What cars are in car insurance group 2?

The Association of British Insurers categorises all vehicles into one of 50 groups, ranking them according to factors such as performance and value. This categorisation influences car insurance policy pricing; more luxurious models in higher groups carry more expensive premiums than vehicles in lower groups. In this guide, we examine insurance group 2 and the car models included in it.

Which cars are in insurance group 2?

As the second cheapest group, car insurance group 2 contains very affordable cars. These are mostly small city cars, superminis and some family hatchbacks, including the following:

Toyota Yaris
Volkswagen Up
Nissan Pixo
Skoda Citigo
Smart Forfour
Citroën C1
Vauxhall ADAM
Hyundai i10

Factors determining which cars belong in insurance group 2

Factor	Description
Engine size	Group 2 cars have small 1.0 to 1.2-litre petrol engines. These keep insurance costs low compared to larger engines.
Repair costs	Cheap, readily available parts and basic construction mean group 2 cars cost little to repair, which reduces premiums.
Safety features	Most group 2 models offer only core safety equipment, such as airbags and an anti-lock braking system.
Performance	Group 2 cars are not high-performance models, keeping premiums affordable.
Threat of theft	Small city cars hold little appeal for thieves. However, the Toyota Yaris has been targeted in the past.
Driver profile	Insurers associate group 2 cars with younger drivers. Premiums tend to be lower for older motorists, so opting for a car in a lower insurance group will help to reduce costs for younger drivers.

Who are group 2 cars most suitable for?

Group 2 cars are best suited to:

Young drivers: their low cost makes them affordable first cars for new drivers
Low-mileage drivers: group 2 cars are ideal for urban use or short commutes. They also have excellent fuel efficiency
Learners: provisional licence holders can get affordable learner driver insurance on these cars while they take lessons and pass their test
City dwellers: the compact size and tight turning capabilities of these cars make parking and urban driving easy
Motorists on a budget: low prices match low running costs, and these vehicles are cheap to fuel and maintain while offering a low tax burden

Which car insurance group am I in?

You can find your car’s insurance group by entering its make, model and registration year into a free car insurance group checker.

Your insurer can confirm the exact group your car falls into as well. Knowing your insurance group helps when comparing premium quotes; cars in higher groups typically attract more expensive premiums.

It’s important to note that insurance groups are continually reassessed and can change over time based on the latest risk factors. You should always verify your car’s current group to get precise quotes when renewing your policy.

In summary, group 2 cars offer an ideal balance of affordability and practicality for drivers who want inexpensive insurance and low ownership costs.