List of cars in insurance group 14

Cars in insurance group 14 are often on the cheaper side to insure. After all, this group is on the lower spectrum of the 50 groups created by Thatcham Research.

The cars in this group (some of which are listed below) usually have good safety features and less powerful engines, as well as being relatively inexpensive to repair.

Car insurance groups explained

These 50 car insurance groups were created by Thatcham Research to help insurers calculate how much they should charge motorists for their specific car. Before being made available to buy, all vehicles are assigned an insurance group from 1 (cheapest to insure) to 50 (most expensive).

The group a particular vehicle is assigned to depends on a variety of factors including its overall performance, safety and security features and its market value.

A car’s insurance group isn’t the only factor that determines the price of a car insurance premium. Insurers also consider a number of factors surrounding the car owner, including their age, driving history and location.

In this guide, we’ll explore these factors deeper, explaining why they’re important to insurers.

Car makes and models in insurance group 14

Here are some of the more well-known cars that appear in insurance group 14.

Cars in insurance group 14 and the average cost by driver’s age

Using the table below, you can find the specific make and model of your car, then calculate how much you’re likely to pay to insure it, 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 14 categories

• 14E: Surpasses the security requirements for this type of car, leading to a lower insurance group rating.
• 14A: Meets the standard security requirements for this type of car.
• 14D: Falls short of security requirements for this type of car, resulting in a higher insurance group rating.
• 14U: Security standard is unacceptable. The insurer might require upgraded aftermarket security before providing coverage.
• 14P: Provisional status. Insufficient data is available at launch for classification. This will likely be updated once Thatcham can evaluate the new car.
• 14G: Grey import. Thatcham tests only officially sold UK cars, so imports are evaluated based on the insurer’s pricing.

Average insurance group 14e cost

To provide you with an idea of how much it may cost you to insure your insurance group 14 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 £70.50, or an annual sum of £705.

• 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 14 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 14 on the cheaper side?

Cars in insurance group 14 are among the cheaper cars to insure, because they score well in a number of factors that determine which group the car will fall under.

Among these factors are:

• Powerful security features
• A good range of safety features
• Inexpensive parts
• Inexpensive repair costs
• Fast repair times
• Low market value

Which other factors affect your car insurance premium?

Along with your vehicle’s insurance group, these factors will also have a notable impact on the price of your premium:

• Engine size, type and capacity. A car with a larger, more powerful engine will cost more to replace or repair. Your premium will be hiked up to reflect this extra financial risk put on the insurer.
• Driver location. The location where you keep your car has a notable impact on your likelihood of making a claim. That’s why insurers will always ask for your address, as well as whether you park on the street, a driveway or in a garage. Your answers can affect your premium quite a bit. A 30-year-old in central London will pay £1,092 for insurance for a Ford Focus 1.5 Ford EcoBlue 120PS 5d, while the same 30-year-old in Newcastle may only pay £712.
• Driver age. The age of a driver has a significant impact on whether they’ll make a claim or not. Younger drivers are well-known for being the most likely to claim and their premiums reflect this added risk to insurers. The average 20-year-old driver in London could pay £4,245 for the BMW 1-Series 114d ES (Business Media) 3d, while the average 40-year-old Londoner will only pay £845.

Insurers consider a whole host of other factors when calculating the best premium they can offer you. Some of them might surprise you. They include:

• Your car’s safety rating, security and anti-theft precautions
• The age of your car
• The make and model of your car
• Your marital status
• Your credit history
• Your occupation
• Your driving history
• The length of your no-claim discount
• The likelihood of your particular car being stolen

How to save money on your car insurance premium

If you would like to save money on your car insurance, choosing a car in insurance group 14 (or lower) is a great start.

Here are some more steps you can take to reduce your car insurance premium:

• Avoid any driving convictions. If you have registered any driving or criminal convictions recently, this will make your premium more expensive.
• Be economical about your car usage. Insurers will always ask for your annual mileage when you apply for insurance. You could save money if you reduce yours. However, if you go over the figure that you tell your insurer, it could invalidate your policy. So, consider opting for public transport or walking whenever you can to keep your mileage down.
• Pay annually rather than monthly. This eliminates the possibility of having to pay interest on monthly instalments.
• Install extra safety precautions. This reduces the risk of you making a large claim. This makes you less of a risk to insurers and will usually result in them lowering your premium.
• Shop around for the best deal each year. When it’s time for renewal, make sure you compare your options. Often, your existing insurer won’t offer you the best deal.

Frequently asked questions

• What is the lowest insurance group?

  Car insurance groups range from 1-50. Group 1 is the lowest and contains 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, yes. However, there are several factors outside of this that affect the cost of your car insurance.

• Are cars in insurance group 14 good for younger drivers?

  Yes, because these cars are likely to be cheaper to insure. Young drivers often face eye-wateringly high premiums. Driving a car in insurance group 14 will help to keep the costs down.

• What do the letters mean in insurance groups?

  On a particular vehicle, the insurance group is as a number and a letter. The letters refer to the security features fitted as standard on the vehicle.

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

  There are 50 car insurance groups in total.

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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