Car Insurance Group 37: Cars & Cost (2026)
A group 37 car typically costs a mid-range UK driver around £1,100–£1,600 a year for comprehensive cover in 2026 — group 37 sits high on the 1–50 scale, so premiums run well above the ~£600 national average.
What car insurance group 37 means
Every car sold in the UK is placed in an insurance group from 1 to 50, where group 1 is the cheapest to insure and group 50 the most expensive. Group 37 sits firmly in the upper-cost band — roughly three-quarters of the way up the scale. It is home to premium hatchbacks and saloons, larger and performance SUVs, and a growing number of electric vehicles (EVs), whose battery and repair costs push them higher.
The groups are set by Thatcham Research and the Association of British Insurers (ABI). They weigh up five main factors: the cost of parts, how long repairs take, performance (0–60 and top speed), the car's new and used value, and security features fitted as standard. A car lands in group 37 because it scores high on several of these — typically strong performance, higher value, or costly parts and repairs.
Cars first registered from August 2024 are also given a newer Vehicle Risk Rating (VRR) on a 1–99 scale, which insurers are gradually adopting alongside the familiar 1–50 groups. Either way, a car near group 37 is on the pricier side to cover — though your age, postcode and driving history still influence the final premium far more than the group number alone.
How much a group 37 car costs to insure by age
The table below shows indicative annual comprehensive premiums for a typical group 37 car in 2026, split by driver age band. These are illustrative estimates built from published UK price-index data — your own quote will vary with postcode, mileage, no-claims discount and claims history.
| Driver age band | Indicative annual premium (group 37) | Notes |
|---|---|---|
| 17–24 | £2,600–£3,400 | Highest risk band; young-driver loading dominates |
| 25–34 | £1,400–£1,900 | Falls sharply once no-claims discount builds |
| 35–64 | £1,100–£1,600 | Typical mid-range driver — the headline figure |
| 65+ | £1,000–£1,450 | Rises slightly again at older ages |
Sources: figures are indicative estimates by the Car Insurance Expert editorial team, scaled from the Confused.com Price Index and Quotezone age-band data (2026), applying a typical group 37 uplift to the ~£600 UK average premium. Insurance groups are defined by Thatcham Research and the ABI. Not a quote.
Cars often rated around group 37
Insurance groups vary by exact trim, engine, year and gearbox, so the same nameplate can span several groups. The cars below are examples that are often rated in or around group 37 — always check your specific version, as a different engine or spec can move it up or down.
- Tesla Model 3 — the popular electric saloon frequently sits in the high-30s, reflecting EV repair and battery costs.
- Alfa Romeo Giulia — sportier petrol saloons in the range are commonly rated around this level.
- Volvo XC60 — higher-powered and plug-in hybrid versions of this mid-size SUV often land near group 37.
- Audi Q3 — performance and higher-trim variants of the compact SUV frequently reach the mid-to-high 30s.
- Jaguar XF — the executive saloon's stronger engines are regularly grouped around here.
- Land Rover Defender 110 — larger-engined versions of the modern Defender are often rated around this band.
Notice the mix: premium performance saloons, mid-to-large SUVs and EVs all cluster in this part of the scale. If you are comparing, check the neighbouring group 36 and group 38 pages, or browse cars by vehicle.
How to pay less in group 37
- Compare widely and early. Quote 3–4 weeks before renewal and use more than one comparison site — prices for the same car can differ by hundreds of pounds.
- Build and protect your no-claims discount. Several years of no-claims can cut a group 37 premium dramatically.
- Raise your voluntary excess — sensibly. A higher excess lowers the premium, but keep it to an amount you could actually afford to pay.
- Add an experienced named driver (honestly), improve security with a Thatcham-approved alarm or tracker, and park off-road where you can.
- Consider telematics (black box) if you are a younger or newer driver — it can offset the group loading.
- Pay annually rather than monthly to avoid interest, and limit modifications, which push the group and price up.
Group 37 car insurance: common questions
Our sources
Insurance group definitions and rating factors: Thatcham Research and the Association of British Insurers (ABI). Average premium and age-band data: Confused.com Price Index and Quotezone (2026). Example cars cross-checked against published group listings. Premium figures are indicative estimates, not quotes.
Reviewed by the Car Insurance Expert editorial team.
Last updated: 2026-07-06
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