Car Insurance Group 41: Cars & Cost (2026)
A car in insurance group 41 typically costs a mid-range UK driver around £1,600–£2,500 a year for comprehensive cover in 2026 — group 41 is near the top of the 1–50 scale, home to performance and luxury cars.
What insurance group 41 means
Every car sold in the UK is placed in one of 50 insurance groups (1 to 50) by the Group Rating Panel, administered by Thatcham Research on behalf of the Association of British Insurers (ABI). Group 1 cars are the cheapest to insure; group 50 cars are the most expensive. Cars registered from August 2024 also carry a new 1–99 Vehicle Risk Rating, but the familiar 1–50 group still drives most quotes today.
Group 41 sits firmly in the most expensive band (41–50). It is reserved for powerful, valuable and costly-to-repair cars — typically performance saloons, large premium SUVs, hot hatches and sports cars. As a rough guide, a group 41 car costs a mid-range driver roughly £1,600–£2,500+ a year for comprehensive cover, against a UK average of about £600. Confused.com and the ABI both note that the group is only one input: your age, postcode, mileage and claims history usually move the price far more than the group number alone.
Panel scoring looks at five things: cost of parts, repair time after a typical claim, performance and engine power, new-car value, and the strength of the car's security systems.
Indicative group 41 premium by driver age
The figures below are indicative and blended from published market data for group 41 cars. They are not quotes. Real prices swing widely with postcode, mileage, job, claims history and the exact model — young drivers in particular can pay several times these numbers.
| Driver age band | Indicative annual comprehensive premium (group 41) | Notes |
|---|---|---|
| 17–24 | £3,500 – £9,000+ | Highest risk band; a group 41 car can be effectively uninsurable at 17–18 without a telematics or specialist policy. |
| 25–34 | £1,700 – £2,600 | Around the £1,759 market average for group 41 comprehensive cover. |
| 35–64 | £1,300 – £1,900 | Lowest-risk working-age band; clean licence and low mileage help most. |
| 65+ | £1,200 – £1,800 | Competitive if health and annual mileage are declared; may rise past 75. |
Sources: Finder UK car insurance group 41 data (comprehensive average ~£1,759, 2025–26); Association of British Insurers (ABI) and Thatcham Research group-rating framework; Confused.com average-premium context. Indicative only — not a quote.
Cars often rated around group 41
Insurance groups vary by exact trim, engine, gearbox and model year, so a badge can span several groups. The cars below are ones often rated in or around group 41 for common variants — always check your specific registration with the Thatcham or MoneySuperMarket group checker before you buy.
- Ford Mustang (5.0 V8) — the American muscle car's power and repair costs push it into the low-40s band.
- Jaguar F-Pace / XF — higher-powered diesel and petrol trims of Jaguar's premium SUV and saloon frequently land around group 41.
- BMW X5 / X6 — larger, more powerful variants of BMW's premium SUVs sit in the low-40s.
- Mercedes-AMG A 45 — the hot-hatch flagship's performance rating pushes it into the 40s.
- Porsche Macan — the compact Porsche SUV's value and parts costs place stronger versions around group 41.
- Land Rover Defender 130 / Range Rover Velar — large, valuable Land Rover models with high repair and theft profiles.
Even hotter derivatives — the Porsche 911, BMW M3 Competition and Audi RS6 — climb well beyond group 41 into the mid-to-high 40s. If you want a cheaper premium, dropping a few groups (see group 40) can make a real difference; the next step up is group 42.
How to pay less in group 41
- Increase your voluntary excess — a higher excess lowers the premium, provided you could afford to pay it after a claim.
- Pay annually, not monthly — monthly instalments carry interest (an APR), so paying in one go is usually cheaper.
- Build and protect your no-claims discount — this matters far more on an expensive group 41 car than on a cheap one.
- Add an experienced named driver — a second low-risk driver can reduce the price (never "front" — that's fraud).
- Improve security and keep it off the street — a Thatcham-approved tracker, immobiliser and a locked garage cut the theft risk insurers price for.
- Limit your mileage and shop early — quote around 3 weeks before renewal and declare accurate, lower mileage where honest.
Group 41 car insurance: common questions
Our sources
- Thatcham Research — Group Rating Panel methodology and vehicle group checker.
- Association of British Insurers (ABI) — car insurance group-rating framework.
- Confused.com — UK average premium and pricing-factor context.
- Finder UK — car insurance group 41 comprehensive average (~£1,759) and age-based sample data.
Browse all insurance groups, compare by model on our cars by vehicle pages, and track prices with the UK car insurance cost index.
Reviewed by the Car Insurance Expert editorial team.
Last updated: 2026-07-06
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