Car insurance group 31

Find out which cars are placed in insurance group 31 and how much it might cost to insure them.

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With insurance groups ranging from 1-50, vehicles in group 31 tend to cost a bit more than average to insure.

The cars in this group score OK in factors used to determine the group ratings, such as having good car safety and security features and low repair costs.

We’ll be exploring these factors in greater detail throughout this guide. We’ll also look at the personal factors that insurers take into account when calculating your premium, including your age, location and driving history.

Car makes and models in insurance group 31

Here is a list of the more popular cars in insurance group 31. As mentioned, they are likely to cost a bit more than average to insure.

Insurance groupCar make/modelDetails
31Abarth 595The Abarth 595 won the “Best City Car” car category in the Best Cars Awards 2019 competition. This small super car is surprisingly fast, courtesy of its 1.4-litre turbo engine.
31BMW X4 seriesThe BMW X4 is an insanely fast SUV that sports a powerful turbocharged 3-litre inline-6 engine, capable of accelerating from 0-60 mph in 3.3 seconds.
31Citroen C5This luxury saloon is packed with security and safety features, but it has a high market value compared to other vehicles in its class.
31Jaguar E-PaceThis small sport utility vehicle is one of the more sophisticated vehicles in its class. You can expect a smooth ride both on and off the road.
31Mazda MX-5The MX-5 was rated as the most reliable sports car in the 2019 WhatCar? Reliability Survey. Its upfront cost is also affordable compared to rival vehicles.
31Mercedes CLA-ClassThe Mercedes CLA is a slick coupe that is powered by a 2-litre 4-cylinder engine. It also received a full 5-star safety rating from Euro NCAP.
31Mitsubishi OutlanderThe Outlander is a large SUV with four wheel drive and was awarded five stars by Euro NCAP. It comes with several safety features including seven airbags and stability control.
31Toyota Land CruiserThe Toyota Land Cruiser is a large family SUV that is powered by a 5.7-litre V-8 engine, paired with an 8-speed automatic transmission and is capable off-road.

Cars in insurance group 31 and the average cost by driver’s age

The table below will help you to work out how much it’ll cost to insure your car based on your age.

