What cars are in car insurance group 18?

Buying a new car is exciting. However, you’ll want to research the cost of car insurance first.

The Association of British Insurers sorts all vehicles into one of 50 insurance groups according to factors that impact premiums, such as engine size and vehicle value. Premium and more powerful models in the higher groups incur more expensive policies than vehicles in the lower groups, which can be eligible for cheap car insurance.

This guide provides an overview of insurance group 18, including models that fall into this group and what can be expected from insurance costs.

Which cars are in insurance group 18?

Car insurance group 18 includes lower mid-range models, such as hatchbacks and crossovers. Their average size and performance ensure relatively affordable insurance costs compared to more powerful, sportier vehicles.

Models in group 18 include the following:

Alfa Romeo MiTo (select models)
Citroen C4
Jeep Wrangler
Peugeot 308
Hyundai Santa Fe
Nissan Qashqai
Audi Q3 Quattro (select models)
Toyota Avensis

What factors determine which cars fall into insurance group 18?

Factor	Description
Engine size	Group 18 cars have modest 1.6 to 2.0-litre petrol or diesel engines. They are more powerful than small hatchbacks but less costly to repair than high-performance models.
Repair costs	Mainstream brands in group 16 have common spare parts that are reasonably priced to replace, which subsequently lowers insurance premiums.
Safety	Group 18 cars include core safety features, such as airbags, as standard.
Performance	Group 18 vehicles offer decent mid-range performance, although they lack the power of premium-brand sports cars.
Theft appeal	Overall, hatchbacks and crossovers in this group have a moderate risk of theft. However, the Nissan Qashqai has been a common target.
Driver profile	Insurers see group 18 drivers as low risk. Premiums fall further for older and more experienced motorists.

Who are group 18 cars most suitable for?

Group 18 cars are best suited for:

Experienced drivers: insurers consider these models a lower risk for motorists who are eligible for a no-claims bonus
Families: decent interior space and standard safety features mean these cars are suitable for families
Commuters: strong fuel economy makes group 18 models ideal for regular trips
Feature-focused budget buyers: group 18 is a good balance between reasonable running costs and enhanced features compared to smaller hatchbacks

Which car insurance group am I in?

You can determine your vehicle’s insurance group by entering the make, model and year into a free online car insurance group checker.

Your insurance provider can also confirm the specific group your car falls into. Knowing your car’s group assists in evaluating premium quotes, since cars in higher groups come with more expensive insurance.

It’s important to note that insurance groups are regularly reviewed and can change over time. You should always verify your vehicle’s current group when renewing your policy to get accurate quotes.

In summary, group 18 offers a good balance between value and practicality for buyers wanting decent specs and mid-range running costs.