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What cars are in car insurance group 4?

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You might not realise it, but a car’s insurance group plays a huge part in whether or not you can get a cheap car insurance quote. The Association of British Insurers assigns every vehicle to one of 50 groups, indicating the premium pricing for that model. Our guide focuses on group 4, one of the lowest and most affordable categories.

What cars are in insurance group 4?

Insurance group 4 includes cars such as:

  • Citroen Berlingo Multispace
  • Volkswagen Polo Hatchback
  • Nissan Micra Hatchback
  • MG Motor UK MG3
  • Kia Picanto Hatchback
  • Citroen C1
  • Toyota iQ
  • Vauxhall Corsa Hatchback

This group comprises basic but practical small cars and city run-arounds. Their low specs and modest performance result in lower insurance costs.

Factors determining insurance group 4

Factor Description
Engine size Most group 4 cars have 1.0-1.2-litre petrol engines. Larger motors increase costs.
Repair costs Parts are inexpensive given the simple mechanics and lack of luxury fittings.
Safety features They include basic equipment such as airbags and immobilisers. More safety features mean lower premiums.
Performance With zero to 60mph times of more than 12 seconds, group 4 cars have a very modest pace. This keeps insurance costs down.
Threat of theft Small city cars are less appealing to thieves than expensive SUVs and executive saloons.
Driver profile Insurers see group 4 cars as suitable for new and young drivers due to their low value and running costs.

Who are group 4 cars most suitable for?

With insurance group 4’s low premiums, they can be affordable options for:

  • New drivers: Group 4 offers an inexpensive first car to get experience without astronomical insurance costs
  • Younger motorists: Group 4 provides basic transportation without the high running expenses of more powerful cars
  • City dwellers: Their compact size makes group 4 cars ideal for urban driving and parking
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Which car insurance group am I in?

You can determine your vehicle’s insurance group by inputting the make, model and registration year into a free online car insurance group checker tool. 

Your insurance provider can also verify the specific group your car is categorised under. This assists in evaluating premium quotes since vehicles in higher groups usually have pricier insurance rates.

It’s vital to note that insurance groups are regularly re-examined and subject to change over time. For example, the Vauxhall Corsa models shifted from insurance group 3 to group 4 in 2022 based on updated risk analysis. So always confirm your car’s present group when renewing your policy to obtain accurate quotes.

In summary, group 4 vehicles present an optimal mix of affordability and practicality for motorists seeking low-cost insurance and ownership expenses.

Nick Jones

Editor in Chief

Nick Jones is a highly experienced consumer journalist and editor, who has been writing and producing content for print and online media for over 25 years.

He has worked at some of the UK’s leading publishers including Future Publishing, Highbury Entertainment, and Imagine Publishing, with publications as diverse as Homebuilding & Renovating, TechRadar, and Creative Bloq, writing and editing content for audiences whose interests include history, computing, gaming, films, and science. He’s also produced a number of podcasts in the technology, science, gaming, and true crime genres.

Nick has also enjoyed a highly successful career in content marketing, working in a variety of topics such as health, technology, and finance, with market-leading global companies including Cisco, Pfizer, Santander, and Virgin Media.

Now the Editor-in-Chief of the Independent Advisor, Nick is involved in all aspects of the site’s content, where his expertise in finance, technology, and home products informs every article that’s published on-site. He takes a hands-on approach with our VPN content, penning a number of the articles himself, and verifying that everything we publish in this topic is accurate.

Whatever the area of interest he’s worked in, Nick has always been a consumer champion, helping people find the best deals and give them the information they need to make an informed buying decision.