Make Model / Version Group (1-50) 20yrs 30yrs 40yrs 50yrs Get quote
Abarth 124 Spider GT 1.4 Turbo MultiAir 2d 31 £4,533 £925 £841 £698 Get Quote
Abarth 595 1.4 Tjet 145hp 2d 31 £4,533 £925 £841 £698 Get Quote
Alfa Romeo Giulietta 1.75 TBi Cloverleaf 5d 31 £4,533 £925 £841 £698 Get Quote
Alfa Romeo Stelvio 2.0 Petrol Super 200hp AWD auto 5d 31 £4,533 £925 £841 £698 Get Quote
Audi A1 S Line Competition 40 TFSI 200PS S Tronic auto 5d 31 £4,533 £925 £841 £698 Get Quote
Audi A3 2.0 TFSI 190PS 3d 31 £4,533 £925 £841 £698 Get Quote
Audi A4 40 TFSI 204 S Line S Tronic 5d 31 £4,533 £925 £841 £698 Get Quote
Audi A5 2.0 TFSI 190PS 2d 31 £4,533 £925 £841 £698 Get Quote
Audi A6 2.0 TDI Ultra S Line 4d 31 £4,533 £925 £841 £698 Get Quote
Audi Q3 S Line Edition 2.0 TFSI 180PS Quattro S Tronic auto 5d 31 £4,533 £925 £841 £698 Get Quote
Audi Q5 40 TDI 190PS Quattro S Tronic auto 5d 31 £4,533 £925 £841 £698 Get Quote
BMW 1 Series 125d M Sport (Business Media) 3d 31 £4,533 £925 £841 £698 Get Quote
BMW 2 Series 225d M Sport (Nav) 2d Step Auto 31 £4,533 £925 £841 £698 Get Quote
BMW 3 Series 320d MHT xDrive M Sport (Plus Package and Technology Package) Automatic 5d 31 £4,533 £925 £841 £698 Get Quote
BMW 4 Series 420d (190bhp) SE (Business Media) 5d 31 £4,533 £925 £841 £698 Get Quote
BMW X1 xDrive25d SE auto 5d 31 £4,533 £925 £841 £698 Get Quote
BMW X2 sDrive20i Sport Sport Double Clutch auto 5d 31 £4,533 £925 £841 £698 Get Quote
BMW X3 xDrive20d M Sport 5d 31 £4,533 £925 £841 £698 Get Quote
BMW X4 xDrive20d SE 5d 31 £4,533 £925 £841 £698 Get Quote
Citroen C4 2.0 BlueHDi 16V Exclusive (150bhp) (Techno Pack) 5d 31 £4,533 £925 £841 £698 Get Quote
Citroen C5 2.7HDi V6 Exclusive 5d Auto 31 £4,533 £925 £841 £698 Get Quote
DS 3 1.6 THP Ultra Prestige 2d 31 £4,533 £925 £841 £698 Get Quote
DS 4 1.6 THP (200bhp) DSport 5d 31 £4,533 £925 £841 £698 Get Quote
DS 5 1.6 THP (210bhp) 16V Prestige 5d 31 £4,533 £925 £841 £698 Get Quote
DS 7 SUV La Premiere BlueHDi 180 S&S EAT8 auto 5d 31 £4,533 £925 £841 £698 Get Quote
Ford Mondeo 2.0 TDCi 210PS PowerShift auto 5d 31 £4,533 £925 £841 £698 Get Quote
Ford Edge ST-Line (Lux Pack) 2.0 TDCi 210PS AWD PowerShift auto 5d 31 £4,533 £925 £841 £698 Get Quote
Hyundai i800 2.5 CRDi Style 5d 31 £4,533 £925 £841 £698 Get Quote
Hyundai Sante Fe Endurance Edition 7 Seat 2.2 CRDi 200PS Blue Drive 4WD auto 5d 31 £4,533 £925 £841 £698 Get Quote
Jaguar XE HSE P250 RWD auto 4d 31 £4,533 £925 £841 £698 Get Quote
Jaguar XF Landmark Edition 2.0 Turbocharged Petrol 250PS RWD auto 4d 31 £4,533 £925 £841 £698 Get Quote
Jaguar E Pace P200 AWD auto 5d 31 £4,533 £925 £841 £698 Get Quote
Kia Optima 2.0 T-GDi GT 4dr Auto 4d 31 £4,533 £925 £841 £698 Get Quote
Kia Sorento 1.6 T-GDi HEV 3 Auto 5d 31 £4,533 £925 £841 £698 Get Quote
Kia Sorento 2.2 CRDi 3 DCT 5d 31 £4,533 £925 £841 £698 Get Quote
Land Rover Defender 110 D200 AWD auto 5d 31 £4,533 £925 £841 £698 Get Quote
Land Rover Discovery 2.2 SD4 HSE 5d 31 £4,533 £925 £841 £698 Get Quote
Range Rover Evoque 2.2 eD4 Prestige (Lux Pack) 2WD Hatchback 5d 31 £4,533 £925 £841 £698 Get Quote
Lexus IS 300h SE (Business Nav) 4d CVT Auto 31 £4,533 £925 £841 £698 Get Quote
Lexus NX 300h 2.5 SE (Nav) 5d CVT 31 £4,533 £925 £841 £698 Get Quote
Mazda 6 SkyActiv-D 184ps Sport Nav+ (07/2018 on) 4d 31 £4,533 £925 £841 £698 Get Quote
Mazda MX5 SkyActiv-G 184ps SE-L Nav+ 2d 31 £4,533 £925 £841 £698 Get Quote
Mercedes Benz A class A 250 4Matic AMG Line Premium Plus 7G-DCT auto 5d 31 £4,533 £925 £841 £698 Get Quote
Mercedes Benz B class B250e AMG Line Executive Auto 5d 31 £4,533 £925 £841 £698 Get Quote
Mercedes Benz C class C 220 d Sport 4Matic 7G-Tronic Plus auto 2d 31 £4,533 £925 £841 £698 Get Quote
Mercedes Benz CLA class CLA 220 d WhiteArt Edition (Comand) 7G-DCT auto 4d 31 £4,533 £925 £841 £698 Get Quote
Mercedes Benz GLA class GLA 200 d Sport 8G-DCT auto 5d 31 £4,533 £925 £841 £698 Get Quote
Mini Cooper 1.6 Cooper S Coupe (Chili Pack) 3d 31 £4,533 £925 £841 £698 Get Quote
Mini Convertible Cooper S Sport (Comfort Pack & Navigation Pack) 2d 31 £4,533 £925 £841 £698 Get Quote
Mitsubishi Outlander 4H PHEV 4WD auto 5d 31 £4,533 £925 £841 £698 Get Quote
Peugeot e-2008 Active Electric 50kWh 136 auto 5d 31 £4,533 £925 £841 £698 Get Quote
Peugeot 508 Allure Hybrid 225 e-EAT8 auto 5d 31 £4,533 £925 £841 £698 Get Quote
Renault Megane 2.0 TCE GT Nav 5d 31 £4,533 £925 £841 £698 Get Quote
Skoda Superb Laurin & Klement 2.0 TSI 272PS 4X4 DSG auto (09/19-) 5d 31 £4,533 £925 £841 £698 Get Quote
Toyota Land Cruiser 3.0 D-4D LC3 (173bhp) 5 Seats 5d Auto 31 £4,533 £925 £841 £698 Get Quote
Volkswagen Passat 2.0 TSI 272 R Line 4MOTION DSG 5d 31 £4,533 £925 £841 £698 Get Quote
Volkswagen Beetle 2.0 TSI (210bhp) Sport 2d 31 £4,533 £925 £841 £698 Get Quote
Volkswagen Caravelle SE long wheelbase 2.0 TDI 199PS DSG auto 5d 31 £4,533 £925 £841 £698 Get Quote
Volvo V40 T5 (245bhp) R DESIGN Pro 5d Geartronic 31 £4,533 £925 £841 £698 Get Quote
Volvo S60 D5 (215bhp) ES (Start Stop) 4d 31 £4,533 £925 £841 £698 Get Quote
Volvo V60 D5 (205bhp) ES 5d 31 £4,533 £925 £841 £698 Get Quote
Volvo V70 2.4D SE Lux (RTI NAV) 5d Geartronic 31 £4,533 £925 £841 £698 Get Quote
Volvo S80 2.4 D5 (205bhp) SE Premium 4d 31 £4,533 £925 £841 £698 Get Quote
Volvo XC60 Momentum Pro D4 AWD 5d 31 £4,533 £925 £841 £698 Get Quote
Volvo XC70 D3 (163bhp) Ocean Race 5d 31 £4,533 £925 £841 £698 Get Quote
Volvo V90 Momentum Pro T4 auto 5d 31 £4,533 £925 £841 £698 Get Quote
Abarth 695 Hatchback 1.4 T-Jet 180 3dr 31 £4,533 £925 £841 £698 Get Quote
Abarth 695 Hatchback 1.4 T-Jet 180 3dr 31 £4,533 £925 £841 £698 Get Quote
Abarth 695 Hatchback 1.4 T-Jet 180 3dr Auto 31 £4,533 £925 £841 £698 Get Quote
Abarth 695 Hatchback 1.4 T-Jet 180 Competizione 3dr 31 £4,533 £925 £841 £698 Get Quote
Abarth 695 Hatchback 1.4 T-Jet 180 Competizione 3dr Auto 31 £4,533 £925 £841 £698 Get Quote
Abarth 695 Hatchback 1.4 T-Jet 180 Turismo 3dr 31 £4,533 £925 £841 £698 Get Quote
Abarth 695 Hatchback 1.4 T-Jet 180 Turismo 3dr Auto 31 £4,533 £925 £841 £698 Get Quote

