Is 32 a high insurance group?

Editorial team Published on

Yes, insurance group 32 is moderately high, sitting well above the middle of the 1-to-50 UK rating scale.

📊 Understanding Group 32

  • Scale Position: Ranges from 1 (cheapest) to 50 (most expensive).
  • Risk Level: Considered above average for performance, value, and repair costs.
  • Common Vehicles: Includes mid-tier luxury or sporty models like the Audi Q3, Jaguar F-Pace, and Mazda MX-5.

💡 Cost and Factors

  • Average Cost: Roughly £900 annually, though this changes heavily based on your age and address.
  • Why It Is Higher: Driven by larger engines, expensive parts, and higher accident risks.
  • Other Variables: Personal factors like your age, driving history, and location still heavily shape your final quote.

What insurance group is considered high?

A high insurance group refers to a vehicle classification in the upper tier (typically groups 36 to 50) of the UK’s Group Rating System, meaning the car is statistically more expensive to insure.

What Makes a Car a High Insurance Group?

Vehicles are assigned a number from 1 (the cheapest) to 50 (the most expensive) by Thatcham Research on behalf of insurers. Cars land in high groups (36–50) due to several risk factors:

  • High Performance: Fast acceleration and high top speeds lead to more frequent or severe accidents.
  • Expensive Value: High showroom and replacement costs mean a greater payout if the car is written off.
  • Costly Repairs: Specialized parts, expensive bodywork, or complex design features make repairs difficult and time-consuming.
  • Luxury and Prestige: High-end brands and top-spec sports or luxury models naturally sit in these brackets.

Examples of High Insurance Groups

  • Groups 31–40: Performance-oriented hatchbacks or mid-range luxury saloons (like a BMW 3-Series).
  • Groups 41–50: High-performance sports cars, supercars, and top-tier luxury vehicles (like an Audi TT or BMW 5-Series).

What does it mean when a car is classified as insurance Group 32?

Vehicles in UK car insurance Car insurance group 32 | List of cars & average costs | Finder UK sit moderately high on the 1 to 50 rating scale.

What Group 32 Means

  • Risk level: Medium-high risk for insurers.
  • Vehicle traits: Larger engines, higher market values, and costlier repair or accident risks.
  • Cost: Average annual costs often hover around £899, depending heavily on your age and location.

Common Group 32 Cars

  • Audi Q3
  • BMW X4
  • Jaguar F-Pace
  • Kia Stinger
  • Land Rover Defender
  • Mazda MX-5

You can browse a full, detailed directory of manufacturers and specific model years using the Parkers Group 32 Catalog.

Is 28 a low insurance group?

No, insurance group 28 is not a low group; it sits slightly above the middle of the 1 to 50 scale.

What Group 28 Means

  • The Scale: UK car insurance groups run from 1 (the cheapest) to 50 (the most expensive).
  • The Position: Group 28 is a middling-to-moderate rating.
  • Typical Cars: Vehicles in this range are often mainstream electric models, executive cars, or higher-spec family vehicles.
  • Cost: Insuring a car in group 28 typically costs slightly above average. Truly low insurance groups generally range from 1 to 20.

Other Cost Factors

  • Personal Risk: Your final insurance quote depends heavily on your age, location, driving history, and occupation, not just the car's group.
  • Tools: You can verify a specific vehicle's exact rating using the Compare the Market Group Checker.

Is 27 a good insurance group?

Insurance group 27 is an average, middle-of-the-scale rating on the UK's 1–50 system.

What Group 27 Means

  • The Scale: Vehicles are ranked from 1 (the cheapest to insure) to 50 (the most expensive). Group 27 sits slightly above the exact middle, meaning it costs slightly above average to insure.
  • Typical Cars: This band usually contains mainstream electric models, family hatchbacks, SUVs, and smaller executive cars.
  • Estimated Cost: Annual insurance estimates typically range between £625 and £975 for a standard experienced driver, though this varies widely.

Other Cost Factors

The insurance group is only part of your final price. Insurers also look at personal details:

  • Your age and driving experience
  • Where you live (postcode risk)
  • Your driving history and claims record
  • Your occupation and annual mileage

To get the most accurate price, always compare actual prices using a tool like MoneySuperMarket's Insurance Checker or a major comparison site rather than relying on the group number alone.

TNT RHUM 32 - HIGH TOTALS WITHOUT INSURANCE 49

9 related questions found

Is 23 a low insurance group?

A vehicle insurance group rating of 23 is considered mid-range on the 1 to 50 scale used in the UK, or a higher-risk age bracket if you are referring to being a 23-year-old driver.

Understanding Car Insurance Groups (1–50)

If your question refers to a specific vehicle's assigned insurance group (where cars are ranked from group 1 as the cheapest to group 50 as the most expensive):

  • Groups 1–10: Very low and cheap to insure (e.g., small city cars like the Hyundai i10).
  • Groups 11–25: Moderate or mid-range. Group 23 sits near the upper-middle of this tier, meaning average repair costs, moderate performance, and reasonable safety features.
  • Groups 26–50: High risk, expensive performance cars, or luxury vehicles.

Understanding Age Brackets (Being 23 Years Old)

If your question means being 23 years old as a driver:

  • High Risk: Age 23 falls into the young adult category (ages 16–24), which is statistically considered the highest-risk and most expensive group to insure.
  • Rates start dropping later: Significant decreases in auto insurance premiums typically do not happen until age 25 or after racking up several years of clean driving experience.

What is considered a high insurance rate?

A high insurance premium means you pay a large amount of money—usually every month—to keep your insurance policy active, regardless of whether you use any medical or claim services.

How High Premiums Work

  • Ongoing Cost: You must pay this fee continuously to maintain your coverage.
  • Trade-off with Deductibles: Plans with high monthly premiums typically feature lower deductibles (the amount you pay out of pocket before insurance starts paying).
  • Sharing Costs: When you have a higher premium tier (like a Gold or Platinum health plan), the insurance company covers a larger percentage of your actual medical bills or claims when you need care.

When a High Premium Makes Sense

  • Frequent Medical Needs: It is often a better financial choice if you visit doctors often, take regular prescription drugs, or have planned surgeries.
  • Lower Out-of-Pocket Risk: You pay less money upfront at the doctor's office or hospital because your deductible is smaller.

What's the cheapest car insurance group?

Car insurance groups (the UK system ranking vehicles from 1 to 50 based on repair costs, engine size, and safety) feature groups 1 to 5 as the absolute cheapest to insure.

Cheapest Insurance Group Details

  • Group Range: Groups 1 through 5 contain small, low-powered cars with inexpensive repair parts.
  • Common Vehicles: Popular cheap models include the Skoda Citigo, Volkswagen Up!, Ford Ka+, and Fiat 500 (in lower-spec engine trims).
  • Driver Impact: Higher groups mean higher risk and more expensive replacement parts, driving up your premium.

(Note: If you meant "car insurance company" instead of vehicle insurance group, nationwide providers like USAA and Travelers offer some of the lowest average rates in the U.S.)

Which car will be the cheapest to insure in 2026?

The Buick Envista and Subaru Outback rank as the cheapest cars to insure in 2026, with average full-coverage rates starting around $117 to $161 per month depending on the provider and driver profile.

📊 Top Affordable Vehicles for 2026

  • 🚗 Buick Envista
    • Monthly average: ~$161
    • Why it's cheap: Low repair costs and high safety tech.
  • 🚙 Subaru Outback
    • Monthly average: ~$117–$191
    • Why it's cheap: Top-tier crash ratings and standard all-wheel drive.
  • 🚙 Honda CR-V
    • Monthly average: ~$122–$161
    • Why it's cheap: Exceptional safety scores and low claim severity.
  • 🚙 Subaru Forester
    • Monthly average: ~$119
    • Why it's cheap: Affordable replacement parts and modest power.

💡 Why These Cars Cost Less

  • 🛡️ Safety Ratings: High IIHS and NHTSA scores reduce injury claims.
  • 🛠️ Repair Costs: Common parts are inexpensive to source and replace.
  • 📉 Theft Rates: Mainstream SUVs attract fewer thieves than luxury or sports models.

What is group 34 insurance?

Car insurance group 34 features higher-performance and more valuable vehicles that cost more than average to insure.

What Insurance Group 34 Means

  • Ranking: Vehicles are rated from 1 (cheapest) to 50 (most expensive). Group 34 sits well above the middle, meaning higher risk for insurers.
  • Key Factors: Cars here usually feature powerful engines, higher market values, and costlier repair or replacement parts.
  • Example Models: Popular vehicles in or near this tier include the Audi TT, BMW 320i M Sport, and select Kia Sorento or EV6 trims.