What is Car Insurance Group 2?
Car Insurance Group 2 is one of the 50 car insurance groups which insurance providers in the UK use to calculate car insurance premiums per car and per policyholder.
Every single car is categorised under a car insurance group based on factors such as how much the car is worth, how likely it is to be stolen or damaged, and its engine size. There are 50 groups altogether, and car insurance group 2 includes cars which are amongst the cheapest to insure. Depending on which insurance group your car features under will influence how much you’ll be charged for a policy by your insurer.
To find out more about car insurance groups, read our article: Car Insurance Groups [A Complete Guide]
Is Car Insurance Group 2 high or low?
Car Insurance Group 2 is one of the lowest insurance groups. Groups range from 1 to 50 with group 1 being the lowest and group 50 being the highest. Therefore, cars in insurance group 2 rank on the lower end of the scale and are amongst the cheapest to insure in the UK.
Which cars are in Car Insurance Group 2?
In the table below you can see some examples of cars and models which are categorised under Car Insurance Group 2.
List of cars in Car Insurance Group 2
| Make | Model | Type | Trim | From the year… |
|---|---|---|---|---|
| Smart | Forfour | Hatchback | 1.0 Passion 5d | 2015 |
| Seat | Ibiza | Hatchback | S 1.0 MPI 75PS 5d | 2017 |
| Citroen | C1 | Hatchback | 1.0i Rhythm 3d | 2005 |
| Vauxhall | Adam | Hatchback | 1.2i Energised 3d | 2012 |
| Volkswagen | Up | Hatchback | Take Up 1.0 60PS 3d | 2012 |
| Fiat | Panda | 4×4 | 1.2 5d | 2005 |
| Dacia | Logan | Mcv | Access SCe 75 5d | 2013 |
| Ford | Fiesta | Hatchback | Style 1.1 Ti-VCT 70PS 3d | 2017 |
| Citroen | C3 | Hatchback | 1.0i VTR+ 3d | 2002 |
| Kia | Rio | Hatchback | 1.1 CRDi 1 (01/15-) 5d | 2011 |
Can’t see your car in the table above? Find out which insurance group your car belongs to by using our free, online Car Insurance Group Checker!
Who are group 2 insurance cars most suitable for?
Cars in Insurance Group 2 are best suited for young, inexperienced or new drivers, or those that wish to pay cheaper car insurance premiums. Drivers with little experience typically face higher premiums, but insuring a car in a lower insurance group allows them to save some money on their car insurance.
Cars in this group are also very fuel efficient, affordable and ideal for drivers that take regular, short commutes.
FAQs about Car Insurance Groups
Is Car Insurance Group 2 the cheapest?
No, Car Insurance Group 2 is not the cheapest of all the car insurance groups. All cars that are categorised under Car Insurance Group 1 are the cheapest to insure, whilst cars placed under Car Insurance Group 50 are deemed to be the most expensive to insure.
How many Car Insurance Groups are there?
There are currently 5 car insurance groups altogether. All cars are placed under one of these groups by the Association of British Insurers (ABI), according to the Group Rating System created by Thatcham Research.
However, this has not always been the case, as before 2009, there were only 20 car insurance groups. The number of car insurance groups expanded to 50 in order to accommodate for the growing number of cars and models.
How can I save on my car insurance premium?
Here are some ways that could potentially make your car insurance cheaper:
Change the way you pay
Consider paying for your car insurance upfront rather than in monthly instalments. This way you could avoid the additional interest charges that come with monthly payments.
Only get the cover you really need
Avoid optional extras that don’t benefit you or wouldn’t protect you based on your personal circumstances.
Shop around and compare
We have access to a panel of insurers who can compare car insurance options and find the perfect value for you.
Try to drive less and with more care
Reducing the amount you drive could lower the price of your premium, because ultimately, the less time you spend on the road, the less likely you are to have an accident.
Increase your car’s security
Keeping your car more secure puts your property at less risk, meaning incidents are less likely to occur.
Each car insurance group (List 1-50)
Here’s a list of all the Car Insurance Groups.
Looking for car insurance? Visit the Howden website and find out more about the car insurance we can offer. Or, you can get in touch with us by giving us a call on 01993 894 700, or visiting us in your local Howden branch.