FWD 5d 22 £1,431 £830 £727 £587 Get Quote
Honda Civic 182PS VTEC Turbo 5d 22 £1,431 £830 £727 £587 Get Quote
Honda HR V 1.6 i-DTEC S (01/19-) 5d 22 £1,431 £830 £727 £587 Get Quote
Hyundai Kona SE 39kWh Battery 136PS auto 5d 22 £1,431 £830 £727 £587 Get Quote
Jaguar F - Pace Prestige 2.0 Turbocharged Diesel 163PS 5d 23 £1,449 £841 £736 £594 Get Quote
Jeep Compass 2.0 MultiJet II 170hp 4x4 auto 5d 23 £1,449 £841 £736 £594 Get Quote
Kia Sportage GT-Line S 1.6 T-GDi 174bhp DCT auto 5d 23 £1,449 £841 £736 £594 Get Quote
Land Rover Freelander 2.2 SD4 GS (2010) 5d Auto 23 £1,449 £841 £736 £594 Get Quote
Land Rover Freelander 3.2 i6 GS 5d Auto 23 £1,449 £841 £736 £594 Get Quote
Lexus UX 250h (Premium Plus Pack, Tech & Safety Pack and Sunroof) E-Four auto 5d 23 £1,449 £841 £736 £594 Get Quote
Mazda 3 2.0 Skyactiv-X MHEV 100th Anniversary Edition 5d 23 £1,449 £841 £736 £594 Get Quote
Mazda 6 2.2d (175bhp) Sport 4d 23 £1,449 £841 £736 £594 Get Quote
Mazda CX5 184ps AWD Sport (Safety Pack) 5d 23 £1,449 £841 £736 £594 Get Quote
Mercedes Benz A class A 200 d Sport 8G-DCT auto 5d 23 £1,449 £841 £736 £594 Get Quote
Mercedes Benz B class 250 e Electric Art Premium 5d Auto 23 £1,449 £841 £736 £594 Get Quote
Mercedes Benz GLA class GLA 200 SE (01/17 on) 5d 23 £1,449 £841 £736 £594 Get Quote
Mercedes Benz C class C 200 d SE Executive Edition 4d 23 £1,449 £841 £736 £594 Get Quote
Mini Hatchback 2.0 Cooper S D Hatchback 5d 23 £1,449 £841 £736 £594 Get Quote
Mini Clubman Cooper D Classic (Comfort Pack) auto (07/19-) 6d 23 £1,449 £841 £736 £594 Get Quote
Nissan Juke 1.6 DiG-T Ministry of Sound 5d 23 £1,449 £841 £736 £594 Get Quote
Nissan NV200 e-NV200 Acenta Rapid Plus Flex (5 seat) 6d Auto 23 £1,449 £841 £736 £594 Get Quote
Peugeot 208 1.6 BlueHDi (120bhp) GT Line 5d 23 £1,449 £841 £736 £594 Get Quote
Peugeot 2008 GT 1.2 PureTech 155 EAT8 auto S&S 5d 23 £1,449 £841 £736 £594 Get Quote
Peugeot 308 GT Line 1.6 BlueHDi 120 S&S (07/17 on) 5d 23 £1,449 £841 £736 £594 Get Quote
Peugeot 5008 2.0 BlueHDi Allure 5d 23 £1,449 £841 £736 £594 Get Quote
Renault Kadjar Signature Nav TCe 160 5d 23 £1,449 £841 £736 £594 Get Quote
Renault Megane GT Nav dCi 165 EDC auto 5d 23 £1,449 £841 £736 £594 Get Quote
Renault Scenic 1.6 dCi Limited Energy 5d 23 £1,449 £841 £736 £594 Get Quote
SEAT Ateca Xcellence Lux 2.0 TSI 190PS 4Drive DSG auto (07/2018 on) 5d 23 £1,449 £841 £736 £594 Get Quote
SEAT Leon FR First Edition 1.5 eTSI Evo 150PS DSG auto 5d 23 £1,449 £841 £736 £594 Get Quote
SEAT Alhambra 2.0 TDI CR FR Line (184bhp) 5d 23 £1,449 £841 £736 £594 Get Quote
Skoda Yeti 2.0 TDI CR (170bhp) Monte Carlo 4x4 5d 23 £1,449 £841 £736 £594 Get Quote
Skoda Superb 2.0 TDI CR (190bhp) SE L Executive 4X4 5d DSG 23 £1,449 £841 £736 £594 Get Quote
Subaru Outback 2.0D SE Premium 5d 23 £1,449 £841 £736 £594 Get Quote
Suzuki Swift SZ5 1.2 Dualjet SHVS 4x4 5d 23 £1,449 £841 £736 £594 Get Quote
Toyota Avensis 2.2 D-4D TR (11/11-) 4d 23 £1,449 £841 £736 £594 Get Quote
Toyota Avensis 2.0 D-4D Icon+ 4d 23 £1,449 £841 £736 £594 Get Quote
Toyota RAV4 2.0 D-4D Business Edition 5d 23 £1,449 £841 £736 £594 Get Quote
Vauxhall Astra Elite Nav 1.6CDTi BiTurbo (150PS) S/S BlueInjection 5d 23 £1,449 £841 £736 £594 Get Quote
Vauxhall Insignia Elite Nav 2.0 (170PS) Turbo D BlueInjection 5d 23 £1,449 £841 £736 £594 Get Quote
Volkswagen Golf R-Line 2.0 TDI 150PS DSG auto 5d 23 £1,449 £841 £736 £594 Get Quote
Volkswagen Polo 1.4 TSI (140bhp) BlueGT 3d 23 £1,449 £841 £736 £594 Get Quote
Volkswagen Beetle 1.4 TSI Design 2d 23 £1,449 £841 £736 £594 Get Quote
Volkswagen Passet 2.0 TDI SCR (190bhp) R Line 5d 23 £1,449 £841 £736 £594 Get Quote
Volkswagen Scirocco 2.0 TDi BlueMotion Tech R Line 3d 23 £1,449 £841 £736 £594 Get Quote
Volkswagen Sharen 2.0 TDI CR BlueMotion Tech (177bhp) SE 5d 23 £1,449 £841 £736 £594 Get Quote
Volvo V40 T3 (152bhp) Momentum 5d 23 £1,449 £841 £736 £594 Get Quote
Volvo S60 D3 (136bhp) ES 4d 23 £1,449 £841 £736 £594 Get Quote
Volvo V60 D3 (136bhp) SE (06/13-) 5d 23 £1,449 £841 £736 £594 Get Quote
Volvo V70 2.0F Ocean Race 5d 23 £1,449 £841 £736 £594 Get Quote
Volvo S80 2.0 SE (RTI NAV) 4d 23 £1,449 £841 £736 £594 Get Quote

