Car Insurance Group 14: Cars & Cost (2026)
A car in insurance group 14 typically costs a mid-range UK driver around £600–£800 a year for comprehensive cover in 2026 — group 14 covers affordable family hatchbacks and small SUVs.
What insurance group 14 means
Every car sold in the UK is placed in an insurance group from 1 to 50, where group 1 is the cheapest to insure and group 50 the most expensive. The groups are set by Thatcham Research and the Association of British Insurers (ABI), based mainly on the cost of parts, how long repairs take, performance, the car's new value and its security features. (Cars registered from August 2024 also carry the newer 1–99 Vehicle Risk Rating, but the 1–50 group still applies to most cars on the road.)
Group 14 sits a little below the middle of the scale. It is home to a broad band of popular, sensible family cars — mainstream hatchbacks, estates and small SUVs with modest engines. Insuring a group 14 car is neither the cheapest option (that is groups 1–5) nor an expensive one; it is a comfortably affordable, everyday-motoring group. As a rough guide, ABI data referenced by insurers puts the average comprehensive premium for groups 11–20 at around £530, and the overall UK average premium in 2026 is roughly £600. Because group 14 leans slightly toward the family-SUV end, a mid-range driver should budget nearer £600–£800 a year.
Crucially, the group is only one input. Your age, postcode, claims history, annual mileage, job and the excess you choose all move the price far more than the difference between group 13, 14 or 15. See how group 14 compares in our UK car insurance cost index, or browse all insurance groups.
Group 14 premiums by driver age
The figures below are indicative estimates for a typical group 14 car (comprehensive cover, average postcode, clean licence). They are modelled by applying published age-band multipliers from the Confused.com Price Index to a group-14-appropriate baseline — they are a planning guide, not a quote. Younger drivers pay far more than the group alone suggests.
| Driver age band | Indicative annual premium (group 14, comprehensive) | Notes |
|---|---|---|
| 17–24 | £1,150–£1,400 | Highest — inexperience dominates; a black box can cut this sharply |
| 25–34 | £700–£900 | Falls quickly as experience and no-claims bonus build |
| 35–64 | £550–£700 | Cheapest working-age band; close to the UK average |
| 65+ | £450–£600 | Low mileage and long claim-free records keep prices down |
Sources: Indicative estimates by Car Insurance Expert, modelled from the Confused.com Price Index (2026) age-band data and ABI/Thatcham Research group definitions. Figures are indicative for planning only and are not a quote; your own premium depends on postcode, history, mileage and cover level.
Cars often rated around group 14
Insurance groups vary by exact trim, engine and model year, so the same nameplate can sit several groups apart. The cars below are examples that are frequently rated in or around group 14 for particular versions — always check the specific variant you are buying before you assume its group.
- Skoda Octavia (1.0/1.5 TSI petrol) — a roomy, sensible family estate/hatch that lands around this group in lower trims.
- Mercedes-Benz A-Class (A160/A180 entry trims) — the smaller-engined, non-AMG versions of the premium hatch sit near group 14.
- Renault Kadjar (1.5 dCi diesel) — a mid-size family SUV whose economical diesel variants are frequently rated here.
- Dacia Duster (dCi diesel, higher trims) — the value SUV creeps into this region in better-equipped diesel forms.
- Toyota Prius (Excel hybrid) — the well-known hybrid can be rated around group 14 in higher trims.
- Ford Focus / Volkswagen Golf (certain 1.0–1.5 petrol trims) — specific mainstream hatch variants land near group 14, though sportier ST-Line/GTI versions jump much higher.
Looking at a specific model? Browse cars by vehicle to check its likely group before you buy.
How to pay less in group 14
- Shop around and switch. Never auto-renew — compare quotes 3–4 weeks before renewal, when prices are typically lowest.
- Increase your voluntary excess (within reason) to lower the premium, but only pledge an amount you could actually afford to pay on a claim.
- Build and protect your no-claims bonus — it is one of the biggest single discounts available.
- Consider telematics (black box) if you are a younger group 14 driver — it can cut hundreds off a 17–24 premium.
- Pay annually rather than monthly to avoid interest of typically 20–30% APR on instalments.
- Add an experienced named driver, keep mileage realistic, and improve security (approved alarm/tracker) to nudge the price down.
Group 14 car insurance FAQs
Sources & editorial
- Association of British Insurers (ABI) — insurance group system and average premium data.
- Thatcham Research — group ratings methodology and security classifications.
- Confused.com Price Index (2026) — average premiums by age band.
Reviewed by the Car Insurance Expert editorial team.
Last updated: 2026-07-06
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