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What cars are in car insurance group 5?

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A vehicle’s insurance group significantly influences whether or not cheap car insurance is realistic. The Association of British Insurers categorises every car into one of 50 groups, denoting the premium rates for that model. Our guide examines group 5, one of the most budget-friendly categories.

What cars are in insurance group 5?

Car insurance group 5 houses economy vehicles such as the following:

  • Volkswagen Polo
  • Smart Fortwo Cabriolet
  • Toyota Aygo
  • Nissan Micra
  • Citroen C3
  • Ford Fiesta
  • Hyundai i10
  • Peugeot 207

Determining factors of insurance group 5

Factor Description
Engine size Group 5 cars typically have 1.0-1.2-litre petrol engines. More powerful units increase costs.
Repair costs Basic parts keep spare parts pricing low. Simple mechanics reduce potential garage bills.
Safety features Features such as airbags and immobilisers are common. More features means lower risk.
Performance With zero to 60 mph times of 10-13 seconds, group 5 cars have very modest performance.
Theft risk Inexpensive superminis and city cars are less appealing to thieves than luxury models.
Driver profile Insurers see group 5 cars as very suitable for new, young and budget-conscious motorists due to their low running costs.

Who are group 5 cars most suitable for?

Group 5 cars are some of the cheapest to insure, and premiums can be affordable for:

  • New drivers: Group 5 offers ideal first cars with insurance costs that new motorists can better afford
  • Young drivers: Their low running costs deliver basic transport without pricey extra charges
  • Low mileage drivers: Occasional drivers appreciate group 5’s low insurance rates and running costs
  • City dwellers: Nimble superminis and city cars are a practical choice where parking space is limited
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Which car insurance group am I in?

You can look up your vehicle’s insurance group by entering its make, model and registration year into a free online insurance group checker tool.

Your insurer can also confirm the specific group your car is currently categorised under. Knowing your insurance group assists in assessing premium quotes since vehicles in higher groups generally have more expensive insurance rates.

It’s important to note that insurance groups are regularly re-evaluated and can change over time based on updated risk analysis. For instance, several Audi A3 models moved from insurance group 16 to group 19 in 2022. So always double-check your car’s present group when renewing your policy to get precise quotes.

In summary, group 5 provides some of the most budget-friendly insurance premiums for drivers wanting basic, low-cost transportation. The trade-off is that these are older, smaller cars with more limited equipment than vehicles in higher groups. But for a cheap run-around, group 5 models fit the bill.

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.