Car insurance group 28

Find out which cars are placed in insurance group 28 and how much it might cost to insure them.

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What is insurance group 28?

When it comes to insurance, all vehicles are assigned an insurance group from 1 (cheapest) to 50 (most expensive), and this helps work out the cost of your car insurance premiums.

With insurance groups ranging from 1-50, vehicles in group 28 typically cost slightly above average to insure. The cars that fall in this group usually score OK in factors used to determine the group ratings, such as having good security features, car safety ratings and possessing less powerful engines.

However, insurers take into account other factors, such as your age, location and driving history, so it’s always important to compare policies to find one that works for you.

Car makes and models in insurance group 28

There are plenty of popular cars in insurance group 28. These are among the vehicles that cost slightly more than average to insure.

Insurance groupCar make/modelDetails
28Audi A3 SportbackThis vehicle is the winner of the Used Car of the Year Award from WhatCar? 2020 and received a 5-star safety rating from Euro NCAP.
28BMW 1 Series HatchbackThis vehicle won the WhatCar? Car of the Year 2020. Its safety features include a heads-up display and auto emergency braking.
28DS Crossback SUVThis large SUV was awarded five stars from Euro NCAP and ranks highly in its class for affordability.
28Ford GalaxyThe solid Galaxy MPV was rated five stars for safety by Euro NCAP and features automatic emergency city braking.
28Hyundai Santa FeThis large seven-seat SUV is one of the most reliable cars in its class. It scored 2nd out of 26 in RepairPal’s reliability test.
28Kia SorentoThis vehicle won the All-wheel Drive Car of the Year 2020 from AUTO BILD Allrad. This large SUV finished 7th out of 31 manufacturers in the WhatCar? reliability survey in 2020.
28Range Rover Evoque SUVThis family SUV won Best Family SUV at the WhatCar? Awards 2020. Its safety features include a system that alerts the driver if they’re becoming tired.
28Mazda MX-5The MX-5 was rated as the most reliable sports car in the 2019 WhatCar? reliability survey.

Cars in insurance group 28 and the average cost by driver’s age

Using the table below, you can look for your car’s make and model and work out how much your car insurance is likely to cost based on your age.

