What cars are in car insurance group 20?

Vehicles in the UK are categorised under one of 50 car insurance groups, which helps determine how much coverage will cost. More affordable, lower-risk cars are in lower-numbered groups with less expensive insurance rates, while high-performance and luxury models are in higher-numbered groups with pricier premiums.

Insurance group 20 consists mostly of family cars and executive saloons that balance practicality and performance.

What are some examples of group 20 vehicles?

These are some of the models that fall into insurance group 20:

Vauxhall Corsa (premium models)
Volkswagen Tiguan (select models)
Land Rover Freelander
BMW 2 Series
Audi A4
Citroen C5
Ford Kuga
Nissan Leaf (pre-2018 models)

Cars in this group have premium features but are more affordable than luxury vehicles. Though group 20 cars are more expensive to buy and insure than smaller city cars, the former are appealing options for buyers who want more space or better performance than basic small hatchbacks can give them.

What factors determine which cars belong in insurance group 20?

Factor	Description
Engine size	Many of these cars have 2.0-2.2-litre petrol or diesel engines, though some models’ engines are a bit smaller than that. Premiums for vehicles with engines this size are higher than premiums for cars with smaller engines.
Repair costs	Replacement parts are reasonably priced for group 20 models made by mainstream manufacturers such as Ford. Components are more expensive for group 20 luxury cars such as BMW and Audi, which increases their repair costs.
Safety	Group 20 cars come equipped with standard safety features that vary depending on the vehicle model. These features may include front, side and curtain airbags, anti-lock braking systems, front and rear parking sensors, lane departure warning systems and alarm systems with engine immobilisers. These advanced safety technologies can help lower insurance premiums by reducing the risk of accidents and injuries.
Performance	These cars are relatively high-performance vehicles. They can go 0-60 mph in about eight seconds and have top speeds of 130-140 mph. So their insurance costs are higher than those for cars in lower-numbered groups.
Theft appeal	Two family cars, the Ford Fiesta and the Ford Focus, were the UK’s most frequently stolen cars in 2023. Luxury SUVs were also popular targets for thieves.
Driver profile	Group 20 cars are suitable for families, business motorists and executive motorists. Young drivers tend to avoid these vehicles because the insurance premiums for them are higher than the premiums for cars in lower-numbered groups.

Who are insurance group 20 cars most suitable for?

Group 20 cars are most attractive to these types of motorists:

Families: many models are practical vehicles with plenty of passenger space for children and lots of cargo space for luggage
Business motorists: some group 20 vehicles, including the Audi A4, are saloon cars with stylish designs and high specs, which makes them popular company cars
High-mileage drivers: diesel-engine cars in this group offer excellent fuel economy for high-mileage drivers
Motorway drivers: comfortable cruising and lower noise levels make these vehicles ideal for use on motorways
Used car buyers: purchasers who want good value for money could look to group 20 cars that are one to three years old. These vehicles offer most of the amenities that brand new cars do at a lower price
Drivers seeking a bit of luxury: group 20 cars offer more comfortable rides and more upscale passenger compartments than basic cars do

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 insurance group checker tool. Or your insurance provider can verify the specific group under which your car is categorised. Knowing the group number is important when you’re trying to get accurate premium quotes.

It’s vital to note that car insurance groups are regularly re-examined by a panel partly made up of members of the Association of British Insurers and that these groups are subject to change over time. When you’re renewing your policy, always confirm your car’s current group number to obtain accurate quotes.

In summary, group 20 vehicles make excellent business or family cars thanks to their premium specs, high performance and practical technology and safety features. And insurance costs are lower for these cars than they are for vehicles in higher-numbered groups.