Car insurance group 28

What is insurance group 28?

When it comes to insurance, 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 premiums.

With insurance groups ranging from 1-50, vehicles in group 28 typically cost slightly above average to insure. The cars that fall in this group usually score OK in factors used to determine the group ratings, such as having good security features, car safety ratings and possessing less powerful engines.

However, insurers take into account other factors, such as your age, location and driving history, so it’s always important to compare policies to find one that works for you.

Car makes and models in insurance group 28

There are plenty of popular cars in insurance group 28. These are among the vehicles that cost slightly more than average to insure.

Cars in insurance group 28 and the average cost by driver’s age

Using the table below, you can look for your car’s make and model and work out how much your car insurance is likely to cost 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 28 categories

• 28E: Surpasses the security requirements for this type of car, leading to a lower insurance group rating.
• 28A: Meets the standard security requirements for this type of car.
• 28D: Falls short of security requirements for this type of car, resulting in a higher insurance group rating.
• 28U: Security standard is unacceptable. The insurer might require upgraded aftermarket security before providing coverage.
• 28P: Provisional status. Insufficient data is available at launch for classification. This will likely be updated once Thatcham can evaluate the new car.
• 28G: Grey import. Thatcham tests only officially sold UK cars, so imports are evaluated based on the insurer’s pricing.

Average insurance group 28e cost

To provide you with an idea of how much it may cost you to insure your insurance group 28 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 £70.46, or an annual sum of £736.

• 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 28 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 28 expensive to insure?

Cars in insurance group 28 usually rate as slightly above average for the following features.

• Market value
• Cost of sourcing parts
• Size of engine
• Repair time

In some cases, they may be lacking when it comes to security and safety features too.

What other factors affect your car insurance premium?

Along with your car’s insurance group, here are three more factors that have a significant impact on the cost of your insurance:

• Engine type and capacity. The bigger your engine, the more you’re likely to pay for insurance. That’s because it will cost more to repair or replace.
• Driver location. Your location plays a role in the likelihood of your car being stolen or damaged. Insurers use previous claims data to calculate this and adjust your premium accordingly. As an example, a 30-year-old in central London will pay £1,402 for insurance for a BMW x1 xDrive20i SE 5d, while the same 30-year-old in Newcastle may only pay £743.
• Driver age. Statistically, your age plays a huge role in your likelihood of making a claim, with the youngest drivers being the most likely. That’s why younger drivers pay higher premiums. The average 20-year-old driver in London could pay £5,754 for the Jaguar XF 2.0d (180bhp) Prestige 4d Auto, while the average 40-year-old Londoner will only pay £1,199.

On top of these, there are plenty of other factors that can also impact the price of your premiums.

These include the following:

• Your marital status
• Your credit history and job
• Your car’s safety rating, security and anti-theft precautions
• The model and age of your car
• The likelihood of your model being stolen
• Your driving activity
• Your driving history
• Your no-claims discount

How can I save on my car insurance premiums?

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

But there are other things you can do to lower the cost of your car insurance:

• Drive safely. It may sound obvious but having driving convictions on your record will make your premium skyrocket. Criminal convictions can affect your premium too.
• Reduce your annual mileage. Motorists who use their car less often are perceived as less of a risk to insurers and may receive a lower premium. So, consider where you could opt to take public transport or walk to keep your mileage, and premium, lower.
• Pay annually. By paying annually, you may end up with a cheaper deal as you won’t have to pay interest on monthly instalments.
• Install extra safety precautions. The safer you make your car, the less of a risk you’re perceived to be, the lower your premium will drop.
• Shop around. When it’s time for renewal, make sure you compare your options. You’ll be surprised by how much you can save by switching to a different insurer.

Frequently asked questions

• What is the lowest insurance group?

  Car insurance groups range from 1-50 with 1 being the lowest and having the cheapest cars to insure.

• Does a lower insurance group mean cheaper car insurance?

  In theory, yes. The lower your car insurance group number, the less you should have to pay for your car insurance. However, there are other factors that play a role including your age, your address, your driving history and other personal circumstances.

• Are cars in insurance group 28 good for younger drivers?

  If you’re a younger driver looking to lower the cost of your car insurance, you may want to consider buying a car in a lower insurance group.

• 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?

  In the UK, there are 50 car insurance groups 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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