Insurance group 31 categories

  • 31E: Surpasses the security requirements for this type of car, leading to a lower insurance group rating.
  • 31A: Meets the standard security requirements for this type of car.
  • 31D: Falls short of security requirements for this type of car, resulting in a higher insurance group rating.
  • 31U: Security standard is unacceptable. The insurer might require upgraded aftermarket security before providing coverage.
  • 31P: Provisional status. Insufficient data is available at launch for classification. This will likely be updated once Thatcham can evaluate the new car.
  • 31G: Grey import. Thatcham tests only officially sold UK cars, so imports are evaluated based on the insurer’s pricing.

Average insurance group 31e cost

To provide you with an idea of how much it may cost you to insure your insurance group 31 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 £92.16, or an annual sum of £925.

Why are cars in group 31 more expensive?

Cars in insurance group 31 usually score a tiny bit below average for the following factors. That’s why they cost slightly higher than average to insure.

  • Low market value
  • Low repair costs
  • Small engine
  • Good security features
  • Good safety features

What other factors affect your car insurance premium?

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

  • Engine type and capacity. Larger engines cost more to repair or replace. As such, the bigger your engine, the more you’re likely to pay for insurance.
  • Driver location. Insurers factor in the likelihood that your car will be stolen or involved in an accident based on your location. If you live in an area where a lot of claims are made, you’ll pay more. As an example, a 30-year-old in central London will pay £2,157 for insurance for a Audi A3 2.0 TFSI 190PS 3d, while the same 30-year-old in Newcastle may only pay £925.
  • Driver age. Your age plays a big role in determining the cost of your insurance premium. This is because insurers will calculate the likelihood of someone your age making a claim, based on previous claims data. Younger drivers face higher premium costs for this reason. The average 20-year-old driver in London could pay £29,584 for the BMW X1 xDrive25d SE auto 5d, while the average 40-year-old Londoner will only pay £1,798.

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

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

How can I save on my car insurance premiums?

Choosing a car in a low car insurance group will help to reduce the price of your premium.

However, there are plenty of things you can do to reduce the cost of insuring a car in insurance group 31.

Here are some ideas:

  • Drive safely. It may sound obvious, but insurers offer lower premiums to safe drivers. Having convictions on your record will make your premium more expensive.
  • Don’t use your car as much. You could save money on your insurance by reducing your annual mileage. So, think about which journeys you could make by walking or by taking public transport.
  • Pay annually. By paying annually, you’ll avoid interest charges on monthly instalments.
  • Install extra safety precautions. The safer you make your car, the cheaper your premium will be.
  • Shop around for the best deal. The best car insurance deals tend to be offered to new customers, so don’t blindly accept your existing insurer’s renewal quote. Use price comparison sites to find out if another insurer will offer you a lower price.

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. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (Mar ’24). 51% of car insurance customers could save £539.54
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Written by

Danny Butler

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 profile

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