Why Insurance Group Ratings Matter When Shopping for a New Car

When shopping for a new car, it’s important to understand insurance group ratings, as they can affect the cost of your car insurance.

Insurance group ratings range from 1 to 50, with group 1 being the cheapest and group 50 being the most expensive.

Knowing which group your car is in can help you make an informed decision when buying a new car, as the cost of your insurance can vary significantly from one group to another.

In this blog post, we’ll explain why insurance group ratings matter when shopping for a new car.

What are insurance groups?

Insurance groups are a way to categorize cars according to their riskiness for insurers.

Cars in lower groups, from 1-50, tend to be cheaper to insure because they’re considered less risky than cars in higher groups, 51-20.

This is because cars in lower insurance groups generally have lower repair costs, smaller engines, and fewer claims.

Insurance companies take into account factors such as the cost of parts, the size and power of the engine, the type of car, its security features, and its repair costs when determining which group a car falls into.

It’s important to note that some cars can vary between different insurance groups depending on the trim level.

For example, a more powerful version of a car might be placed in a higher group than its less powerful counterpart.

Cars in lower insurance groups will generally have lower premiums, making them more affordable for drivers.

It’s important to know what insurance group your car is in before you buy it so you can get an accurate estimate of your insurance premium.

How do insurance groups affect your premium?

Insurance groups are assigned to cars based on a variety of factors, such as the cost of repair, the car’s power and performance, and the cost of replacement parts.

Generally speaking, cars in higher insurance groups attract higher premiums due to their greater risk of insurance.

The higher the insurance group, the higher your premium will likely be.

This is because more expensive cars with more powerful engines are more likely to be involved in an accident, as they can go faster and can be more difficult to control.

In addition, the cost of replacement parts for high-end cars can be more expensive.

It is important to remember that insurance group ratings are only one factor that affects your premium.

Your insurer will also take into account the driver’s age and experience, the area where the car is kept, the car’s security features, and the car’s make and model when determining the premium.

Additionally, if you are deemed to have a higher risk profile as a driver (such as having multiple convictions or being a young driver), this may also affect your premium.

To get the best deal on your car insurance, it is important to shop around and compare different providers.

Make sure you take into account not only the cost of your premium but also the level of coverage provided.

That way you can find a policy that offers good value for money.

What are the benefits of having a car in a lower insurance group?

When shopping for car insurance, one of the factors that will affect the cost of your policy is the insurance group rating.

Each car model is assigned a rating from 1 to 50, with 1 being the lowest and 50 being the highest.

Generally, cars in lower insurance groups tend to cost less to insure, while cars in higher groups cost more.

Having a car in a lower insurance group can offer many benefits when it comes to your car insurance premium.

In general, cars in lower groups are typically cheaper to repair or replace than those in higher groups, and therefore cost less to insure.

Additionally, vehicles in lower insurance groups tend to be newer models, which may have better safety features, leading to lower premiums.

Other factors influence the cost of your car insurance beyond the insurance group rating, such as the make and model of the car, its age, where you live, and your driving record.

However, knowing which cars are in which insurance groups can help you narrow down your choices when shopping for a new vehicle and ensure you get the best deal on your policy.

How can you find out which cars are in which insurance group?

If you’re shopping for a new car and want to find out what insurance group rating it belongs to, there are several ways to go about it.

First, check the vehicle manufacturer’s website.Many will provide an insurance group rating for each of their models.

This information may be included in the vehicle specification section or listed separately.

Second, try searching for a car review website. Many of these sites include information on the insurance group rating of each vehicle they review.

Third, if you’re buying a used car, contact the previous owner and ask them what insurance group it was in.

Fourth, you can contact your car insurance provider and ask them what insurance group the model is in. They should be able to provide this information for you.

Finally, if you’re not sure which model you’re considering, you can also check out some online comparison websites that list car insurance group ratings alongside car specifications.

This is an easy way to compare cars and get an idea of which ones will have cheaper premiums.

Should you only consider cars in low insurance groups?

It is true that the lower the insurance group rating of your car, the less expensive your car insurance will be.

However, this does not necessarily mean that you should only consider cars in low insurance groups.

Depending on your lifestyle and driving habits, a car in a higher insurance group may still be worth considering.

If you are a frequent driver or tend to drive long distances, a car in a higher insurance group may be a better choice.

This is because higher insurance group cars often have more advanced safety features which can help protect you in the event of an accident.

These cars also often come with other safety features such as anti-lock brakes, airbags, and traction control.

When shopping for a new car, it is important to look at both the insurance group rating and other features of the car.

Some features, like certain safety features, can help you save money in the long run even if the car is in a higher insurance group.

Ultimately, you should consider the insurance group rating when making your decision, but it should not be the only factor taken into consideration.


When it comes to finding the right car for you, insurance group ratings can be an important factor.

Insurance group ratings can influence how much you pay in premiums and the level of coverage available.

Knowing which cars are in which group can help you make an informed decision when shopping for a new car.

Although having a car in a lower insurance group can be beneficial, it is not always the best choice, as there are other factors to consider such as safety features and gas mileage.

Do your research and find the car that fits your needs and budget.

%d bloggers like this: