What cars are group 5 insurance?

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.

The cheapest cars to insure typically feature low repair costs, high safety scores, and small engines.

Top Low Insurance Group Models (UK & US Focus)

• Hyundai i10 (1.0L): Often starts in Insurance Group 1 (UK), offering some of the lowest annual comprehensive premiums for new drivers.
• Volkswagen Up! / Skoda Citigo (60hp): These lightweight city cars sit in Group 1 and feature simple mechanics that reduce repair bills.
• Peugeot 108 (1.0L): Falls into low groups 6–9, sharing parts with similar compact builds to keep claim costs minimal.
• Honda CR-V & Subaru Outback: Routinely ranked by U.S. data providers (The Zebra) as top mainstream choices with below-average insurance rates due to high safety ratings.

Key Factors That Lower Insurance Groups

• Small Engine Size: Lower displacement (e.g., 1.0L) limits top speed and acceleration risk.
• Safety Ratings: Advanced crash-prevention tech minimizes injury severity and payout frequency.
• Repairability: Cheaper, readily available body parts decrease collision claim expenses.
• Demographic Profile: Vehicles less frequently driven or crashed by high-risk age groups get better baseline rates.

In the UK, the highest car insurance group is Group 50, which contains the most expensive and high-risk vehicles to insure.

Vehicles in groups 41 to 50 typically command the highest insurance premiums due to high market values, powerful engines, expensive specialized parts, and complex repair requirements. You can look up specific vehicles using the Parkers Group 50 Guide or check individual ratings with a Compare the Market Insurance Group Checker (or similar comparison tools).

Examples of Cars in Insurance Group 50

• Supercars & High-Performance: Audi R8, Ferrari F430, Nissan GT-R, and various Porsche or Aston Martin models.
• Luxury & Executive Sedans: Bentley Flying Spur, high-end Audi A8/S/RS series, and Mercedes-AMG variants.
• Large Performance SUVs: Range Rover top trims, BMW XM, and Maserati Levante.

Why These Cars Rank So High

• Repair Costs: Specialized body panels, carbon fiber, and advanced electronics take longer and cost more to fix.
• Performance: High brake horsepower (bhp) and rapid acceleration increase accident risk.
• Value & Theft Appeal: High market value and desirability make them prime targets for theft.

Group 5 cars were extreme race cars built under an FIA motor racing classification used from 1966 to 1982.

What Was Group 5?

• Special Production Cars: The most famous era (1976–1982) was known as the "silhouette" formula.
• The Rules: Cars had to keep the basic roof line, doors, and hood of a real production car. Engineers could change almost everything else.
• The Result: Wide fenders, giant wings, and massive power turned ordinary street cars into wild track monsters.

Famous Group 5 Cars

• Porsche 935: The most dominant car in the class, including the giant "Moby Dick" version that made up to 845 horsepower. Learn more about these machines in the Forgotten Group 5 Race Cars overview.
• Zakspeed Ford Capri: A fierce competitor in German racing with a lightweight plastic body and turbo power.
• BMW 320 Turbo: A small, nimble racer with a turbocharged engine built to fight Porsche.
• Lancia Beta Montecarlo: A lightweight, wind-tunnel-designed champion that won multiple titles.

GEICO and USAA generally offer the cheapest car insurance nationally for drivers in the United States, though the absolute lowest price depends heavily on your location, driving record, and vehicle.

Cheapest Insurance Companies

• GEICO: Widely recognized as the most affordable major carrier available to the general public, especially for minimum-liability coverage and safe drivers.
• USAA: Frequently offers the lowest rates overall (especially for full coverage), but membership is restricted to military members, veterans, and their eligible families.
• Alternative Budget Carriers: Companies like Progressive, State Farm, and Travelers, as well as regional insurers like Erie Insurance and Auto-Owners, frequently undercut competitors depending on your state.

How to Get the Lowest Rate

• Compare Multiple Quotes: Rates vary drastically between providers for the exact same coverage, so shopping around is essential.
• Bundle Policies: Combine your auto insurance with renters or home insurance to secure multi-policy discounts.
• Raise Your Deductible: Opting for a higher deductible lowers your monthly premium, provided you can afford the out-of-pocket cost during a claim.
• Opt for Telematics: Use a usage-based or tracking app program from your insurer if you are a low-risk driver with low mileage.