Make Model / Version Group (1-50) 20yrs 30yrs 40yrs 50yrs Get quote
Abarth Punto 1.4 Multiair Turbo Supersport 3d 28 £1,556 £902 £791 £638 Get Quote
Abarth 500C 1.4 T-Jet 2d Auto 28 £1,556 £902 £791 £638 Get Quote
Abarth 595 1.4 T-Jet (140bhp) 2d 28 £1,556 £902 £791 £638 Get Quote
Alfa Romeo Mito 1.4 TB MultiAir Quadrifoglio Verde SBK 3d 28 £1,556 £902 £791 £638 Get Quote
Audi A1 1.4 TFSI (185bhp) S Line 5d S Tronic 28 £1,556 £902 £791 £638 Get Quote
Audi A3 1.8 TFSI Quattro S Line 5d S Tronic 28 £1,556 £902 £791 £638 Get Quote
Audi A3 2.0 TDI (184bhp) S Line 5d 28 £1,556 £902 £791 £638 Get Quote
Audi A4 S Line (Comfort and Sound Pack) 35 TDI 163PS S Tronic auto 4d 28 £1,556 £902 £791 £638 Get Quote
Audi A5 S Line (Technology Pack) 1.4 TFSI 150PS S Tronic auto 2d 28 £1,556 £902 £791 £638 Get Quote
Audi A6 2.0 TDI Ultra SE 4d 28 £1,556 £902 £791 £638 Get Quote
Audi Q3 Edition 1 (Comfort and Sound Pack) 35 TDI 150PS Quattro 5d 28 £1,556 £902 £791 £638 Get Quote
Audi Q5 S Line (Technology Pack) 2.0 TDI 190PS Quattro S Tronic auto 5d 28 £1,556 £902 £791 £638 Get Quote
BMW 1 Series 120d xDrive M Sport (Plus Pack and Tech Pack I) Sport Automatic 5d 28 £1,556 £902 £791 £638 Get Quote
BMW 2 Series 220i Luxury (Nav) 2d 28 £1,556 £902 £791 £638 Get Quote
BMW 3 Series 320d SE 4d 28 £1,556 £902 £791 £638 Get Quote
BMW X1 xDrive20i SE 5d 28 £1,556 £902 £791 £638 Get Quote
BMW X2 sDrive18d M Sport 5d 28 £1,556 £902 £791 £638 Get Quote
Citroen C4 2.0 BlueHDi Flair (Plus Pack) 5d 28 £1,556 £902 £791 £638 Get Quote
Citroen C5 2.2 HDI 16V VTR+ Nav 4d 28 £1,556 £902 £791 £638 Get Quote
DS 3 1.6 THP Ultra Prestige (02/16-) 3d 28 £1,556 £902 £791 £638 Get Quote
DS 4 2.0 BlueHDi (180bhp) DSport 5d EAT6 28 £1,556 £902 £791 £638 Get Quote
DS 5 2.0 HDi Hybrid4 Elegance 5d ETG6 28 £1,556 £902 £791 £638 Get Quote
DS 7 SUV Performance Line PureTech 225 auto 5d 28 £1,556 £902 £791 £638 Get Quote
Ford Fiesta ST ST-1 1.5T EcoBoost 200PS 3d 28 £1,556 £902 £791 £638 Get Quote
Ford Mondeo 2.0 TDCi 180PS AWD PowerShift auto 5d 28 £1,556 £902 £791 £638 Get Quote
Ford Galaxy 2.0 TDCi (210bhp) Titanium X 5d Powershift 28 £1,556 £902 £791 £638 Get Quote
Ford S MAX ST-Line 2.0 Duratorq TDCi 180PS 5d 28 £1,556 £902 £791 £638 Get Quote
Honda CR V 1.6 i-DTEC Black Edition 5d Auto 28 £1,556 £902 £791 £638 Get Quote
Honda CR V 2.2 i-DTEC Black Edition 5d 28 £1,556 £902 £791 £638 Get Quote
Honda Accord 2.2 i-DTEC TYPE-S 5d 28 £1,556 £902 £791 £638 Get Quote
Hyundai i30 N Performance 2.0 T-GDi 275PS 5d 28 £1,556 £902 £791 £638 Get Quote
Hyundai i800 2.5 CRDi (134bhp) Style 5d 28 £1,556 £902 £791 £638 Get Quote
Hyundai Sante Fe 2.2 CRDi Blue Drive Premium SE (7 Seats) 5d 28 £1,556 £902 £791 £638 Get Quote
Jaguar XE D180 RWD auto 4d 28 £1,556 £902 £791 £638 Get Quote
Jaguar XF 2.0d (180bhp) Prestige 4d Auto 28 £1,556 £902 £791 £638 Get Quote
Jaguar E Pace SE D150 FWD 5d 28 £1,556 £902 £791 £638 Get Quote
Jeep Cherokee 2.0 CRD Limited SW 5d 28 £1,556 £902 £791 £638 Get Quote
Kia e Niro First Edition 64kWh litium-ion 201bhp auto 5d 28 £1,556 £902 £791 £638 Get Quote
Kia Optima GT 2.0 T-GDi 235bhp auto (08/18-) 5d 28 £1,556 £902 £791 £638 Get Quote
Kia Sorento 2.2 CRDi KX-4 5d Auto 28 £1,556 £902 £791 £638 Get Quote
Land Rover Defender 90 S D200 AWD auto 3d 28 £1,556 £902 £791 £638 Get Quote
Land Rover Freelander 2.2 SD4 SE Tech 5d Auto 28 £1,556 £902 £791 £638 Get Quote
Land Rover Discovery 2.0 TD4 (180bhp) SE Tech 5d 28 £1,556 £902 £791 £638 Get Quote
Range Rover Evoque 2.2 eD4 Pure 2WD Hatchback 5d 28 £1,556 £902 £791 £638 Get Quote
Range Rover Evoque 2.0 eD4 SE 2WD Hatchback 5d 28 £1,556 £902 £791 £638 Get Quote
