What cars are in car insurance group 15?

When purchasing a new car, it’s important to research which insurance group it falls into, as this determines whether or not you can access cheap car insurance.

The Association of British Insurers assigns every vehicle a rating from 1-50 based on factors such as its value and performance. Cars in higher groups have steeper premiums, so understanding which group your car falls into can help you stay within budget.

This guide explains which models fall into group 15, who they might be best suited for and what to expect in terms of insurance costs.

What cars are in insurance group 15?

Car insurance group 15 hosts mid-range family and executive cars, including the following models:

Audi A1
Volkswagen Golf (select models)
Mercedes-Benz A Class (select models)
Citroen C4 (select models)
Alfa Romeo Giulietta (select models)
Audi Q2 SUV
Peugeot 208 (select models)

This group comprises smartly equipped cars, comfortable cruisers and practical family vehicles. Their impressive specs increase their value, repair costs and insurance premiums.

Modern safety features such as airbags, parking sensors and auto emergency braking are standard in these models. Many cars in this group have premium specs and options, plus potent petrol, diesel or hybrid engines. While they are not the most prestigious vehicles, group 15 cars still carry high price tags.

What determines which cars fall into insurance group 15?

Factor	Description
Engine size	Group 15 cars typically have 1.5 to 2.0-litre petrol or diesel engines. Larger engines increase insurance costs.
Repair costs	Spare parts for these cars are more expensive than parts for cars in lower groups, given the specifications. Complex repairs also increase premiums.
Safety features	Safety features such as airbags, anti-lock braking systems, parking sensors, auto emergency braking and immobilisers are standard in these cars.
Performance	These cars can go from zero to 60mph in around 6-8 seconds and have top speeds of over 130mph. This performance increases insurance costs compared to cars in lower groups.
Threat of theft	Executive cars are more likely than everyday vehicles to be targeted by thieves but not as likely as luxury SUVs and sports cars.
Driver profile	Insurers see group 15 cars as suitable for families and older drivers, which contributes to lower insurance costs, as premiums are higher for young or inexperienced motorists.

Who is insurance group 15 suitable for?

While insurance group 15 cars cost more to cover, their premiums can be affordable for:

Older drivers: more experience means lower premiums, and many older drivers seek luxury and comfort
Company car drivers: businesses can better absorb higher insurance costs, and group 15 vehicles make good executive cars
Couples: those starting families need space and good safety features, which would make higher insurance premiums worth the extra cost
Households with multiple cars: they may have another main vehicle that costs less to insure, which leaves room in the budget to insure an additional, more expensive car
Downsizers: drivers moving down from expensive groups but wanting similar features may consider these cars
Confident drivers with clean licences: more claim-free years mean cheaper premiums

Group 15 provides a good blend of luxury, comfort and performance for those who can afford the higher insurance costs. Family- and executive-focused cars offer premium specs with added safety features for peace of mind.

Which car insurance group am I in?

You can find your car’s insurance group by entering your vehicle’s registration in a free car insurance group checker.

Your insurer will also be able to provide your exact insurance group rating. Knowing your group helps you compare premium quotes: all else being equal, lower insurance groups mean lower premiums.

One thing to note is that cars are continually reassessed and their groups can change over time. Make sure to check your group when renewing your insurance to get accurate quotes.

Overall, group 15 provides affordable insurance costs for family and executive vehicles. While not the most thrilling cars to drive, their premiums are reasonable for their specifications. If you want impressive features without the steep insurance costs of higher groups, group 15 is the sweet spot.