Car Insurance Group 47: Cars & Cost (UK 2026)
A car in insurance group 47 typically costs a mid-range driver about £1,600–£2,500+ a year for comprehensive cover in 2026 — it is one of the priciest bands, home to performance and luxury cars.
What car insurance group 47 means
Every new car sold in the UK is placed into one of 50 insurance groups by the Group Rating Panel, run by Thatcham Research on behalf of the Association of British Insurers (ABI). Group 1 cars are the cheapest to insure and group 50 the dearest. Group 47 sits near the top of the scale, inside the most expensive band (roughly 41–50), which is dominated by high-performance, luxury and prestige models.
The rating reflects five main factors: the cost of parts, typical repair time, performance (0–62 mph and top speed), the car's new and used value, and how good its security is. A group 47 car scores badly on most of these — expensive parts, powerful engines and high values — so insurers price the risk accordingly. Cars registered from August 2024 are also assessed under the newer Vehicle Risk Rating (VRR) 1–99 scale, but the familiar 1–50 group still applies to the vast majority of cars on UK roads and to most quote engines.
To put group 47 in context, the overall UK average comprehensive premium is around £600 (ABI, 2026). A group 47 car sits far above that — but remember the group is only one ingredient in your price. Your age, postcode, mileage, claims history and job usually move the premium more than the group number alone.
Indicative group 47 premiums by driver age
The table below shows indicative annual comprehensive premiums for a car in group 47. These are illustrative ranges built from published market data, not live quotes — your own price depends heavily on postcode, mileage, no-claims bonus and the exact model.
| Driver age band | Indicative annual premium (group 47) | Notes |
|---|---|---|
| 17–24 | £3,200–£5,500+ | Young drivers pay the most; a black box may be required |
| 25–34 | £2,000–£3,200 | Prices ease as experience builds |
| 35–64 | £1,600–£2,500 | Typical settled band for a clean licence |
| 65+ | £1,800–£3,000 | Premiums edge up again at older ages |
Sources: Thatcham Research and ABI (group rating and average premium data, 2026); Finder.com group 47 sample quotes (~£3,048 average across models); Confused.com Car Insurance Price Index (2026). Figures are indicative ranges for illustration, not quotes.
Cars often rated around group 47
Exact groups vary by trim, engine and model year, and Thatcham updates ratings quarterly, so always check your specific registration. That said, cars often rated around group 47 include:
- Porsche 911 / Panamera — higher-powered variants of Porsche's flagship sports and grand-touring cars.
- BMW 8 Series — large luxury coupes and Gran Coupes with strong performance and premium repair costs.
- Range Rover Sport — high-spec and performance versions of the luxury SUV.
- Audi A7 / Q8 — higher-output derivatives of Audi's executive fastback and coupe-SUV.
- Mercedes-Benz S-Class — the flagship luxury saloon, with costly electronics and parts.
- Lotus Evora / Jaguar F-Pace (high-performance trims) — performance-focused models where power and value push the rating up.
These are representative examples, not a definitive list. To find your own car's group, use a free group checker or our car insurance by vehicle tool, which shows the group and typical cost by make and model.
How to pay less in group 47
- Increase your voluntary excess — a higher excess usually lowers the premium, provided you could still afford to pay it after a claim.
- Add an experienced named driver — a second, low-risk driver can reduce the price (never "front" the policy in their name).
- Pay annually, not monthly — monthly instalments carry interest, often 20–30% APR.
- Improve security — a Thatcham-approved alarm, tracker or immobiliser and garaged overnight parking can help.
- Cut your mileage and tighten job title — accurate, lower annual mileage and a precise occupation can lower risk.
- Shop around at renewal — compare early (around 3 weeks before renewal) and consider a telematics policy if you are a younger driver.
Group 47 car insurance FAQs
Group 47 is expensive. It sits near the top of the 1–50 scale, in the priciest band (roughly 41–50). A mid-range driver typically pays around £1,600–£2,500+ a year for comprehensive cover, well above the ~£600 UK average, because these cars have costly parts and strong performance.
Thatcham Research and the ABI set the group using five factors: the cost of replacement parts, typical repair time, performance (acceleration and top speed), the car's new and used value, and its security features. Higher parts costs, more power and higher value all push the group up.
Enter your registration into a free group checker (such as Thatcham's, Compare the Market's or Quotezone's), or use our car insurance by vehicle tool. The exact group depends on the specific trim, engine and model year, so check your own reg rather than relying on the model name alone.
Yes. Choosing a lower-powered trim of the same model, or a car in the 30s or below, can cut premiums sharply. If you want similar looks with lower running costs, compare adjacent bands such as group 46 or step down further. Our insurance groups guide shows the full 1–50 scale.
No. The group is one factor among many. Your age, postcode, annual mileage, claims and convictions history, occupation, excess and how you pay all affect the premium — often more than the group number itself. Two drivers in the same group 47 car can pay very different prices.
The 1–50 group system still applies to most cars and quote engines. Cars registered from August 2024 are additionally assessed under Thatcham's Vehicle Risk Rating (VRR), a 1–99 scale that adds factors such as ADAS safety tech and cyber security. Both aim to reflect insurance risk; VRR is simply more granular.
Sources & review
- Thatcham Research — Group Rating Panel and Vehicle Risk Rating methodology (2026).
- Association of British Insurers (ABI) — average premium and group rating data (2026).
- Confused.com Car Insurance Price Index (2026).
- Finder.com — car insurance group 47 sample quotes and vehicle list.
Reviewed by the Car Insurance Expert editorial team.
Last updated: 2026-07-06
See also the UK car insurance cost index, the adjacent bands group 46 and group 48, and the full insurance groups guide.
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