Why are cars in group 23 one of the cheapest?

Cars in insurance group 23 are usually cheaper cars to insure because of the following

  • They have a large range of safety features.
  • They have strong security features.
  • Their parts are inexpensive to source.
  • Their market value is on the lower side.
  • They have smaller less powerful engines.

What other factors affect your car insurance premium?

These three key factors have the biggest impact on the cost of your insurance:

  • Engine type and capacity. The larger and more powerful your engine, the more it’ll cost to repair or replace it. Your car insurance premium will rise to cover these higher expenses.
  • Driver location. Your location plays a key role in the likelihood that your car will be stolen or involved in an accident. Your insurers will consider this when calculating your premium. A 30-year-old in central London will pay £978 for insurance for a Volvo V70 2.0F Ocean Race 5d, while the same 30-year-old in Newcastle may only pay £841.
  • Driver age. Insurers will use claims data to determine how likely someone your age is to make a claim. Your premium will be adjusted to reflect this risk. As an example, the average 20-year-old driver in London could pay £1,694 for the Audi A1 2.0 TDI Amplified Edition 3d, while the average 40-year-old Londoner will only pay £887.

There are a lot of other factors that can also impact the price of your premiums. These include the following:

  • Your marital status
  • Your car’s safety rating, security and anti-theft precautions
  • The likelihood of your specific vehicle being stolen
  • Your driving activity
  • Your driving history, including the length of your no-claims discount
  • Your credit history
  • Your occupation

How can I save on my car insurance premiums?

Choosing a car in insurance group 23 (or lower) is a good way to keep your car insurance costs down.

Here are some other things you can do to drive down the cost of your car insurance.

  • Drive safely. Having driving convictions on your record will make your premium more expensive.
  • Don’t use your car all of the time. Insurers will consider your annual mileage. If you can reduce this, your premium is likely to drop.
  • Pay annually. By paying annually, you eliminate the possibility of having to pay interest on your monthly instalments.
  • Install extra safety precautions. The safer you make your car, the cheaper your premium will be.
  • Don’t just accept your renewal quote. Use price comparison websites to shop around for the best deal every year. You’ll be surprised at how much you could save by assessing your options.

Frequently asked questions

The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you.
*Based on independent online research by Consumer Intelligence (March ’20). 51% of car insurance customers could save £285.88.

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