What cars are in car insurance group 3?

All vehicles driven in the UK are categorised into one of 50 insurance groups, which plays a big role in determining the cost of cover. Affordable, lower-risk cars are in lower-numbered groups with less expensive insurance rates, while high-powered and luxury models fall into higher-numbered groups with pricier rates.

Insurance group 3 contains reasonably priced hatchbacks and other small cars that balance practicality and affordability. Driving one may help you secure a cheap car insurance quote.

What are some examples of group 3 vehicles?

Affordable small cars such as superminis and city runarounds are in car insurance group 3. The following models are included in this group:

Peugeot 107
Volkswagen Fox
Renault Twingo
Skoda Fabia Hatchback
Kia Rio (select models)
SEAT Ibiza
Ford Ka
Toyota Aygo

Group 3 consists of small hatchbacks from well-known brands. Their compact size and unremarkable specs ensure their owners’ access to relatively affordable insurance.

What factors determine which cars belong in insurance group 3?

Factor	Description
Engine size	Group 3 cars typically have small 1.0-1.4-litre petrol engines, which tend to cost less to repair.
Repair costs	These cars’ basic construction and common parts keep premiums low.
Safety	Core safety features such as airbags come as standard in these cars.
Performance	Group 3 cars are not high-performance cars, unlike premium models in higher-numbered insurance groups.
Theft appeal	Small hatchbacks tend to attract minimal attention from thieves.
Driver profile	Insurers often associate group 3 cars with young drivers, whose premiums tend to be higher than those for fully fledged adults. To reduce costs, younger drivers may want to consider cars in lower insurance groups.

Who are insurance group 3 cars most suitable for?

Group 3 cars are best suited for:

Young drivers: affordable premiums are one of the factors that make these vehicles popular first cars for young drivers
Low-mileage drivers: these fuel-efficient cars are ideal for urban use or short daily commutes
Learners: provisional licence holders can reduce the price of their learner driver insurance for lessons and tests by driving cars in low-numbered insurance groups instead of high-numbered ones
City residents: group 3 cars’ compact designs can help simplify parking in urban areas
Motorists on a budget: these cars are relatively cheap to run and maintain, and their insurance is typically less expensive than it is for cars in high-numbered insurance groups

Which car insurance group am I in?

You can determine your vehicle’s insurance group by inputting the car’s registration number or its make and model into a free online car insurance group checker tool, or your insurance provider can verify the specific group under which your car is categorised. Knowing the group number will help you evaluate quotes, as vehicles in higher insurance groups usually carry pricier premiums.

Insurance groups are regularly re-examined and subject to change over time based on updated risk analysis. When renewing your policy, you should always confirm your car’s present group number to obtain accurate quotes.

In summary, group 3 vehicles present an optimal mix of affordability and practicality for motorists seeking low insurance costs and expenses.