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Knowing which insurance group your vehicle falls into is important, as it greatly influences your chance of getting a cheap car insurance quote. The higher the insurance group, the more costly the insurance premiums will be for that make and model.
This article focuses on insurance group 12, a mid-range bracket comprising family cars, SUVs and more upscale vehicles that maintain relatively affordable insurance pricing.
Insurance group 12 contains mostly small and medium-sized hatchbacks and family cars, including the following models:
| Factor | Description |
|---|---|
| Engine size | Group 12 cars have small to medium-sized petrol engines, typically 1-2 litres. Larger engines increase insurance costs. |
| Performance | Group 12 contains family cars and hatchbacks that lack high horsepower and acceleration, keeping premiums affordable. |
| Repair costs | These models use common parts that are inexpensive to replace. Their simple construction also limits repair bills compared to more complex vehicles, which keeps the premiums down. |
| Safety features | Most group 12 cars offer standard safety equipment, such as airbags and an anti-lock braking system. |
| The threat of theft | Hatchbacks and family cars have broad appeal but aren’t usually targeted by thieves, so premiums for these cars are lower. |
| Driver profile | Insurers associate group 12 vehicles with new and young drivers. Premiums are lower for older motorists with experience. |
Group 12 cars are best suited for:
You can use a free online tool to find your car insurance group by entering its registration number, or your insurer can confirm your vehicle’s precise group. Knowing your group can help you compare premium quotes, as higher groups typically carry more expensive premiums.
Insurance groups are regularly reassessed and may change over time. Always verify your car’s current group when renewing your policy to obtain accurate quotes.
In summary, group 12 provides a good balance between affordability and performance. More premium brand models appear in this group, but insurance costs remain reasonable.
