List of cars in insurance group 15

Insurance group 15 cars are a good option if you’re looking for a relatively cheap vehicle to insure. With group 15 being at the lower end of insurance groups, you can expect to be offered a reasonable premium to insure vehicles in this group, compared to those in higher groups.

In this guide, we’ll explore what factors influence the placement of vehicles into this group.

Car insurance groups explained

When it comes to insurance, all vehicles are placed within an insurance group from 1-50. Group 1 features the cheapest vehicles to insure, and group 50 features the costliest vehicles.

The group your vehicle slots into depends mostly on its performance, safety features, security features, the cost of part replacement and the overall market value.

The car insurance group isn’t the only factor considered by insurers though. They will also take into account your personal circumstances, including your age, driving history and location.

Car makes and models in insurance group 15

There’s a number of popular cars in insurance group 15. You can expect a reasonable premium quote when insuring all these vehicles.

Insurance group	Car make/model	Details
15	Audi A1	The A1 has a smart interior design and plenty of safety features. It received five stars in the Euro NCAP awards.
15	Volkswagen Golf	The ever-popular Golf won the Compact Car of the Year at the Auto Express Awards. It’s well-known for its excellent steering, plus it features a new intuitive virtual cockpit with smart voice control.
15	BMW 2-Series	This 2-door sports car thrills motorists with its crisp handling and a sleek chassis with the solid build that you expect from BMW.
15	Mercedes-Benz A Class	The premium hatchback is widely praised for its ride quality, interior comfort and low running costs.
15	Skoda Octavia	The popular Octavia is roomy and dependable. It has bagged a 5-star Euro NCAP safety rating and ranks consistently well in the What Car? reliability survey.
15	Toyota Yaris	The compact vehicle has light steering and is fun to drive. It comes with plenty of safety features with its best-value trim, including a rearview camera.
15	Citroen C4	This family hatchback has received four out of five stars from Euro NCAP.
15	Hyundai ix35	This car is well-known for its spaciousness and affordable running costs for a compact crossover.

Cars in insurance group 15 and the average cost by driver’s age

Using the table below, you can pick the make and model of your car, then estimate the cost of your car insurance based on your age.

Search for...

• 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 15 categories

• 15E: Surpasses the security requirements for this type of car, leading to a lower insurance group rating.
• 15A: Meets the standard security requirements for this type of car.
• 15D: Falls short of security requirements for this type of car, resulting in a higher insurance group rating.
• 15U: Security standard is unacceptable. The insurer might require upgraded aftermarket security before providing coverage.
• 15P: Provisional status. Insufficient data is available at launch for classification. This will likely be updated once Thatcham can evaluate the new car.
• 15G: Grey import. Thatcham tests only officially sold UK cars, so imports are evaluated based on the insurer’s pricing.

Average insurance group 15e cost

To provide you with an idea of how much it may cost you to insure your insurance group 15 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 £66, or an annual sum of £668.

• 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 15 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 15 on the cheaper side?

Vehicles in the lower groups tend to score well for the following factors:

• Good security features
• Lots of safety features
• Inexpensive to source parts and make repairs
• Low market value
• Small engine size
• Low repair times

Vehicles in insurance group 15 (and lower) definitely score very well regarding these attributes.

Which other factors affect your car insurance premium?

Here are some of the other key factors that affect the cost of your insurance:

• Engine type and capacity. A bigger engine will cost more to replace or repair. Insurers will usually hike up your premium to reflect these extra costs.
• Driver location. Insurers calculate the likelihood that your car will be stolen or involved in an accident based on your location. This is based on previous claims data. As an example, a 30-year-old in central London will pay £1,465 for insurance for a Citroen C4 1.6 HDi VTR+ 5d, while the same 30-year-old in Newcastle may only pay £674.
• Driver age. Your age plays a massive role in determining the cost of your insurance premium. Younger drivers in particular face a huge hike in their premiums, because data proves they’re far more likely to make a claim. The average 20-year-old driver in London could pay £4,635 for the BMW 2-Series 114d ES (Business Media) 3d, while the average 40-year-old Londoner will only pay £1,203.

Here are some other key factors that can impact the cost of your premium.

• Your marital status
• Your credit history
• Your car’s safety rating, security and anti-theft precautions
• The likelihood of theft, based on criminal data
• The model and age of your car
• Your driving activity, including previous convictions
• Your driving history
• The length of your no-claims discount
• Your job title

How can I save on my car insurance premiums?

Driving a car in insurance group 15 (or lower) is a great way to reduce the cost of your car insurance. On top of that, there are a few other things you can do to lower the cost of your car insurance, and we have listed them for you below:

• Avoid any driving or criminal convictions. These will make your premium skyrocket.
• Reduce your annual mileage. This will often lower your premium. Don’t drive more miles than what you’ve told your insurer you would though, as this could invalidate your policy.
• Pay annually. Many insurers will charge interest if you choose to pay in monthly instalments.
• Install extra safety features. The safer your car is, the lower your premium is likely to be.
• Shop around for the best deal. You’ll usually be able to beat your renewal quote by switching providers.

Frequently asked questions

• What is the lowest insurance group?

  Car insurance group 1 is the lowest and features the cheapest vehicles 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, this is true. It’s important to remember that there are many personal factors that can influence the cost of your car insurance though.

• What do the letters mean in insurance groups?

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

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

  There are 50 car insurance groups in total.

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