Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Full Bio →

Written by

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

Full Bio →

Reviewed by Leslie Kasperowicz
Former Farmers Insurance CSR

UPDATED: Nov 12, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

So you’re buying a new or used car, truck, or SUV? Obviously, you’re going to want to pick up a vehicle you can actually afford. If you aren’t paying for the vehicle outright, you’re going to want to calculate how much you’ll have to pay each month, how much your interest rate is going to cost you, and how long you’ll be paying for your new ride.

What you probably didn’t take into consideration, as many people do, is how much it’s going to cost you to insure your new or used vehicle.  You may be thinking, “But I’m paying $XXX now, what’s there to know?”

Just because you’re paying a certain amount for your current auto insurance, doesn’t necessarily mean you’ll be paying the same with your new car. In fact, it will almost certainly be much different – and that’s because auto insurance providers use thousands of little factors to determine how much you’ll have to pay for a particular amount of coverage. These factors are used to lump vehicles and the people that drive them, into car insurance groups.

Continue reading below for more information on:

Car Insurance Groupings By Vehicle

Most auto insurance providers will place a vehicle into one of three groups: low-risk, mid-risk, and high-risk. These groups are used to gauge the financial risk a particular vehicle poses to the auto insurance provider.

Vehicles that score high on Insurance Institute Highway Safety for their safety features and their ability to protect their passengers will be labeled as low-risk for obvious reasons. Vehicles with moderate safety features and test scores will be grouped as mid-risk. Sports cars and vehicles void of basic safety features will likely be placed in the high-risk group.

To see if your car is grouped as a high-risk or low-risk vehicle, take a look at the most expensive and least expensive cars to insure lists.  The cars presented as being expensive to insure are all in the “high risk” grouping, while, the least expensive ones are all generally “low risk.”

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption

Car Insurance Groupings Per Individual (Person)

Vehicles aren’t the only thing car insurance companies lump into groups to determine risk. Classifying drivers is a tad bit more complicated than grouping vehicles, but the low, mid, and high-risk groups are used here too.

Males under the age of 25, for example, are going to wind up paying a lot more than other groups. In this particular example, the higher premiums charged to this group are due to the risky driving habits of young men. Middle-aged women, on the other hand, are going to wind up paying much less.

But they don’t just blindly place people into groups. One’s driving record plays a huge role in calculating a car insurance premium. Just because you’re a 35-year-old woman does not mean you can get in an accident after accident and still have a low premium. In fact, if you get in more than one collision, you’re likely to automatically get labeled as high-risk.

Determining Which Group Classification You Are In

Before you even head to the car dealership, you’re going to want to get a general idea of what your monthly insurance premium will cost so that you can factor that into your decision.

If you want to find out what group you’re in, and how much it will cost you, all you have to do is go to the top of this page and enter your zip code. Provide a little information about yourself and your driving record, and you’ll get the best deals the auto insurance industry has to offer.