Car insurance group 10

Car insurance group 10 vehicles are among the cheapest to insure. They are cheaper to insure than groups with higher numbers.

The cars and other vehicles within this category score well in most of the factors used to determine the group ratings. This includes low cost of repair and good safety features.

Car insurance groups explained

Before they are released, all vehicles are placed into an insurance group. They will be assigned a group number from 1 to 50, depending on how expensive they are to insure. The higher the number, the more it will cost.

The guide below explores the factors used to place vehicles within an insurance group. It will also investigate other factors that insurers use to calculate car insurance premiums.

Car makes and models in insurance group 10

In the table below, you’ll see some of the cars listed in insurance group 10. Perhaps you’ll notice that a lot of these cars are very popular. That’s because cars that are cheaper to purchase and run tend to sell more.

Insurance group	Car make/model	Details
10	BMW 2-Series Gran Tourer	A very popular car with 4-star ratings on both Car Buyer and Parker reviews, for its smooth power delivery and handling control.
10	Ford EcoSport	Ford EcoSport has won six awards in different categories at the Bloomberg TV-Autocar Awards 2014.
10	Mercedes A Class	Mercedes-Benz A-Class wins the What Car? Safety Award 2019. The A-Class was the only car to gain an overall score of 90% in Euro NCAP’s 2018 tests for both the protection it offers in the event of a crash and its crash avoidance technology.
10	Nissan Juke SUV	The market-leading Nissan Juke has been named Best Compact SUV at the prestigious Fleet News Awards 2017.
10	Vauxhall Adam Rocks	“The Vauxhall Adam Rocks is an intriguing proposition, combining crossover looks with a semi-convertible roof in a city-car package” from a CarBuyer review.
10	Citroen C3 Picasso	The family-friendly practicality and low running costs of the Citroën C3 Picasso PureTech 110 manual edition was recognized at the 2016 What Car? Car of the Year Awards earlier this year, when it was named MPV Best Buy for less than £16,000.
10	Toyota Verso	Toyota has been awarded a gleaming haul of three gold awards in the Auto Express 2018 Driver Power survey with Aygo, Prius and Verso all named the best cars to own in their category by UK motorists.
10	Hyundai i30 Tourer	Hyundai i30 Tourer achieved the best fuel efficiency out of a test of 30 cars, according to the Tow Car awards and won the “Best Fuel Economy” award.

Cars in insurance group 10 and the average cost by driver’s age

Look out for the make and model of your car in the table below. It will help you work out how much you’re likely to pay for your car insurance, 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: June 2024 (source: Confused).

Insurance group 10 categories

• 10E: Surpasses the security requirements for this type of car, leading to a lower insurance group rating.
• 10A: Meets the standard security requirements for this type of car.
• 10D: Falls short of security requirements for this type of car, resulting in a higher insurance group rating.
• 10U: Security standard is unacceptable. The insurer might require upgraded aftermarket security before providing coverage.
• 10P: Provisional status. Insufficient data is available at launch for classification. This will likely be updated once Thatcham can evaluate the new car.
• 10G: Grey import. Thatcham tests only officially sold UK cars, so imports are evaluated based on the insurer’s pricing.

Average insurance group 10e cost

To provide you with an idea of how much it may cost you to insure your insurance group 10 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 £60.30, or an annual sum of £634.

• 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 10 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 10 some of the cheapest?

Cars in insurance group 10 are among the cheaper cars to insure because they score well for a number of factors that group rankings.

These factors include:

• Good security features
• Good safety features
• Parts that are inexpensive to source
• Low cost of repair
• Low market value
• Smaller and less powerful engine
• Fast repair times

Which other factors affect your car insurance premium?

Here are some other key factors which have a big impact on the cost of your insurance:

• Engine type and capacity. The smaller your engine, the less you’ll typically have to pay for insurance. Smaller engines are cheaper to repair so you’re seen as less risk to an insurer.
• Driver location. Insurers will always consider the location of your home when calculating your car insurance premium. They will use claims data to calculate how likely someone from your local area is to claim. For example, a 30-year-old in central London will pay £839 for insurance for a Dacia Sandero 1.5 dCi Laureate 5d, while the same 30-year-old in Newcastle may only pay £640.
• Driver age. Your premium will be affected by how old you are. Insurers will use claims data to calculate how likely someone of your age is likely to claim. This can have a huge impact on your premium. As an example, the average 20-year-old driver in London could pay £3,041 for the 1.6 Fiat Doblo Multijet (120bhp) Trekking (Start Stop) 5d, while the average 40-year-old Londoner will only pay £776.

There are lots of other factors that can have an impact on the cost of your car insurance premium. These include:

• Your credit history and job
• The model of your car
• The age of your car
• Your car’s security features
• Your car’s safety rating
• Your car insurance claims history
• Your marital status

How to save money on your car insurance premiums

If you’re looking to reduce the cost of your car insurance, choosing a vehicle in insurance group 10 (or lower) is a fantastic start.

Below is a list of other actions you can take.

• Avoid any driving convictions. This may sound incredibly obvious, but having racked up driving convictions will make your car insurance premiums more expensive.
• Drive economically. It’s possible to save money on your insurance by using your car more sparingly. You’ll be asked to estimate your annual mileage when applying for car insurance, and your premium may drop if your mileage does. So consider whether you can opt for public transport or walking for certain journeys.
• Pay annually rather than monthly. Some insurers will charge interest when you choose to pay your premium in monthly instalments. Avoid this extra charge by paying annually.
• Invest in extra safety precautions. If you install extra safety features, your vehicle will be perceived as less of a risk to insurers.
• Don’t just accept your renewal quote. It’s common for insurance companies to hike your premiums upon renewal. You don’t have to accept this. Instead, take the time to shop around for the best deal each year.

Frequently asked questions

• What is the lowest insurance group?

  Car insurance group 1 is the lowest. The cars in this group will be the cheapest 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?

  Yes, although there is a wide range of factors that can influence the cost of your car insurance.

• Are cars in insurance group 10 good for younger drivers?

  Yes, younger drivers tend to face eye-wateringly high car insurance premiums. If they drive an insurance group 10 vehicle, this can help lower these costs.

• What do the letters mean in insurance groups?

  The insurance group will be listed as a number and a letter. The letters refer to the car’s security features that are fitted as standard.

• How many car insurance groups are there in the UK?

  In the UK, there are 50 car insurance groups. Insurance group 1 is the lowest (cheapest). Insurance group 50 is the highest (most expensive).

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 (July ’24). 51% of car insurance customers could save £523.17