# What is a car insurance group rating?

> Quick answer · Last updated 4 July 2026

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## In short

A 1–50 scale indicating repair costs, performance and security — group 1 is cheapest to insure, group 50 most expensive. Check a car's group before buying if insurance cost matters.

Thatcham Research administers the grouping system used by UK insurers.

Electric cars may sit in higher groups due to battery repair costs — compare quotes for the exact model.

See car insurance groups guide.

## Related

- [Car insurance groups](https://moneyguide.org.uk/cars-motoring/car-insurance-groups/)
- [Car insurance explained](https://moneyguide.org.uk/cars-motoring/car-insurance-explained/)

## Primary source

gov.uk/vehicle-insurance

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Independent UK money guidance from [Money Guide](https://moneyguide.org.uk). Information only — not regulated financial advice.