Car Insurance Group 44: Cars & Cost (UK 2026)
A group 44 car typically costs a mid-range driver around £1,600–£2,500+ a year for comprehensive cover in 2026 — group 44 sits near the top of the 1–50 scale, home to fast, high-value performance and luxury cars.
What car insurance group 44 means
Every car sold in the UK is placed in one of 50 insurance groups, numbered 1 (cheapest to insure) to 50 (most expensive). The ratings are set by the Group Rating Panel, administered by Thatcham Research on behalf of the Association of British Insurers (ABI). Cars registered from August 2024 also carry the newer 1–99 Vehicle Risk Rating, but the 1–50 group system remains the figure most insurers quote against.
Group 44 sits in the most expensive band. It is reserved for cars with powerful engines, high market value, costly parts and longer repair times — typically performance saloons, coupes, fast SUVs and luxury models. Only groups 45–50 rate higher. A car in group 44 will almost always cost more to insure than the UK average, which sits at roughly £600 a year, though your own age, postcode and claims history influence the final price far more than the group number alone.
Each car’s group is decided on five factors: cost of parts, repair time after a typical claim, performance and engine power, the car’s new and used value, and the standard of security fitted. A group 44 car scores high on most of these.
How much does a group 44 car cost to insure?
The table below shows indicative comprehensive premiums for a group 44 car by driver age band. These are illustrative ranges for a group 44 vehicle, not quotes — your actual price depends heavily on postcode, mileage, occupation, no-claims bonus and claims history. Younger drivers pay the most because insurers price in higher accident risk on top of an already expensive car.
| Driver age band | Indicative annual comprehensive premium (group 44, 2026) |
|---|---|
| 17–24 | £3,800–£7,000+ |
| 25–34 | £2,000–£3,200 |
| 35–64 | £1,600–£2,500 |
| 65+ | £1,800–£2,900 |
Sources: indicative ranges compiled by Car Insurance Expert from published market data including Confused.com premium indices and insurer group-rating guidance (ABI / Thatcham Research). Figures are illustrative for a group 44 vehicle and are not quotes; individual premiums vary widely.Reviewed by the BestBuilders editorial team on July 2026.
For context, market guides report an average comprehensive premium of around £2,400 a year for group 44 cars across all drivers — roughly four times the overall UK average. See how this compares across every band in our UK car insurance cost index.
Cars often rated around group 44
Insurance groups vary by exact trim, engine and model year, so the same nameplate can span several groups. The cars below are examples often rated around group 44 in specific high-performance or high-spec variants — always check your own car’s registration to confirm its group.
- Audi RS5 Quattro (4.2 V8 coupe) — a high-output performance coupe with a powerful engine and expensive parts.
- Audi A8 Quattro (3.7 saloon variants) — a large luxury saloon with high value and costly repairs.
- BMW 550i M Sport (4.4 V8 saloon) — a fast executive saloon with a big engine and premium components.
- BMW M3 Cabriolet (4.0 V8 convertible) — a genuine performance convertible with high repair and replacement costs.
- BMW X5 xDrive30d (3.0 diesel SUV) — a heavy, high-value performance SUV in certain specifications.
- Honda S2000 GT (2.0 convertible) — a high-revving sports roadster whose performance and specialist parts lift its group.
Cars like these share the traits that push a vehicle into group 44: strong performance, high value and parts that are expensive to source and fit. Browse the full 1–50 range on our all insurance groups page, or look up your model on our insurance by vehicle guides.
How to pay less in group 44
You can’t change your car’s group without changing car, but you can cut the premium in other ways:
- Compare widely and early. Quotes for expensive cars vary hugely between insurers — renew about three weeks before your policy ends for the best price.
- Build and protect your no-claims bonus. On a group 44 car, each year of no-claims discount is worth more in cash terms than on a cheap car.
- Increase your voluntary excess if you can afford the higher out-of-pocket cost in a claim.
- Improve security. A Thatcham-approved tracker or alarm and off-street parking in a garage can reduce the risk insurers price for.
- Consider a telematics or mileage-based policy if you drive relatively few miles — useful for a second or weekend performance car.
- Pay annually rather than monthly to avoid interest charges, which are larger on a high premium.
Group 44 insurance: common questions
Sources & review
- Association of British Insurers (ABI) — car insurance group rating system
- Thatcham Research — Group Rating Panel methodology
- Confused.com — car insurance price index and group checker
Reviewed by the Car Insurance Expert editorial team.
Last updated: 2026-07-06
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