What cars are in car insurance group 5?

A vehicle’s insurance group greatly influences whether you can get cheap car insurance. The Association of British Insurers categorises every car into one of 50 groups, which translates into the premium rates for that model.

This guide examines insurance group 5, one of the most budget-friendly categories, and outlines the models belonging to it.

Which cars are in insurance group 5?

Car insurance group 5 mainly comprises family- and budget-friendly models, including the following:

Volkswagen Polo
Smart Fortwo Cabriolet
Toyota Aygo
Nissan Micra
Citroen C3
Ford Fiesta
Hyundai i10
Peugeot 207

What differentiates cars in insurance group 5?

Factor	Description
Engine size	Group 5 cars typically have small 1.0 to 1.2-litre petrol engines, which helps lower their insurance costs, as more powerful units come with higher premiums.
Repair costs	The basic design of these cars keeps the cost of spare parts low, and their simple mechanics reduce potential garage bills.
Safety features	Basic safety features, such as airbags and immobilisers, are common in group 5 cars.
Performance	Group 5 cars have very modest performance, going from 0-60mph in 10-13 seconds.
Theft risk	Inexpensive superminis and city cars are less appealing to thieves than luxury models, which reduces the risk of theft.
Driver profile	Insurers see group 5 cars as suitable for new, young and budget-conscious motorists due to their low running costs.

Who are insurance group 5 cars most suitable for?

Group 5 cars are some of the cheapest to insure, and premiums can be affordable for:

New drivers: group 5 vehicles make ideal first cars, with insurance costs that new motorists can better afford
Young drivers: their low running costs deliver reliable performance without pricey bells and whistles
Low-mileage drivers: occasional drivers will appreciate group 5’s low insurance rates and running costs
City dwellers: nimble superminis and city cars are a practical choice for areas where parking space is limited

Which car insurance group am I in?

You can look up your vehicle’s insurance group by entering its make, model and registration year into a free online insurance group checker tool.

Your insurer can also confirm your car’s specific insurance group, which is vital for assessing premium quotes. Vehicles in higher groups tend to incur more expensive insurance rates.

It’s important to note that insurance groups are regularly re-evaluated and can change over time based on updated risk analysis. Consequently, you should always double-check your car’s present group when renewing your policy to get the right prices quoted.

In summary, group 5 vehicles provide some of the most budget-friendly insurance premiums for drivers wanting basic, low-cost transportation. The trade-off is that these tend to be older, smaller cars with more limited features than vehicles in higher groups, but for a cheap run-around, group 5 models fit the bill.