Cost of repair
The biggest single factor. Aluminium panels, complex driver assistance sensors and expensive headlight units all push a car up the scale, even when it is not fast.
Insurance Group Check
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Car Insurance Group Check
Every UK car sits in an insurance group from 1 to 50. The lower the number, the cheaper it is to insure. Enter a registration to see which group a vehicle falls into before you buy it.
Insurance ratingProvider-supplied rating where available
Cost contextUseful when comparing vehicles
Quote still neededYour insurer sets the premium
What insurance groups mean
Groups are set by the Association of British Insurers Group Rating Panel, using research from Thatcham. Insurers use them as a starting point for pricing.
- Groups 1 to 10: cheapest to insure. Small engines, low repair costs, popular with new drivers.
- Groups 11 to 25: mainstream family cars and hatchbacks.
- Groups 26 to 40: larger, faster or more expensive to repair.
- Groups 41 to 50: performance and premium models, the most expensive to cover.
A letter after the number refers to the security rating. E means the car exceeds the expected security standard for its group, which can work in your favour.
What decides the group
Parts availability and price
How much common parts cost and how quickly they can be sourced.
Performance
Top speed and acceleration, since faster cars have more and costlier claims.
New car value
A higher list price means a higher potential total loss payout.
Security
Alarms, immobilisers and locking systems. Better security can move a car down a group or two.
Why check it before you buy?
Insurance is often the second largest running cost after fuel, and it is the one people discover after they have committed. Checking the insurance group before buying helps you understand the potential cost of ownership and avoid unexpected expenses. A quick registration check lets you compare vehicles properly and make a more informed decision before committing to a purchase.
- Compare similar vehicles before buying
- Check the specific vehicle, not just the model average
- Understand potential insurance costs early
- Make a better buying decision with registration data
- Check repair costs and vehicle risk factors
- Review insurance groups from 1 to 50
- Consider security ratings and vehicle features
- Understand how performance affects insurance costs
- Compare running costs before committing
- Avoid unexpected insurance expenses after purchase
1
Two similar cars can differ sharply
The same model in a different trim or engine can sit several groups apart. Checking by registration gives you the specific car, not the model average.
2
It matters most for younger drivers
Under 25, the jump between group 8 and group 18 can be the difference between affordable and impossible. Check before you view, not after you fall for the car.
3
It feeds the whole running cost picture
Insurance group sits alongside road tax, emissions and fuel economy. Use the road tax check, the car emissions check and the car spec check together to see the real annual cost.
4
A modified or written-off car changes things
The group is a starting point, not a quote. Modifications, and a Cat S or Cat N marker from the write-off check, both push premiums up regardless of group.
5
Your insurance price depends on your personal details, so use the group as a comparison guide, not a final quote.
What the group does not tell you
Your actual premium depends on your age, licence history, postcode, annual mileage, no claims bonus and the excess you choose. Two people insuring the same group 15 car can pay very different amounts.
Treat the group as a comparison tool between vehicles, not a prediction of what you will pay. Always get a real quote on the registration before agreeing a price.
What to do with the result
- Compare groups when choosing between similar cars
- Request an insurance quote before paying a deposit
- Confirm modifications and trim level with the insurer
- Check that the registration returns the expected make and model
Factory options, imports, modifications or an unusual model variant can affect a quote even when the displayed group looks reasonable. Always give the insurer accurate details.
Where our data comes from
Insurance group ratings are set by the ABI Group Rating Panel using Thatcham research, and are returned alongside DVLA sourced vehicle data. REGUP is an independent vehicle checking service, is not an insurer or a broker, and does not sell insurance.
More on the about REGUP page.
What this free result includes
REGUP keeps this page focused on the check the customer searched for, with the number plate input first and the most relevant result surfaced before the wider report journey.
- Number plate lookup and basic vehicle identity where available.
- Insurance Group Check result shown first for this page.
- Tax, MOT or mileage context where it is available from supported sources.
- Clear route to unlock remaining paid checks without re-entering the registration.
What the paid report unlocks
Paid REGUP reports can combine the checks a buyer needs before making a decision, with selected checks shown clearly in the report, PDF and email.
- Finance, stolen, write-off, keeper, valuation and specification checks where selected or included.
- Selected checks summary, key findings and plain-English buyer advice.
- Downloadable PDF and email links after purchase where available.
- Upgrade options for partial or custom reports when admin offers are active.
Want to see the report before buying?Open a sample REGUP vehicle report with selected checks, risk summary and locked or unlocked examples.
View sample reportImportant report note REGUP vehicle reports are data checks from available DVLA, DVSA and provider sources. They are not legal, financial or mechanical advice. Source availability can vary by vehicle and customers should enter the registration carefully before checkout.
Insurance Group Check FAQs
Does the insurance group tell me my premium?
No. It is only one rating input. The driver, address, claims, mileage, cover and insurer pricing all affect the final premium.
Why does REGUP show Not available?
The specification provider may not return an insurance-group field for every vehicle. Missing data is not presented as a low or clear rating.
Can modifications affect insurance?
Yes. Tell the insurer about modifications, options and the exact model variant because they can change cover and price.
Should I get a quote before buying?
Yes. Obtain a quote using the exact registration and your own details before paying a deposit or collecting the vehicle.
What insurance group is my car?
Enter your registration above. The check returns the ABI insurance group from 1 to 50 recorded for that specific vehicle, including its trim and engine.
Is a lower insurance group always cheaper?
Generally yes, but the group is only one input. Your age, address, claims history and mileage often move the premium more than the group does.
What does the E mean after the group number?
It is a security rating. E means the vehicle exceeds the security standard expected for its group, which insurers may view favourably.
Can a car's insurance group change?
Yes. The ABI panel reviews ratings, and repair cost data can move a model between groups over time.
Do modifications change the group?
Not the published group, but they change your premium. Declare every modification, because an undeclared one can void a policy.
Check car insurance group
Enter any UK registration to see the group before you commit. Follow it with a free car check, a car valuation and a full vehicle history report if you are buying.