Car insurance group 25

What is insurance group 25?

Before they are made available to buy, all vehicles are assigned an insurance group from 1 (cheapest) to 50 (most expensive). This helps work out the cost of your car insurance premiums.

Insurance group 25 cars are on the cheaper side when it comes to car insurance. The cars that fall in this group usually score well in factors used to determine the group ratings, such as having good car safety and security features and possessing less powerful engines.

On top of that, insurers take into account personal factors, such as your age, driving history and location.

Car makes and models in insurance group 25

Below is a list of popular cars in insurance group 25. These are likely to fall on the cheaper side when it comes to your car insurance premiums.

Cars in insurance group 25 and the average cost by driver’s age

With the table below, you can look for your vehicle and work out how much you’re likely to pay to insure it 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: April 2024 (source: Confused).

Insurance group 25 categories

• 25E: Surpasses the security requirements for this type of car, leading to a lower insurance group rating.
• 25A: Meets the standard security requirements for this type of car.
• 25D: Falls short of security requirements for this type of car, resulting in a higher insurance group rating.
• 25U: Security standard is unacceptable. The insurer might require upgraded aftermarket security before providing coverage.
• 25P: Provisional status. Insufficient data is available at launch for classification. This will likely be updated once Thatcham can evaluate the new car.
• 25G: Grey import. Thatcham tests only officially sold UK cars, so imports are evaluated based on the insurer’s pricing.

Average insurance group 25e cost

To provide you with an idea of how much it may cost you to insure your insurance group 25 car, we ran several quotes to find an average figure. Based on our results, on average, you could insure your car with a comprehensive policy for the monthly price of £67.20, or an annual sum of £672.

• How we calculated this price

  We generated these quotes using the following assumptions about the vehicle and the driver.

  The vehicle is/has:

  • Insurance group 25 model
  • Factory fitted alarm system
  • Not modified
  • Used for social, domestic and commuting purposes
  • 10,000 mileage per year
  • Parked in a work car park during the day
  • Parked on a driveway at night

  The driver is/has:

  • A 30-year-old, single teacher from London
  • A homeowner
  • Five years no-claims discount
  • No driving or other convictions in the last 5 years

Why are cars in group 25 one of the cheapest?

Cars in insurance group 25 are usually cheaper to insure due to the following factors:

• Lower market value
• Good security features
• Good safety features
• Inexpensive to source parts
• Inexpensive to make repairs
• Smaller less powerful engine

What other factors affect your car insurance premium?

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

• Engine type and capacity. The larger your engine, the more you’re likely to pay for insurance. With a smaller engine, you’re likely to be seen as less of a risk to an insurer. This is usually reflected with a lower premium.
• Driver location. Insurers will factor in the likelihood of your car being stolen or damaged based on your location. It can have a significant impact on your premium. As an example, a 30-year-old in central London will pay £1,184 for insurance for a Land Rover Discovery 2.0 TD4 SE Tech (5 Seat) 5d, while the same 30-year-old in Newcastle may only pay £672.
• Driver age. Insurers will consider your age when it comes to the likelihood of you making a claim. Here’s an example of how it can impact your premium. The average 20-year-old driver in London could pay £4,762 for the Renault Megane 2.0 TCE GT 5d, while the average 40-year-old Londoner will only pay £1,005.

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

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

How can I save on my car insurance premiums?

Choosing a car in insurance group 25 is a great way to reduce the price of your premium.

However, there are a few other things you can do to drive down the cost of your car insurance.

We’ve listed them below:

• Drive safely. Having driving convictions on your record will make your premium more expensive.
• Don’t use your car all of the time. You could cut the cost of your insurance by reducing the number of miles you drive in your vehicle per year. So, consider where you can opt for public transport or for walking.
• Pay annually. By paying annually for your car insurance, you’ll avoid paying interest on monthly repayments.
• Install extra safety precautions. The safer you make your car, the less you’ll be perceived as a risk for making a big claim. Your premium will usually drop to reflect this.
• Shop around. When it’s time for renewal, make sure you compare your options. You’ll be surprised at how much you could save by shopping around.

Frequently asked questions

• What is the lowest insurance group?

  Car insurance groups range from 1-50 with group 1 having the cheapest cars to insure.

• 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.

• Does a lower insurance group mean cheaper car insurance?

  In theory, the lower your car insurance group number, the less you’ll pay for your car insurance. However, insurers take into account other personal factors on top of this.

• What do the letters mean in insurance groups?

  They refer to the security features fitted as standard on the vehicle.

• How many car insurance groups are there 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.

Written by

Danny Butler

Publisher

Danny is a publisher at Finder specialising in insurance and investing. 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. See full bio

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