What Cars Are In Insurance Group 5?

In the UK, vehicles are categorised into different groups for car insurance purposes. These groups range from 1 to 50 with Group 1 being the cheapest to insure and Group 50 the most expensive. Insurance Group 5 is, therefore, considered to be a low-cost category offering the advantage of reduced premiums. However, it also provides more flexibility in engine size, trim, and model options than the more restrictive Groups 1-4. 

On top of this, they also hold their value well and are widely available in the used car market, making them a great option for those looking to keep costs down or purchasing their first car.

Many people assume that choosing a car in a lower insurance group means sacrificing options like engine size, design, and model choice. While this may be true for vehicles in Groups 1-4, insurance Group 5 provides more flexibility without significantly increasing insurance costs.

Here are some additional advantages:

Lower Insurance Premiums

As we’ve mentioned, Group 5 falls on the more affordable end of the insurance scale. Vehicles in this category typically have lower insurance costs compared to those in higher groups, making them a more cost-effective choice. Whether you’re a new driver, a young driver, or simply looking to reduce your overall motoring expenses, opting for a Group 5 car can be a smart way to keep your premiums manageable while still enjoying a reliable vehicle. 

More Affordable Running Costs

When cars fall into insurance Group 5, it means that they typically have smaller engines and are much more fuel-efficient than the more expensive cars in higher groups. This means drivers can expect lower fuel costs, cheaper road tax, and reduced maintenance and servicing expenses.

Easier to Find in the Used Car Market

As these vehicles are usually popular, they're mass-produced. This means you can buy them as a new car or in the used car market at competitive prices. Moreover, as they are so popular, spare parts are more affordable and readily available, reducing maintenance costs.

Here's who might benefit from a Group 5 car, and why:

• Young and Newly Qualified Drivers: Those who have recently passed their test or drivers under the age of 25 can expect to pay a higher car insurance premium than others. This is due to the increased risk of an accident or a claim due to a lack of experience on the road. Choosing a car in Group 5 could help keep these costs down.
• City Drivers: City drivers often need vehicles that are compact, fuel-efficient, and easy to park. This makes vehicles in car insurance Group 5 an ideal choice.
• Budget Conscious Families: Families hoping to keep the cost of living down without compromising on a car might want to consider vehicles in car insurance Group 5. Cars in this group are ideal for commuting, school runs, and running errands.

While choosing a vehicle from Group 5 can help to lower your insurance costs, there are other ways that drivers can find cheaper car insurance quotes.

• Consider a black box policy: Insurance companies reward careful drivers, and a black box policy can help you to show your insurers that you're just that. The small box installed in your car will monitor and collect data on your driving habits, such as braking, your speed, and the time of day or night that you drive. The safer you drive, the lower your premiums could be.
• Pay annually: Drivers who choose to pay for their insurance annually often pay a little less than those who pay in monthly instalments. This is because monthly payments often come with additional admin and interest fees.
• Park securely: Keeping your vehicle in a garage, driveway, or secure parking lot overnight can help lower your insurance costs compared to parking on a main road.
• Build a no-claims discount: A no-claims discount is a reward for careful drivers who haven't claimed over a certain period. The longer you can go without making a claim, the better your NCD will be.
• Compare as many car insurance quotes as possible: To find the best deal, shop around and compare quotes from various providers. It's a simple but effective way to find the best price for the right cover.