Car insurance group 32

What is insurance group 32?

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 premium.

Vehicles in group 32 tend to be more expensive to insure. The cars that fall in this group tend to have a higher market value and cost a lot to repair. They’re also statistically more likely to get into accidents or be involved in criminal acts.

The insurance group that a specific vehicle is assigned will depend on a variety of factors, such as vehicle performance, safety features, cost of repairs and security features.

In this guide, we’ll take a deeper look at these factors, as well as the other factors that insurers take into account, such as your age, driving history and location.

Car makes and models in insurance group 32

There are several popular cars in insurance group 32 that are likely to fall on the more expensive side when it comes to your car insurance premium.

Cars in insurance group 32 and the average cost by driver’s age

Using the table below, you can look 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.

• How we got these rates

  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: March 2021 (source: Quotezone).

Why are cars in group 32 more expensive to insure?

In many cases, cars in insurance group 32 tend to cost more to insure because of the following factors:

• High market value
• Expensive to source parts and make repairs
• Larger engine
• Longer repair times

What 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 larger your engine, the more it will cost to repair or replace. This is usually reflected with a higher premium.
• Driver location. Insurers consider the likelihood that your car will be stolen or involved in an accident, based on your location. This will affect the size of your premium. As an example, a 30-year-old in central London will pay £1,054 for insurance for a BMW 3 Series 330i Sport Automatic 5d, while the same 30-year-old in Newcastle may only pay £900.
• Driver age. Like location, the age of the driver plays a huge role in calculating the cost of your insurance premium. Insurers will use previous claims data to work out the odds of someone your age making a claim, and adjust your premium accordingly. The average 20-year-old driver in London could pay £1,834 for the Range Rover Evoque 2.2 SD4 Pure (9speed) Hatchback 5d Auto, while the average 40-year-old Londoner will only pay £960.

Here are some of the other factors that can also impact the price of your premium.

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

How can I save on my car insurance premium?

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

Here are some more ideas for you to save money on your car insurance premium.

• Drive safely. Having driving convictions on your record will make your premium more expensive.
• Don’t use your car all of the time. The higher your annual mileage, the more of a risk you’ll be perceived as by insurers. So, consider journeys where you can potentially use public transport or walk.
• Pay annually. By paying annually, you avoid the possibility of paying interest on monthly instalments.
• Install extra safety precautions. The safer you make your car, the cheaper your premium will be.
• Shop around. When it’s time for renewal, use price comparison websites to find the best deal for you.

Frequently asked questions

• What is the lowest insurance group?

  Car insurance group 1 is the lowest and has the cheapest cars to insure.

• Does a lower insurance group mean cheaper car insurance?

  Yes, in theory. However, when calculating your premium, an insurer will also consider other factors related to your personal circumstances.

• What does Thatcham Research analyse?

  Thatcham Research analyses a number of criteria to calculate a car’s group rating. One of its key tests is a 15km/h crash impact assessment, based on an internationally recognised insurance standard. Following the crash, Thatcham’s engineers work out the cost of the time and parts to return the car to its pre-accident condition. The group rating also takes into account new car values, car performance (including top speed and acceleration time), parts pricing, safety and security features, and the alignment and structure of a car’s bumpers.

• Are cars in insurance group 32 good for younger drivers?

  These cars will cost more than average to insure, especially for younger drivers. If young drivers want to make their insurance more affordable, it’s better to drive a car in a lower insurance group.

• What do the letters mean in insurance groups?

  The letters refer to the security features fitted as standard on the vehicle.

• How many car insurance groups are there in the UK?

  In the UK, there are 50 car insurance groups in total.

• Who decides on the car insurance groups?

  In the UK, The Group Rating Panel, administered by Thatcham Research, assigns new car models to an insurance group from 1 to 50.