Car insurance group 44

What is insurance group 44?

Before a vehicle is made available to buy, it is placed in a car insurance group.

With insurance groups ranging from 1-50, vehicles in group 44 are one of the most expensive to insure.

The cars that fall in this group usually have a high market value, large powerful engines and parts that are costly to replace.

However, there are also other factors that insurers take into account when calculating your premium, such as your age, driving history and location.

Car makes and models in insurance group 44

Here is a list of the more popular cars in insurance group 44. These are all going to be on the more expensive side when it comes to your car insurance premiums.

Cars in insurance group 44 and the average cost by driver’s age

Using the table below, you can look for your chosen model of car and estimate how much you’re likely to pay for your 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 44 categories

• 44E: Surpasses the security requirements for this type of car, leading to a lower insurance group rating.
• 44A: Meets the standard security requirements for this type of car.
• 44D: Falls short of security requirements for this type of car, resulting in a higher insurance group rating.
• 44U: Security standard is unacceptable. The insurer might require upgraded aftermarket security before providing coverage.
• 44P: Provisional status. Insufficient data is available at launch for classification. This will likely be updated once Thatcham can evaluate the new car.
• 44G: Grey import. Thatcham tests only officially sold UK cars, so imports are evaluated based on the insurer’s pricing.

Average insurance group 44e cost

To provide you with an idea of how much it may cost you to insure your insurance group 44 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 £190.16, or an annual sum of £2,423.

• 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 44 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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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 larger your engine, the more you’re likely to pay to insure your vehicle.
• Driver location. Insurers factor in the likelihood of you making a claim based on your location. If a lot of people living in your area have made a car insurance claim, you may have to pay a higher premium. As an example, a 30-year-old in central London will pay £6,019 for insurance for a BMW Alpine 110 Premiere Edition auto 2d, while the same 30-year-old in Newcastle may only pay £2,447.
• Driver age. Your age plays a huge role in determining the cost of your insurance premium. The average 20-year-old driver in London could pay £29,271 for the Lexus RC F auto 2d, while the average 40-year-old Londoner will only pay £5,077.

There are a lot of other factors that can also impact the price of your premiums.

These include the following:

• Your marital status
• Your car’s safety rating, security and anti-theft precautions
• The likelihood of your car being stolen
• The model and age of your car
• Your driving history and driving activity
• Your no-claims discount
• Your credit history
• Your occupation

How can I save on my car insurance premiums?

Choosing a car in a lower insurance group will help you save money on your car insurance. However, replacing your vehicle isn’t viable for everyone.

Thankfully, there are other things you can do to lower the cost of your car insurance.

• Drive safely. Making a claim or picking up driving convictions will make your premium more expensive.
• Don’t use your car all of the time. You could save money on your insurance by reducing the number of miles you drive per year. Insurers tend to offer lower premiums to motorists with a lower annual mileage.
• Pay annually. By paying annually, you often end up with a cheaper deal as you won’t have interest to pay on 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, compare your options. Often, you’ll find a cheaper deal 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 cars to insure.

• Does a lower insurance group mean cheaper car insurance?

  Yes, in theory. However, insurers will also consider your personal circumstances.

• 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.

• Are cars in insurance group 44 good for younger drivers?

  Not so much. Most younger drivers will struggle to be able to afford to insure a car in this group.

• What do the letters mean in insurance groups?

  These letters refer to the security features fitted as standard on the vehicle.

• How many car insurance groups are there in the UK?

  In the UK, there are 50 car insurance groups with 1 being the lowest (cheapest) and 50 being the highest (most expensive).

• 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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