What Insurance Group is My Car?
A Simple Guide from Summit Garage
When it comes to buying a car – whether it’s new or used – one question we hear often at Summit Garage is “What insurance group is my car in?”
It’s a great question, and one that could save you money in the long run. Car insurance groups play a big role in how much you’ll pay for cover, so it’s important to understand how they work before you hit the road.
What Are Insurance Groups?
In the UK, every car is placed into an insurance group, ranging from group 1 to group 50. Group 1 cars are the cheapest to insure, while group 50 cars are the most expensive.
These groups are set by the Group Rating Panel, which includes members from the Association of British Insurers and Lloyds Market Association. They look at things like:
- The car’s value when new
- Performance (acceleration, top speed)
- Repair costs and times
- Safety and security features
- Cost of parts
- Likelihood of being stolen
How Do I Find Out My Car’s Insurance Group?
There are a few easy ways:
- Check Online – Use a free insurance group checker like Money Supermarket or other car insurance sites.
- Ask Your Dealer – At Summit Garage, we’re always happy to let you know the group rating of any car you’re interested in.
- Look at Your Insurance Policy – If you already own the car, your current provider may mention it in your documents.
Example: MG Models and Their Groups
As a proud dealer of MG vehicles, we can give you an idea of how some of the popular models compare:
- MG3 – One of the UK’s most affordable cars to insure, typically falling in insurance groups 4 to 8. A great choice for first-time drivers or anyone looking to cut running costs.
- MG ZS & ZS EV – These popular SUVs tend to sit in the 10 to 18 range, depending on the trim and whether it’s petrol or electric.
- MG HS Plug-in Hybrid – A little higher due to performance and technology, often found in group 21 to 24.
- MG4 EV – One of MG’s newest all-electric models, usually placed between group 27 and 32, depending on the battery size and spec.
As always, the exact variant makes a difference – even the wheels or added tech can nudge the rating up or down.
Why Insurance Groups Matter
If you’re deciding between two cars, knowing the insurance group can help you make a cost-effective choice. A car in group 8 might cost hundreds less per year to insure than a similar car in group 25.
It’s especially important for new drivers, those with previous claims, or anyone watching their monthly outgoings.
Summit Garage Can Help
At Summit Garage, we don’t just sell cars – we help you choose the right one. If you’re considering a new MG or one of our quality used vehicles, we can walk you through the insurance group, running costs, and any other questions you’ve got.
Drop by for a test drive or give us a call – we’re here to help you find a car that suits your life and your budget.