Car insurance group 45

What is insurance group 45?

When it comes to insurance, all vehicles are assigned an insurance group that helps insurers work out the cost of your car insurance premiums.

The groups are numbered from 1 (cheapest) to 50 (most expensive). So, vehicles in group 45 are among the most expensive to insure.

In this guide, we’ll explore the factors used to place a vehicle in an insurance group plus the other circumstances that insurers consider when offering you a car insurance quote.

Car makes and models in insurance group 45

There are a number of popular cars in insurance group 45. The vehicles in the table below will all fall on the more expensive side when it comes to your car insurance premiums.

Cars in insurance group 45 and the average cost by driver’s age

Using the table below, you can look for your chosen make and model of car and calculate 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 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 £200.99, 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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Why are cars in group 44 more expensive?

Cars in insurance group 44 typically have the following:

• High market values
• Expensive parts and repairs
• Large powerful engines
• Long repair times

What other factors affect your car insurance premium?

Along with your car’s insurance group, these three factors will also have a huge impact on the cost of your insurance:

• Engine type and capacity. The larger your engine, the more you’re likely to pay for insurance. This is because larger engines cost more to repair and replace.
• Driver location. Insurers factor in the likelihood of you making a claim based on your address. Your premium will be higher if a lot of people in your area make claims. As an example, a 30-year-old in central London will pay £5,690 for insurance for a BMW 7-Series 725Ld auto 4d, while the same 30-year-old in Newcastle may only pay £2,690.
• Driver age. Your age also determines the cost of your insurance premium. The youngest drivers will pay more because they are statistically more likely to make a claim. For example, the average 20-year-old driver in London could pay £32,897 for the Ford Mustang 5.0 V8 GT 2d, while the average 40-year-old Londoner will only pay £4,604.

There are many other factors that can impact the price of your premiums.

These include the following:

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

How can I save on my car insurance premiums?

Choosing to drive a car in a lower car insurance group is a great way to lower your car insurance.

On top of that, there are other things you can do to keep your car insurance lower.

• Drive safely. It may sound obvious but making a claim or having driving convictions on your record 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 every year. Insurers tend to offer lower premiums to drivers who register a lower annual mileage.
• Pay annually. By paying annually, you often end up with a much cheaper deal as you won’t have to pay interest on monthly instalments.
• Install extra safety precautions. The safer you make your car, the less you’ll pay to insure it.
• Compare providers every year. When it’s time to renew your insurance, make sure you compare your options. You’ll usually be able to save a fair amount by switching providers.

Frequently asked questions

• What is the lowest insurance group?

  Group 1 is the lowest and the cheapest cars to insure. Group 50 is the highest with the most expensive cars 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 and your driving history.

• Are cars in insurance group 45 good for younger drivers?

  It will cost younger drivers an awful lot to insure vehicles in this group. Many will prefer to drive a car in a lower insurance group.

• What do the letters mean in insurance groups?

  The letter refers to safety fitted as standard on the vehicle.

• 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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