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A car’s insurance group significantly impacts the cost of cover. The Association of British Insurers assigns every vehicle to one of 50 groups, with higher numbers indicating more expensive premiums for that model. Our guide focuses on group 10, a mid-range category that includes family cars, SUVs and more premium-brand vehicles that incur reasonable insurance costs.
Vehicles in this group tend to have larger engines and more power but remain relatively affordable to insure. Popular cars in group 10 include the following:
Factor | Description |
---|---|
Engine size | Group 10 cars may have engines up to around 1.5 litres. Larger engines increase insurance costs. |
Repair costs | Parts for premium brands such as BMW and Mercedes are more expensive, increasing premiums. |
Safety features | Group 10 models have more advanced safety tech, such as lane assist and auto braking. This can raise premiums slightly. |
Performance | More powerful engines mean greater speed and acceleration. Insurers see this as a higher risk. |
Threat of theft | Popular SUVs, such as the Nissan Juke, have higher theft rates and increased premiums. |
Driver profile | Insurers link group 10 cars to drivers in their late 20s to 40s. Premiums are lower for older motorists. |
Group 10 cars are recommended for: