Insurance groups 26 to 30 explained
Middling groups on the UK's 1 to 50 scale, where 1 is the cheapest to insure. They hold executive cars and mainstream electric models, and each group is explained below.
What each group from 26 to 30 means
The number is the group, and the letter after it records how the car's security affected the rating. E means it beat the requirement and dropped one group. D means it fell short and went up one. A means it met the requirement, and P marks a group that is still provisional.
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Insurance group 26
Group 26 sits about 51% of the way up the scale, with 25 groups cheaper and 24 dearer. A 26E car scored as group 27 and was cut to 26 for above-standard security. A 26D car scored as group 25 and was raised to 26 because its security falls short. A 26A car's security met the requirement, so its group was not adjusted, and 26P means the group is provisional, set before full rating data was available at launch.
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Insurance group 27
Group 27 sits about 53% of the way up the scale, with 26 groups cheaper and 23 dearer. A 27E car scored as group 28 and was cut to 27 for above-standard security. A 27D car scored as group 26 and was raised to 27 because its security falls short. A 27A car's security met the requirement, so its group was not adjusted, and 27P means the group is provisional, set before full rating data was available at launch.
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Insurance group 28
Group 28 sits about 55% of the way up the scale, with 27 groups cheaper and 22 dearer. A 28E car scored as group 29 and was cut to 28 for above-standard security. A 28D car scored as group 27 and was raised to 28 because its security falls short. A 28A car's security met the requirement, so its group was not adjusted, and 28P means the group is provisional, set before full rating data was available at launch.
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Insurance group 29
Group 29 sits about 57% of the way up the scale, with 28 groups cheaper and 21 dearer. A 29E car scored as group 30 and was cut to 29 for above-standard security. A 29D car scored as group 28 and was raised to 29 because its security falls short. A 29A car's security met the requirement, so its group was not adjusted, and 29P means the group is provisional, set before full rating data was available at launch.
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Insurance group 30
Group 30 sits about 59% of the way up the scale, with 29 groups cheaper and 20 dearer. A 30E car scored as group 31 and was cut to 30 for above-standard security. A 30D car scored as group 29 and was raised to 30 because its security falls short. A 30A car's security met the requirement, so its group was not adjusted, and 30P means the group is provisional, set before full rating data was available at launch.
Groups are set by the Group Rating Panel of insurers, with Thatcham Research assessing each car, and the rating is advisory, so insurers can depart from it. In Thatcham's own example, a group 9 car with better-than-required security is listed as 8E, and one whose security falls short is listed as 10D. The full scale lists every letter, and our guide to how insurance groups work covers the system end to end.
Cars rated in groups 26 to 30
Which cars are in insurance groups 26 to 30?
- Audi A4
- BMW 3 Series
- Mercedes C-Class
- Volkswagen ID.3
- Nissan Leaf
- Jaguar E-Pace
Groups 26 to 30 hold mid-size executive saloons and many volume electric cars, whose battery and sensor repair costs put them here despite modest badges. Each engine, trim and security combination is rated on its own, so one model can span many groups.
For a new driver
Are groups 26 to 30 good for a new driver?
Groups 26 to 30 are usually a poor fit for a new driver. They are mid-scale, and a new driver's premium climbs quickly with the group.
Our reading of the scale, not an insurer's rule. MoneySuperMarket's band medians cover drivers of every age, and new drivers usually pay well above them.
Finding a car's group
How can I find a specific car's insurance group?
Many insurance quotes state the group, and most manufacturers' UK price lists show it for new cars. Comparison sites and motoring publishers list groups by model and trim, and some look them up by registration using licensed industry data. It is not on the V5C logbook or the DVLA record, so our report does not show it.
Buying a car in groups 26 to 30?
Check its history before you pay
Our report confirms the exact engine, fuel and model the rating hangs on, and every MOT and mileage reading, from £5.
Insurance groups 26 to 30: common questions
Are insurance groups 26 to 30 high or low?
Groups 26 to 30 are middling on the 1 to 50 scale, where 1 is the cheapest to insure. They broadly cover executive cars and mainstream electric models.
How much is insurance for groups 26 to 30 per month?
About £45 a month for groups 26 to 30, based on the £543 median annual price of policies sold for groups 21 to 30 through MoneySuperMarket in July 2026. MoneySuperMarket publishes ten-group bands, so there is no separate figure for each group, and your age, postcode and claims record move the price far more than the group does.
Which cars are in insurance groups 26 to 30?
Versions of the Audi A4, BMW 3 Series, Mercedes C-Class, Volkswagen ID.3, Nissan Leaf and Jaguar E-Pace are typical of groups 26 to 30. Each engine, trim and security combination is rated on its own, so one model can span several groups.
Is the 1 to 50 insurance group system being replaced?
Yes, for brand-new models. Thatcham Research's Vehicle Risk Rating, launched in September 2024, scores new model ranges from 1 to 99 in five areas, while cars already rated keep their 1 to 50 insurance group.
Figures last checked against the official source on . Check the source yourself.