Cars in insurance group 3

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Insuring a group 3 car
What affects insurance groups

All cars in the UK go in an insurance group. The groups range from 1 to 50.

These are the cars in group 3.

Car insurance group 3 cars: the big list

Make Model Year Engine size Door count
Chevrolet Spark + -2010 1 litre 5 door
Chevrolet Spark Ls -2010 1 litre 5 door
Citroen C1 Cool 2007 1 litre 3 door
Citroen C1 Rhythm Hdi 2005-2008 1.4 litre 5 door
Citroen C1 Vtr Hdi 2009-2010 1.4 litre 3 door
Citroen C1 Vtr+ -2010 1 litre 3 door
Citroen C2 Airplay+ 2007 1.1 litre 3 door
Citroen C2 Cachet 2008 1.1 litre 3 door
Citroen C2 Cool 2007 1.1 litre 3 door
Citroen C2 Design 2004-2008 1.1 litre 3 door
Citroen C2 Furio 2005-2008 1.1 litre 3 door
Citroen C2 L 2003-2008 1.1 litre 3 door
Citroen C2 Lx 2003-2008 1.1 litre 3 door
Citroen C2 Rhythm 2008 1.1 litre 3 door
Citroen C2 Vibe 2008 1.1 litre 3 door
Citroen C2 vt -2009 1.1 litre 3 door
Citroen C2 Vtr -2009 1.1 litre 3 door
Citroen C3 Airplay+ 2007-2008 1.1 litre 5 door
Citroen C3 L 2002-2007 1.1 litre 5 door
Citroen Nemo Multispace -2009 1.4 litre 5 door
Citroen Nemo Multispace Combi+ -2010 1.4 litre 5 door
Fiat Fiorino Combi -2008 1.4 litre 5 door
Fiat Panda 360 2007 1.2 litre 5 door
Fiat Panda 4X2 2008 1.2 litre 5 door
Fiat Panda 4X4 -2005 1.2 litre 5 door
Fiat Panda Climbing 4X4 2005 1.2 litre 5 door
Fiat Panda Dynamic 2004-2008 1.2 litre 5 door
Fiat Panda Dynamic Eco -2008 1.2 litre 5 door
Fiat Qubo Dynamic -2008 1.4 litre 5 door
Fiat Seicento 2 Tone 2002 1.1 litre 3 door
Fiat Seicento Active 2003-2004 1.1 litre 3 door
Fiat Seicento Mia 1999 0.9 litre 3 door
Fiat Seicento S 1998-2000 0.9 litre 3 door
Fiat Seicento Sx 1998-2000 0.9 litre 3 door
Fiat Seicento Sx Citymatic 1998-2000 0.9 litre 3 door
Ford Ka Digital -2010 1.2 litre 3 door
Ford Ka Edge -2010 1.2 litre 3 door
Ford Ka Grand Prix -2010 1.2 litre 3 door
Ford Ka Studio -2009 1.2 litre 3 door
Ford Ka Style -2009 1.2 litre 3 door
Ford Ka Style+ -2009 1.2 litre 3 door
Ford Ka Tattoo -2010 1.2 litre 3 door
Ford Ka Tattoo Premium -2010 1.2 litre 3 door
Ford Ka Titanium -2010 1.2 litre 3 door
Ford Ka Zetec -2009 1.2 litre 3 door
Ford Ka Zetec Tdci -2009 1.2 litre 3 door
Peugeot 1007 Dolce (73) 2005-2007 1.4 litre 3 door
Peugeot 107 Allure -2010 1 litre 3 door
Peugeot 107 Envy -2010 1 litre 3 door
Peugeot 107 Kiss 2008 1 litre 3 door
Peugeot 107 Millesim -2010 1 litre 3 door
Peugeot 107 Sport 2008-2009 1 litre 3 door
Peugeot 107 Sport Xs 2007-2009 1 litre 3 door
Peugeot 107 Urban -2005 1 litre 3 door
Peugeot 107 Urban Hdi 2006 1.4 litre 3 door
Peugeot 107 Urban Lite -2006 1 litre 3 door
Peugeot 107 Urban Move 2007-2009 1 litre 3 door
Peugeot 107 Verve -2009 1 litre 3 door
Peugeot 107 Xe -2009 1 litre 3 door
Peugeot 107 Xl -2009 1 litre 3 door
Peugeot Bipper Tepee S -2009 1.4 litre 5 door
Peugeot Partner Tepee S Hdi (75) -2008 1.6 litre 5 door
Peugeot Partner Tepee Zenith Hdi (75) -2009 1.6 litre 5 door
Looking for insurance?

Group 3 cars are (usually) cheaper to insure

Generally, the higher the car insurance group, the more expensive it will be to insure. The cars listed above are all in group 3, which means they’re (relatively) pretty cheap to get insured.

If you’re buying a new car, you should check what insurance group it’s in. If it’s in a low group, you’ll know that you’ll (probably) get a cheaper car insurance quote than if it’s in a high insurance group.

This is true if you’re switching your insurance to another car, too. If you’re switching to a car in a higher insurance group, you might see your price go up a lot.

Sometimes, insurance companies won’t insure cars over a certain insurance group at all.

Cars are categorised into different insurance groups by Thatcham’s. Most insurance companies use the Thatcham’s rating, but some will have their own way of deciding the groups.

Check your car's insurance group

What affects your insurance group

There are lots of things that affect which insurance group a car goes in. Some of the main things are:

  • Performance: higher-spec cars with bigger engines tend to go in higher groups
  • Safety features: the safer a car is, the lower the insurance group
  • Cost of replacing parts: if car parts have to be imported, or if they’re really hard to get hold of, the insurance group might go up

You can check your car’s technical specs for free.

Cars in insurance group 3 are likely to be pretty small, and not hugely powerful. But compared to groups 1 and 2, many of the cars in group 3 have larger engines, or are less commonly sold, which means the replacement parts for those cars are harder to source.

They probably have plenty of cutting-edge safety features, too. Especially if they’re new.

It's all about risk 🎲
Basically, car insurance groups come down to how much it will cost an insurance company there's a claim on the car. The more risk, the higher the group.

Updated on 17th November 2020

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