List of cars in insurance group 13

Cars in insurance group 13 cars are on the cheaper side to insure. That’s because group 13 is at the lower end of the 50 insurance groups compiled by Thatcham Research.

In this guide, we’ll explore some of the factors used to determine the group ratings, and how cars in group 13 tend to score for them.

Car insurance groups explained

Thatcham Research created the 50 car insurance groups to help insurers offer motorists a reasonable premium based on how much they’d need to pay out to repair a particular car. All vehicles are assigned an insurance group from 1-50, with group 1 having the cheapest and group 50 the most expensive.

The group a particular vehicle fits into is mostly determined by the value of the cars and its parts. However, a car’s safety features and its overall performance are also considered. The car insurance group isn’t the only factors affecting premiums. On top of that, insurers will consider your personal circumstances including: your age, driving history and location.

With that in mind, it’s always important to compare policies to find one that works for you.

Car makes and models in insurance group 13

Here is a selection of popular cars in insurance group 13 that are likely to come with a cheaper car insurance policy.

Cars in insurance group 13 and the average cost by driver’s age

Using the table below, you can find the make and model of your car, and estimate how much you’re likely to pay for 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 13 categories

• 13E: Surpasses the security requirements for this type of car, leading to a lower insurance group rating.
• 13A: Meets the standard security requirements for this type of car.
• 13D: Falls short of security requirements for this type of car, resulting in a higher insurance group rating.
• 13U: Security standard is unacceptable. The insurer might require upgraded aftermarket security before providing coverage.
• 13P: Provisional status. Insufficient data is available at launch for classification. This will likely be updated once Thatcham can evaluate the new car.
• 13G: Grey import. Thatcham tests only officially sold UK cars, so imports are evaluated based on the insurer’s pricing.

Average insurance group 13e cost

To provide you with an idea of how much it may cost you to insure your insurance group 13 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 £69, or an annual sum of £697.

• 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 13 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 13 on the cheaper side?

These cars are among the cheaper ones to insure, mostly due to:

• Low market value
• Smaller engine
• Cheaper parts
• Low repair cost
• Fast repair times
• Good security and safety features

Which other factors affect your car insurance premium?

Here are some other factors that will have a notable impact on your car insurance premium:

• Engine type and capacity. The bigger and more powerful that your engine is, the more it’ll typically cost to insure your car. That’s because larger engines are more expensive to repair or replace, and therefore present a bigger risk to insurers.
• Driver location. Insurers will calculate the likelihood of your car being stolen or involved in an accident based on your location. They will use previous claims data to do this. As an example, a 30-year-old in central London will pay £1,005 for insurance for a Scoda Octavia 1.6 TDI CR S 5d, while the same 30-year-old in Newcastle may only pay £704.
• Driver age. Your age can be one of the most important factors when it comes to determing your car insurance costs. The average 20-year-old driver in London could pay £4,296 for the Vauxhall Astra 1.6 CDTi 16V ecoFLEX Tech Line (Start Stop) 5d, while the average 40-year-old Londoner will only pay £820.

Among the other factors considered by insurers are:

• The model and age of your car
• Your car’s safety features
• Your marital status
• Your credit history and job
• Your driving activity
• Your driving history
• Optional extras
• Where you park the car overnight
• Your no claims discount

Learn about other factors that affect your insurance policy costs

How can I save on my car insurance premiums?

Cheaper cars are mostly cheaper to insure, so buying a car in insurance group 13 is a great way to start.

On top of that, here are a few other things you can do to cut insurance costs.

• Drive safely. If you have previous claims or driving convictions on your record, insurers will perceive as a big risk and hike your premium to make up for this.
• Reduce your mileage. Insurers will ask for your annual mileage and will often offer lower quotes to those who use their car sparingly.
• Install extra safety features. Safety features reduce the risk of you damaging your car and having to make a huge claim. That’s why insurers offer cheaper quotes on vehicles that have lots of safety features installed.
• Don’t just accept your renewal quote. Shop around for the cheapest car insurance quote every year. Often, you’ll save a lot of money by switching providers every year.
• Pay annually rather than monthly. By paying annually, you avoid the possibility of paying interest on monthly instalments!

Frequently asked questions

• What is the lowest insurance group?

  Group 1 is the lowest and has the cheapest cars 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?

  In theory, the lower your car insurance group number, the less you’ll pay for your car insurance policy will be. In reality, it’s more complicated than that because insurers also consider a range of personal factors when calculating your quote.

• Are cars in insurance group 13 good for younger drivers?

  Yes, because younger drivers often face the most expensive car insurance premiums. Driving a vehicle in car insurance group 13 should help to keep these costs down. If you want to get your insurance costs down further, you should opt for a vehicle in car insurance groups 1-10.

• What do the letters mean in insurance groups?

  The letters refer to the security features fitted on the vehicle as standard.

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

  There are 50 car insurance groups in total, with group 1 being the lowest (cheapest) and group 50 being the highest (most expensive).

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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