List of cars in insurance group 11

Insurance group 11 vehicles are often on the cheaper side to insure. That’s because group 11 is at the lower end of the 50 car insurance groups compiled by Thatcham Research.

The cars in this category score well in the various factors that Thatcham Research uses to determine the group ratings, which include safety features, the cost of repair and the size of the engine.

You’ll learn more about these factors in the guide below.

Car insurance groups explained

All vehicles are assigned an insurance group from 1 (cheapest) to 50 (most expensive) before they are made available.

The groups are used to help insurers determine the cost of your premium. The group a particular type of car fits into is based on the perceived risk of an insurer paying out a lot of money. The factors considered include a car’s performance, the cost of parts replacement, and its safety and security features.

These aren’t the only factors used to determine your premium. Personal factors such as your age, location and driving history all play a significant part too.

Still, the car insurance group that your car slots into plays a key role.

Car makes and models in insurance group 11

Below is a selection of cars in insurance group 11. These cars are all likely to come with a cheaper car insurance policy.

Insurance group	Car make/model	Details
11	Vauxhall Meriva	Clever rear-hinged rear doors make access to this vehicle easy. It has a versatile cabin, is quiet and comfortable on the move.
11	Volkswagen Golf	The ever-popular Golf features excellent steering, a new intuitive virtual cockpit and smart voice control.
11	Nissan Juke	An affordable small SUV which delivers a great all-round drive with impressive infotainment extras.
11	Skoda Citigo	Skoda’s city car offers practical performance and an impressive fuel economy.
11	Smart Fortwo	The original compact car is back as a third generation. Its diminutive size means it’s the best car to park in the city.
11	Citroen C1	This fresh and affordable city car is fun and easy to drive, and was rated four stars for safety by Euro NCAP.
11	Fiat Panda	This fun-sized city car has tons of personality and is very reliable. This affordable vehicle is a great choice for first-car buyers.
11	Hyundai i30	This is a sturdy and dependable family car, and comes with a range of safety features including touchscreen navigation, plus rear and front parking assist.

Cars in insurance group 11 and the average cost by driver’s age

Below is a table you can use to find your car, and work out how much you’re likely to pay for your car insurance policy, 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 11 categories

• 11E: Surpasses the security requirements for this type of car, leading to a lower insurance group rating.
• 11A: Meets the standard security requirements for this type of car.
• 11D: Falls short of security requirements for this type of car, resulting in a higher insurance group rating.
• 11U: Security standard is unacceptable. The insurer might require upgraded aftermarket security before providing coverage.
• 11P: Provisional status. Insufficient data is available at launch for classification. This will likely be updated once Thatcham can evaluate the new car.
• 11G: Grey import. Thatcham tests only officially sold UK cars, so imports are evaluated based on the insurer’s pricing.

Average insurance group 11e cost

To provide you with an idea of how much it may cost you to insure your insurance group 11 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 £67, or an annual sum of £692.

• 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 11 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 11 on the cheaper side?

The factors used to place cars into an insurance group include:

• The car’s market value
• Security features
• Safety features
• The cost of sourcing parts
• The cost of making repairs
• The engine size
• The time it takes to repair

Cars in insurance group 11 usually score well for most of these factors.

Which other factors affect your car insurance premium?

Along with the insurance group of your vehicle, these three factors will also have a huge impact on the cost of your insurance:

• The car’s engine. The size, type and capacity of your engine will definitely be considered. The larger and more powerful your engine, the more you’re likely to pay for insurance. This is because larger engines cost more and take longer to repair.
• Your location. Insurers will consider where you live and where you park your car at night. They will use this data to estimate the likelihood of your car being damaged or stolen when you’re not using it, based on previous claims data. As an example, a 30-year-old in central London will pay £942 for insurance for a Toyota Yaris 1.5 VVT-i Hybrid Sport (Nav) 5d CVT Auto, while the same 30-year-old in Newcastle may only pay £699.
• Your age. Insurers will also use your age to determine the likelihood of you making a claim, based on previous claims data. This can have a huge impact on your premium. For example, the average 20-year-old driver in London could pay £3,308 for the Hyundai i30 SE Nav 1.6 CRDi 110PS DCT auto 5d, while the average 40-year-old Londoner will only pay £824.

Other factors impacting the price of your premium, include:

• The age and model of your car
• Your driving history, including how many claims you have made in the past
• Your car’s security, safety rating and anti-theft precautions
• Your marital status
• Your job title
• Your credit history

How can I save on my car insurance premium?

You can reduce the price of car insurance premium by choosing a car in insurance group 11 or lower. Here are some more things you can do:

• Shop around for the best deal. It pays off to shop around for the cheapest car insurance quote every year. More often than not, you’ll save money by switching providers.
• Be economical about your car usage. You’ll often be offered a lower premium if you’re more sparing with your car usage. So, consider if there are car journeys you can avoid by opting for public transport or walking instead.
• Install extra safety precautions. The more safety precautions you add to your car, the better your premium will be. Any feature that makes your vehicle more secure and less of a risk to insurers will be reflected in the price of your premium.
• Pay annually rather than monthly. By doing so, you avoid the possibility of paying interest on monthly payments.
• Avoid any driving convictions. It may sound obvious, but having driving convictions (or criminal convictions) on your record will make your premium more expensive.

Frequently asked questions

• What is the lowest insurance group?

  Car insurance groups range from 1-50. Group 1 is the lowest and has the cheapest cars to insure.

• Does a lower insurance group mean cheaper car insurance?

  In theory, driving a car in a lower car insurance group should cut the cost of your insurance policy. However, there are several factors outside of this that can influence the cost of your car insurance.

• Are cars in insurance group 11 good for younger drivers?

  Yes, young motorists are often encouraged to purchase these cars to help cut their eye-wateringly high car insurance costs.

• 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.

• What do the letters mean in insurance groups?

  On any particular vehicle, the insurance group will be listed as a number and a series of letters. The letters refer to the security features installed as standard.

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

  There are 50 car insurance groups, with group 1 being the cheapest and group 50 being the most expensive to insure.

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