How to Find the Cheapest Cars Based on Insurance Group Numbers

Finding an affordable car isn’t just about the sticker price—it’s also about long-term costs, especially insurance. With rising inflation and economic uncertainty, savvy buyers are looking for ways to cut expenses without sacrificing quality. One often-overlooked strategy is choosing a car with a low insurance group number. These numbers, assigned by insurance providers, directly impact your premiums. Here’s how to use them to your advantage.

Understanding Insurance Group Numbers

Insurance groups range from 1 (cheapest to insure) to 50 (most expensive). These classifications are based on factors like:

• Repair costs: Cars with expensive parts or complex designs rank higher.
• Safety features: Vehicles with advanced safety tech often fall into lower groups.
• Performance: High-powered engines typically mean higher premiums.
• Theft rates: Models frequently targeted by thieves land in higher groups.

By targeting cars in groups 1-10, you can significantly reduce your insurance costs.

Top Cheapest Cars by Insurance Group

1. Volkswagen Up! (Group 1)

This compact city car is a budget-friendly favorite. Its low repair costs, small engine size, and solid safety ratings make it a top pick for cost-conscious drivers.

2. Hyundai i10 (Group 2)

Reliable, efficient, and cheap to insure, the i10 is perfect for urban commuting. Hyundai’s long warranty adds extra peace of mind.

3. Ford Fiesta (Group 3-5, depending on trim)

A popular hatchback with a range of engine options. Opt for the basic trim to keep insurance costs down.

4. Toyota Aygo (Group 1-3)

Toyota’s reputation for reliability shines here. The Aygo’s tiny engine and low theft risk keep premiums minimal.

How to Research Insurance Groups

Use Online Tools

Websites like the Insurance Group Rating Panel (UK) or IIHS (U.S.) provide databases where you can check a car’s group before buying.

Compare Quotes Early

Even within the same group, premiums vary by provider. Get multiple quotes before committing.

Consider Modifications

Adding aftermarket parts can bump a car into a higher group. Stick to factory specs for the best rates.

Why This Matters in Today’s Economy

With fuel prices fluctuating and living costs soaring, every dollar saved counts. A car in a low insurance group can save you hundreds per year—money that could go toward rising rent, groceries, or even an emergency fund.

Plus, as electric vehicles (EVs) become more common, their insurance groups are evolving. Some EVs, like the Nissan Leaf, fall into surprisingly low groups due to their safety features and lower maintenance needs.

Final Tips for Smart Buyers

• Prioritize safety: Cars with high Euro NCAP ratings often have lower premiums.
• Avoid high-performance models: A sporty exhaust might be fun, but it’ll cost you at renewal time.
• Check used cars: Older models in good condition can still fall into low insurance groups.

By focusing on insurance group numbers, you’re not just buying a car—you’re investing in long-term savings. In a world where every penny matters, that’s a win.