Car insurance group 41

What is insurance group 41?

When it comes to insurance, all vehicles are assigned an insurance group from 1 (the cheapest to insure) to 50 (the most expensive to insure). Insurance group 41 cars are therefore among the more expensive cars to insure.

The group a particular vehicle is assigned depends on a variety of factors, including market value, vehicle performance, safety features, cost of repairs and security features.

However, a number of other factors are taken into account by insurers, such as your age, driving history and location.

Car makes and models in insurance group 41

There are several well-known cars in insurance group 41. These will fall on the more expensive side when it comes to your car insurance premium.

Cars in group 41 and the average cost of insurance by driver’s age

The table below will help you to estimate the cost of your car insurance, based on your chosen model and 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 41 categories

• 41E: Surpasses the security requirements for this type of car, leading to a lower insurance group rating.
• 41A: Meets the standard security requirements for this type of car.
• 41D: Falls short of security requirements for this type of car, resulting in a higher insurance group rating.
• 41U: Security standard is unacceptable. The insurer might require upgraded aftermarket security before providing coverage.
• 41P: Provisional status. Insufficient data is available at launch for classification. This will likely be updated once Thatcham can evaluate the new car.
• 41G: Grey import. Thatcham tests only officially sold UK cars, so imports are evaluated based on the insurer’s pricing.

Average insurance group 41e cost

To provide you with an idea of how much it may cost you to insure your insurance group 41 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 £170.86, or an annual sum of £1,759.

• 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 41 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 41 more expensive to insure?

Cars in insurance group 41 usually:

• Are expensive to buy
• Are expensive to source parts for
• Have large powerful engines
• Have longer repair times

In some cases, these cars might be lacking when it comes to safety or security features, although this is rarer with more expensive vehicles in 2020 and beyond.

What other factors affect your car insurance premium?

Along with your car’s insurance group, these three factors have the biggest impact on the cost of your insurance:

• Engine type and capacity. The bigger your engine, the more your insurance may cost. That’s because larger engines cost more to repair or replace.
• Driver location. Insurers factor in the likelihood that your car will be stolen or involved in an accident based on your location, and your premium will be altered to reflect this. As an example, a 30-year-old in central London will pay £4,143 for insurance for an Audi A7 45 TFSI 245PS S Tronic auto 5d, while the same 30-year-old in Newcastle may only pay £1,776.
• Driver age. Your age will play a key role in determining the cost of your insurance premium. Insurers use previous claims data to predict the likelihood of someone your age making a claim. The average 20-year-old driver in London could pay £31,530 for the BMW Z4 35i sDrive 2d, while the average 40-year-old Londoner will only pay £3,190.

On top of these, there are many other factors that can also impact the price of your premium.

These include the following:

• Your marital status
• Your credit history and job
• Your car’s safety rating
• Your car’s security features and anti-theft precautions
• The model and age of your car
• Your driving activity
• Your driving history
• Your no-claim discount

How can I save on my car insurance premium?

Choosing a car in a lower insurance group can help you to save money on your car insurance, but there are lots of things you can do on top of that.

Here are some ideas:

• Drive safely. It may sound obvious but making a claim or having convictions on your record will make your premium more expensive.
• Park your car on a driveway or in a garage. Insurers consider it to be safer for you to do this, and many will reduce your premium when you do.
• Don’t use your car so often. You could save money on your insurance by reducing the number of miles you drive each year. Opting for public transport or walking when you can will help keep your annual mileage down, and your car insurance premium lower.
• Pay annually. By paying annually, you won’t have interest to pay on your monthly instalments.
• Install extra safety precautions. The safer you make your car, the cheaper your premium will be.
• Shop around. When it’s time for renewal, make sure to compare your options. You’ll be surprised how much you could save by switching providers.

Frequently asked questions

• What is the lowest insurance group?

  Car insurance groups range from 1-50 with 1 being the lowest. Group 1 has 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, in theory. However, there are other factors that can influence the cost of your car insurance, such as your age, your address, your driving history and other factors related to your personal circumstances.

• Are cars in insurance group 41 good for younger drivers?

  Not so much. Cars in this group are eye-wateringly expensive for younger drivers to insure.

• What do the letters mean in insurance groups?

  The letters refer to the security features on the vehicle that are fitted 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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