Lexus IS 300h auto 4d 28 £1,556 £902 £791 £638 Get Quote
Lexus GS 300h 2.5 Premier (15-) 4d CVT 28 £1,556 £902 £791 £638 Get Quote
Lexus NX 300h 2.5 CVT 2WD 5d 28 £1,556 £902 £791 £638 Get Quote
Mazda 6 2.2d (180bhp) Sport 5d 28 £1,556 £902 £791 £638 Get Quote
Mazda MX5 1.5 [132] R-Sport 2dr 2d 28 £1,556 £902 £791 £638 Get Quote
Mercedes Benz A class A 220 4Matic AMG Line 7G-DCT auto 5d 28 £1,556 £902 £791 £638 Get Quote
Mercedes Benz B class B 250 AMG Line Premium 7G-DCT auto 5d 28 £1,556 £902 £791 £638 Get Quote
Mercedes Benz C class C 180 S 4d 28 £1,556 £902 £791 £638 Get Quote
Mercedes Benz CLA class CLA 220 CDI AMG Sport (Comand) 4d Tip Auto 28 £1,556 £902 £791 £638 Get Quote
Mercedes Benz GLA class GLA 180 AMG Line Executive Auto 5d 28 £1,556 £902 £791 £638 Get Quote
Mini Hatchback Cooper S Classic (Comfort Pack & Navigation Pack) 3d 28 £1,556 £902 £791 £638 Get Quote
Mini Cooper 1.6 Cooper S Countryman ALL4 (Chili Pack) 5d 28 £1,556 £902 £791 £638 Get Quote
Mitsubishi Outlander 2.2 DI-D 2 5d 28 £1,556 £902 £791 £638 Get Quote
Nissan Pathfinder 2.5 dCi SE 5d 28 £1,556 £902 £791 £638 Get Quote
Peugeot Ion 5d Auto 28 £1,556 £902 £791 £638 Get Quote
Peugeot 308 GT 1.6 THP 205 S&S (07/17 on) 5d 28 £1,556 £902 £791 £638 Get Quote
Peugeot 3008 GT Hybrid 225 e-EAT8 auto 5d 28 £1,556 £902 £791 £638 Get Quote
Peugeot 508 Allure 1.6 PureTech 180 EAT8 auto S&S 5d 28 £1,556 £902 £791 £638 Get Quote
Renault Clio Renault Sport Trophy Nav TCe 220 EDC auto 5d 28 £1,556 £902 £791 £638 Get Quote
SEAT Ibiza 1.4 TSi Cupra Sport Coupe (09-12) 3d DSG 28 £1,556 £902 £791 £638 Get Quote
SEAT Leon 2.0 TDI (184bhp) FR Titanium 3d 28 £1,556 £902 £791 £638 Get Quote
Skoda Octavia vRS 2.0 TSI 230PS (03/17 on) 5d 28 £1,556 £902 £791 £638 Get Quote
Skoda Superb 2.0 TSI (280bhp) Laurin + Klement 4X4 5d DSG 28 £1,556 £902 £791 £638 Get Quote
SsangYong Korando 2.2 ELX 4x4 (04/17 on) 5d 28 £1,556 £902 £791 £638 Get Quote
Suzuki Swift 1.4 Boosterjet 48V Hybrid Sport 5d 28 £1,556 £902 £791 £638 Get Quote
Toyota Avensis 2.0 TSI Sport 5d 28 £1,556 £902 £791 £638 Get Quote
Toyota RAV4 2.0 D-4D Active (Nav) 5d 28 £1,556 £902 £791 £638 Get Quote
Vauxhall Antara 2.2 CDTi (184bhp) SE 5d 28 £1,556 £902 £791 £638 Get Quote
Vauxhall Insignia GSi Nav 2.0 (210PS) BiTurbo D 4x4 BlueInjection auto 5d 28 £1,556 £902 £791 £638 Get Quote
Volkswagen ID .3 150kW 1ST Edition Pro Power 62kWh Auto 5d 28 £1,556 £902 £791 £638 Get Quote
Volkswagen Arteon R-Line 2.0 TDI SCR 190PS 4Motion DSG auto 5d 28 £1,556 £902 £791 £638 Get Quote
Volkswagen Polo GTI+ 2.0 TSI 200PS DSG auto 5d 28 £1,556 £902 £791 £638 Get Quote
Volkswagen Golf 2.0 TSI Sport 2d 28 £1,556 £902 £791 £638 Get Quote
Volkswagen Scirocco 1.4 TSI 3d 28 £1,556 £902 £791 £638 Get Quote
Volkswagen Beetle 2.0 TSI Sport 2d 28 £1,556 £902 £791 £638 Get Quote
Volkswagen Caravelle 2.0 TDI BlueMotion Tech (150bhp) SE LWB 5d 28 £1,556 £902 £791 £638 Get Quote
Volkswagen Passet 2.0 BiTDI SCR GT 4MOTION 5d DSG 28 £1,556 £902 £791 £638 Get Quote
Volvo V40 T5 (245bhp) R DESIGN Nav 5d Geartronic 28 £1,556 £902 £791 £638 Get Quote
Volvo S60 D3 ES 4d 28 £1,556 £902 £791 £638 Get Quote
Volvo V60 D4 (163bhp) ES 5d 28 £1,556 £902 £791 £638 Get Quote
Volvo V70 T4 (180bhp) ES (Start Stop) 5d 28 £1,556 £902 £791 £638 Get Quote
Volvo S80 2.4 D S 4d 28 £1,556 £902 £791 £638 Get Quote
Volvo XC60 2.4D (175bhp) DRIVe S 2WD 5d 28 £1,556 £902 £791 £638 Get Quote
Volvo XC70 D4 (163bhp) SE (Leather) 5d 28 £1,556 £902 £791 £638 Get Quote
Volvo V90 2.0 D4 Inscription 5d Geartronic 28 £1,556 £902 £791 £638 Get Quote

