What cars are in car insurance group 4?

Which insurance group a car belongs in plays a huge part in whether you can get a cheap car insurance quote. The Association of British Insurers assigns every vehicle to one of 50 groups, which determines the premium pricing for that model.

This guide focuses on group 4, one of the lowest and most affordable categories. Read on to find out what models are included in the group and who they might be best suited for.

List of cars in insurance group 4

Insurance group 4 includes the following models:

Citroen Berlingo Multispace
Volkswagen Polo Hatchback
Nissan Micra Hatchback (select models)
MG Motor UK MG3
Kia Picanto Hatchback
Citroen C1 (select models)
Toyota iQ
Vauxhall Corsa Hatchback

This group comprises basic but practical small cars and city runarounds. Their low specs and modest performance result in lower insurance costs.

Factors determining insurance group 4

Factor	Description
Engine size	Most group 4 cars have 1.0- to 1.2-litre petrol engines, which lowers their insurance costs compared to larger motors.
Repair costs	The more basic design and simple mechanics of these cars mean parts are relatively inexpensive.
Safety features	Cars in group 4 include basic safety equipment, such as airbags and immobilisers.
Performance	Group 4 cars have a very modest pace, which keeps their insurance costs down. They tend to go from zero to 60mph in more than 12 seconds.
Threat of theft	Small city cars are less appealing to thieves than expensive SUVs and executive cars.
Driver profile	Insurers consider group 4 cars suitable for new and young drivers due to their low values and cheap running costs.

Who are insurance group 4 cars most suitable for?

With insurance group 4’s low premiums, they can be affordable options for:

New drivers: group 4 offers an inexpensive first car to gain driving experience without paying astronomical new driver insurance costs
Younger motorists: group 4 cars provide basic features and reliable transportation without the high running expenses of more powerful cars
City dwellers: their compact size makes group 4 cars ideal for urban driving and parking

Which car insurance group am I in?

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

Your insurance provider can also verify your car’s specific insurance group. This will help you evaluate insurance quotes since vehicles in higher groups usually imply higher premiums.

It’s vital to note that insurance groups are regularly re-examined and subject to change over time. For example, the Vauxhall Corsa shifted from insurance group 3 to group 4 in 2022 based on an updated risk analysis. As such, you should always confirm your car’s present group when renewing your policy to get accurate quotes.

Group 4 vehicles combine practical features, reliable performance and an affordable price tag for drivers looking for a car with low insurance and running costs.