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.

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

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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.

Written by

Danny Butler

Publisher

Danny is a publisher at Finder specialising in insurance and investing. He previously worked at the global insurer Aon and has appeared in national media giving advice on insurance. Danny holds a BA in International Business from the University of Plymouth and has undying loyalty to his average-poor football team, Portsmouth FC. See full bio

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