Car insurance group 27

What is insurance group 27?

All vehicles are assigned an insurance group from 1 (cheapest) to 50 (most expensive), and this helps work out the cost of your car insurance premium.

Vehicles in group 27 are likely to cost slightly above average to insure. The cars that fall in this group usually score fine in factors used to determine the group ratings, such as car safety, security features and engine size.

In this guide, we’ll explore these features in greater detail. We’ll also take a look at the personal factors that determine your car insurance premium, including your age, location and driving history, among others.

Car makes and models in insurance group 27

Here are some of the more popular cars in insurance group 27. These are all likely to cost slightly above average to insure.

Cars in insurance group 27 and the average cost by driver’s age

The table below will help you estimate the cost of your car insurance, based on your choice of vehicle and 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 27 categories

• 27E: Surpasses the security requirements for this type of car, leading to a lower insurance group rating.
• 27A: Meets the standard security requirements for this type of car.
• 27D: Falls short of security requirements for this type of car, resulting in a higher insurance group rating.
• 27U: Security standard is unacceptable. The insurer might require upgraded aftermarket security before providing coverage.
• 27P: Provisional status. Insufficient data is available at launch for classification. This will likely be updated once Thatcham can evaluate the new car.
• 27G: Grey import. Thatcham tests only officially sold UK cars, so imports are evaluated based on the insurer’s pricing.

Average insurance group 27e cost

To provide you with an idea of how much it may cost you to insure your insurance group 27 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 £80.22, or an annual sum of £822.

• 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 27 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 27 more expensive to insure?

Cars in insurance group 27 are usually more expensive to insure because they rank as slightly below average for the following factors:

• Security features
• Safety features
• Cost of sourcing parts
• Cost of making repairs
• Engine size

What other factors affect your car insurance premium?

Along with your car’s insurance group, these three factors have the biggest impact on the cost of your insurance:

• Engine type and capacity. The bigger your engine, the more it will cost to repair or replace, so your insurer will cover its back by raising your premium. A smaller engine is perceived as less of a risk to insurers and this is usually reflected with a lower premium.
• Driver location. Insurers consider the likelihood of your car being stolen or damaged based on your location, and will adjust your premium accordingly. As an example, a 30-year-old in central London will pay £2,202 for insurance for a Audi A3 1.8 TFSI Quattro Sport 3d S Tronic, while the same 30-year-old in Newcastle may only pay £831.
• Driver age. Insurers will calculate the likelihood of you making a claim based on your age. They use previous claims data to do this, and this is why younger drivers face higher premiums. The average 20-year-old driver in London could pay £5,020 for the Ford C-Max 2.0 TDCi Titanium X (05/15-) 5d, while the average 40-year-old Londoner will only pay £1,909.

Among the other factors that affect your car insurance premium are:

• Your driving history, including your no-claim discount
• Your car’s safety rating, security and anti-theft precautions
• The age and model of your car
• Your marital status
• Your credit history and job

How to save on your car insurance premiums

Choosing a car with a low insurance group is a great way to reduce the price of your premium.

We’ve listed some more ideas to keep costs down below:

• Drive safely. Having driving convictions on your record will make your premium skyrocket.
• Use your car less. Insurers will ask you to estimate your annual mileage before offering you a quote. The lower your mileage, the less of a risk you are perceived to be, so consider if it’s possible to use your car less. Don’t underestimate your annual mileage though, as driving more than this could invalidate your insurance.
• Pay annually. If you pay annually, there’s no chance of you being charged interest on monthly instalments.
• Install extra safety precautions. By investing in extra safety features, your vehicle will be more secure and less of a risk to insure. Insurers will often drop your premium to reflect this lower risk.
• Shop around. When it’s time for renewal, make sure to shop around using price comparison websites. It’ll nearly always save you money if you switch insurers, compared to renewing your policy with the same company.

Frequently asked questions

• What is the lowest insurance group?

  Car insurance group 1 is the lowest and features 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, personal factors such as your age, your address and your driving history can influence the cost of your car insurance too.

• Are cars in insurance group 27 good for younger drivers?

  If younger drivers are looking to lower the cost of their insurance, they’d be better off searching for a car in a lower car insurance group.

• What do the letters mean in insurance groups?

  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, with 1 being the lowest (cheapest) and 50 being the highest (most expensive).

• Who decides on the car insurance groups?

  In the UK, The Group Rating Panel, administered by Thatcham Research, assigns new car models to an insurance group from 1 to 50.

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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