List of cars in insurance group 20

What is insurance group 20?

Insurance group 20 cars are often on the cheaper side to insure. With group 20 being at the lower end of the 50 insurance groups created by Thatcham Research, you can expect them to have relatively good car safety features and inexpensive repair costs. These are among the key factors used to determine which group a vehicle is placed in.

Below, you’ll discover more of the factors considered and how they affect your insurance costs.

Car insurance groups explained

Thatcham Research created 50 car insurance groups to help insurers determine appropriate premiums to offer to customers.

Before being made available to buy, all vehicles are assigned an insurance group from 1 (cheapest) to 50 (most expensive). This is mostly based on the car’s market value, performance, safety and security features and part replacement costs compared to other vehicles.

A car’s insurance group isn’t the only factor that determines the premiums offered to you. Insurance companies will also investigate a range of personal factors, including age, location and driving history.

Car makes and models in insurance group 20

You’ll notice there are a number of popular cars in insurance group 20. You can expect all of these to come with a comparatively cheap car insurance policy.

Cars in insurance group 20 and the average cost by driver’s age

The table below will help you estimate the cost of your car insurance based on the make and model of your car as well as 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 20 categories

• 20E: Surpasses the security requirements for this type of car, leading to a lower insurance group rating.
• 20A: Meets the standard security requirements for this type of car.
• 20D: Falls short of security requirements for this type of car, resulting in a higher insurance group rating.
• 20U: Security standard is unacceptable. The insurer might require upgraded aftermarket security before providing coverage.
• 20P: Provisional status. Insufficient data is available at launch for classification. This will likely be updated once Thatcham can evaluate the new car.
• 20G: Grey import. Thatcham tests only officially sold UK cars, so imports are evaluated based on the insurer’s pricing.

Average insurance group 20e cost

To provide you with an idea of how much it may cost you to insure your insurance group 20 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 £69.46, or an annual sum of £694.

• 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 20 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 20 on the cheaper side?

These vehicles are among the cheaper ones to insure because they tend to score well for the following factors.

• Low market value
• Good security features
• A range of useful safety features
• Parts are inexpensive to source
• Repair costs are low
• Repair times are quick
• Smaller engine size

Which other factors affect your car insurance premium?

Along with your car’s insurance group, these three factors will also have a significant impact on the cost of your insurance:

• Engine type and capacity. The larger your engine, the more you’re likely to pay for insurance. The reason for this is that larger engines are more expensive to repair or replace.
• Driver location. Insurers will use previous claims data to determine the likelihood of your car being stolen or involved in an accident in your area. This can affect your premium significantly. As an example, a 30-year-old in central London will pay for insurance for a Citroen c3 Feel BlueHDi 100 S&S 5d, while the same 30-year-old in Newcastle may only pay .
• Driver age. Insurers will consider the likelihood of someone your age making a claim on their policy and adjust your premium based on this. That’s bad news for younger drivers who are statistically far more likely to make a claim. The average 20-year-old driver in London could pay £5,429 for the Lexus CT 200h SE E-CVT auto (09/2017 on) 5d, while the average 40-year-old Londoner will only pay £1,126.

Other factors that affect your car insurance premium, include the following:

• The age and model of your car
• Your car’s safety rating
• The security features you have installed
• The likelihood of your car being stolen
• Your credit history and job
• Your driving activity and driving history
• The length of your no-claims discount

How can I save on my car insurance premiums?

If you want to keep the cost of your car insurance down, choosing a car in insurance group 20 (or lower) is a great start.

Below are some ideas to keep costs even lower:

• Avoid any driving convictions. Driving convictions are treated as proof that you’re a careless driver and will send your premium rocketing.
• Be economical about your car usage. If you can reduce your annual mileage, you’ll be deemed as less of a risk of making a claim, and insurers will drop your premium. Take care not to under-report your annual mileage though as this could invalidate your insurance policy.
• Pay annually rather than monthly. Often, you’ll save money by paying annually. This is because some insurers charge interest on monthly instalments
• Install extra safety precautions. The safer you make your car, the less of a risk you’ll be perceived as by insurers. By investing in extra safety features, you’ll often reduce the cost of insuring your car every year. As such, these features can often end up paying for themselves!
• Shop around for the best deal. Don’t blindly accept your renewal quote. Use price comparison sites to find the best available deal and switch if you need to.

Frequently asked questions

• What is the lowest insurance group?

  Car insurance group 1 is the lowest. It 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?

  Yes, in theory. However, insurers will consider your personal circumstances when calculating your premium too.

• What do the letters mean in insurance groups?

  On any particular vehicle, you’ll find the insurance group listed as a number and letters. The letters refer to the security features fitted as standard on the vehicle.

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

  In the UK, there are a total of 50 car insurance groups. Group 1 is the lowest (with the cheapest cars to insure), while group 50 is the highest (with the most expensive vehicles to cover).

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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