Car insurance group 37

What is insurance group 37?

All vehicles you see on the road have been assigned an insurance group from 1 (cheapest) to 50 (most expensive), with cars in insurance group 37 falling on the more expensive side. This categorisation helps insurers calculate the cost of your car insurance premiums.

The group it falls into depends on a variety of factors such as market value, vehicle performance, safety features, cost of repairs and security features.

In this guide, we’ll take a look at the factors that place a vehicle in group 37.

Car makes and models in insurance group 37

There are a number of well-known cars in insurance group 37. These are likely to fall on the more expensive side when it comes to your car insurance premiums.

Cars in insurance group 37 and the average cost by driver’s age

Using the table below, you can look for the make and model of your car, and work out how much you’re likely to pay for your car insurance based on your age.

• How we got these rates

  These rates are based on the average cost of cover for cars in the insurance groups shown, for drivers of different ages with a Newcastle (NE1) postcode, which our research suggests represents an average for insurance rates in the UK. Updated: June 2024 (source: Confused).

Insurance group 37 categories

• 37E: Surpasses the security requirements for this type of car, leading to a lower insurance group rating.
• 37A: Meets the standard security requirements for this type of car.
• 37D: Falls short of security requirements for this type of car, resulting in a higher insurance group rating.
• 37U: Security standard is unacceptable. The insurer might require upgraded aftermarket security before providing coverage.
• 37P: Provisional status. Insufficient data is available at launch for classification. This will likely be updated once Thatcham can evaluate the new car.
• 37G: Grey import. Thatcham tests only officially sold UK cars, so imports are evaluated based on the insurer’s pricing.

Average insurance group 37e cost

To provide you with an idea of how much it may cost you to insure your insurance group 37 car, we ran several quotes to find an average figure. Based on our results, on average, you could insure your car with a comprehensive policy for the monthly price of £111.83, or an annual sum of £1,103.

• How we calculated this price

  We generated these quotes using the following assumptions about the vehicle and the driver.

  The vehicle is/has:

  • Insurance group 37 model
  • Factory fitted alarm system
  • Not modified
  • Used for social, domestic and commuting purposes
  • 10,000 mileage per year
  • Parked in a work car park during the day
  • Parked on a driveway at night

  The driver is/has:

  • A 30-year-old, single teacher from London
  • A homeowner
  • Five years no-claims discount
  • No driving or other convictions in the last 5 years

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Why are cars in group 37 more expensive?

Cars in insurance group 37 tend to have:

• Expensive-to-source parts and expensive repairs
• Higher market value
• Larger engine size
• Longer repair times

In some cases, vehicles in this group may also be lacking when it comes to safety and security features.

What other factors affect my car insurance premium?

Here are some other factors that have a significant impact on the cost of your insurance:

• Engine type and capacity. The bigger your engine, the more it will cost to repair and replace. With a larger engine, you’re likely to be seen as a bigger risk to an insurer and this is usually reflected with a higher premium.
• Driver location. Insurers will consider your location when factoring in the likelihood that your car will be stolen or involved in an accident. This includes where you park your car at night (on the street, driveway or garage) and also your address. A 30-year-old in central London will pay £2,120 for insurance for a Audi A1 S1 S1 TFSI Quattro 3d, while the same 30-year-old in Newcastle may only pay £1,114.
• Driver age. Like location, your age will also play a huge role in determining the cost of your insurance premium. The average 20-year-old driver in London could pay £21,545 for the Jaguar XE HSE P300 AWD auto 4d, while the average 40-year-old Londoner will only pay £1,831.

Other factors that can also impact the price of your premiums include:

• Your car’s safety rating
• Your car’s security features
• The age and model of your car
• Your driving history, including no claims bonus
• Your marital status
• Your credit history and job

How can I save on my car insurance premiums?

Choosing a car in a lower insurance group will help to reduce the price of your premium, but that’s not the only way.

Here are some more things you can do to help plummet the cost of your car insurance.

• Drive safely. If you’ve made a claim previously, or even worse picked up a driving conviction, your premium will rise significantly.
• Don’t use your car all of the time. Motorists with a lower annual mileage tend to face lower charges to insure their vehicles.
• Pay annually. When you pay annually, you avoid having to pay interest on monthly instalments.
• Install extra safety precautions. The safer you make your car, the cheaper your premium will be.
• Shop around. Use a price comparison website to find the best deal. Often, you’ll save a lot of money by switching away from your existing insurer.

Frequently asked questions

• What is the lowest insurance group?

  Car insurance groups range from 1 to 50. Group 1 is the lowest and features the cheapest vehicles to insure.

• What does Thatcham Research analyse?

  Thatcham Research analyses a number of criteria to calculate a car’s group rating. One of its key tests is a 15km/h crash impact assessment, based on an internationally recognised insurance standard. Following the crash, Thatcham’s engineers work out the cost of the time and parts to return the car to its pre-accident condition. The group rating also takes into account new car values, car performance (including top speed and acceleration time), parts pricing, safety and security features, and the alignment and structure of a car’s bumpers.

• Does a lower insurance group mean cheaper car insurance?

  Yes, although remember that insurers will also consider a range of your personal circumstances when calculating your premium.

• Are cars in insurance group 37 good for younger drivers?

  Not so much. Younger drivers tend to face extortionate car insurance charges, as it is. Driving a car in this group will send their premium soaring even higher. Unless they’re very wealthy, most younger drivers would probably prefer to drive a car in a lower insurance group.

• What do the letters mean in insurance groups?

  These letters refer to security features installed as standard.

• Who decides on the car insurance groups?

  In the UK, The Group Rating Panel, administered by Thatcham Research, assigns new car models to an insurance group from 1 to 50.

Written by

Danny Butler

Publisher

Danny is a publisher at Finder specialising in insurance and investing. He previously worked at the global insurer Aon and has appeared in national media giving advice on insurance. Danny holds a BA in International Business from the University of Plymouth and has undying loyalty to his average-poor football team, Portsmouth FC. See full bio

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