Why are cars in group 28 expensive to insure?

Cars in insurance group 28 usually rate as slightly above average for the following features.

  • Market value
  • Cost of sourcing parts
  • Size of engine
  • Repair time

In some cases, they may be lacking when it comes to security and safety features too.

What other factors affect your car insurance premium?

Along with your car’s insurance group, here are three more factors that have a significant impact on the cost of your insurance:

  • Engine type and capacity. The bigger your engine, the more you’re likely to pay for insurance. That’s because it will cost more to repair or replace.
  • Driver location. Your location plays a role in the likelihood of your car being stolen or damaged. Insurers use previous claims data to calculate this and adjust your premium accordingly. As an example, a 30-year-old in central London will pay £1,033 for insurance for a BMW x1 xDrive20i SE 5d, while the same 30-year-old in Newcastle may only pay £902.
  • Driver age. Statistically, your age plays a huge role in your likelihood of making a claim, with the youngest drivers being the most likely. That’s why younger drivers pay higher premiums. The average 20-year-old driver in London could pay £1,797 for the Jaguar XF 2.0d (180bhp) Prestige 4d Auto, while the average 40-year-old Londoner will only pay £941.

On top of these, there are plenty of other factors that can also impact the price of your premiums.

These include the following:

  • Your marital status
  • Your credit history and job
  • Your car’s safety rating, security and anti-theft precautions
  • The model and age of your car
  • The likelihood of your model being stolen
  • Your driving activity
  • Your driving history
  • Your no-claims discount

How can I save on my car insurance premiums?

Choosing a car with a low insurance group is a great way to reduce the price of your premium.

But there are other things you can do to lower the cost of your car insurance:

  • Drive safely. It may sound obvious but having driving convictions on your record will make your premium skyrocket. Criminal convictions can affect your premium too.
  • Reduce your annual mileage. Motorists who use their car less often are perceived as less of a risk to insurers and may receive a lower premium. So, consider where you could opt to take public transport or walk to keep your mileage, and premium, lower.
  • Pay annually. By paying annually, you may end up with a cheaper deal as you won’t have to pay interest on monthly instalments.
  • Install extra safety precautions. The safer you make your car, the less of a risk you’re perceived to be, the lower your premium will drop.
  • Shop around. When it’s time for renewal, make sure you compare your options. You’ll be surprised by how much you can save by switching to a different insurer.

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 data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (March '21). 51% of car insurance customers could save £228.60.

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