Car Insurance Group 50: Cars & Cost (UK 2026)
A car in insurance group 50 typically costs a mid-range driver roughly £1,600–£2,500+ a year for comprehensive cover in 2026 — the highest of the 1–50 bands, covering fast, high-value performance and luxury cars.
What car insurance group 50 means
UK cars are placed into insurance groups from 1 to 50, where group 1 is the cheapest to insure and group 50 is the most expensive. Group 50 sits at the very top of the scale, in the band reserved for the fastest, most valuable and most costly-to-repair vehicles — think high-performance saloons, large luxury SUVs and sports cars.
Groups are set by Thatcham Research and the Association of British Insurers (ABI), based on five main factors: the cost of parts, the time and cost of repairs, the car's performance (0–60 and top speed), its new and used value, and its security features. A car scores group 50 when several of these push it to the extreme — usually a combination of big power and a high price tag.
Because it is the top band, a group 50 rating adds a meaningful premium loading. As a rough guide, a group 50 car costs roughly three to four times the UK average premium of about £600 for a comparable driver. That said, the group is only one input: your age, postcode, mileage, claims and no-claims history usually move the price far more than the group number alone. Cars registered from August 2024 are also scored on the newer 1–99 Vehicle Risk Rating (VRR) system, which runs alongside the traditional 1–50 groups.
Indicative group 50 premiums by driver age
The table below is an indicative guide to annual comprehensive premiums for a typical group 50 car in 2026. Figures are modelled by scaling published UK average premiums by age up to the group 50 band and are illustrative only — your own quote depends heavily on postcode, mileage, occupation and claims history.
| Driver age band | UK average (all cars) | Indicative group 50 premium |
|---|---|---|
| 17–24 (young / new driver) | ~£1,100–£1,700 | £3,500–£6,000+ |
| 25–34 | ~£830 | £2,200–£3,200 |
| 35–64 (lowest-risk band) | ~£500–£600 | £1,600–£2,500 |
| 65+ | ~£400–£550 | £1,700–£2,600 |
Sources: Confused.com Car Insurance Price Index (2026); Quotezone average premium by age (2026); ABI & Thatcham Research insurance group methodology. Figures are indicative and rounded — not quotes.
Cars often rated around group 50
Insurance groups shift as manufacturers update trims and engines, and different data providers occasionally differ by a group or two. The models below are examples of cars often rated in or around group 50 in 2026 — always check the exact group for your specific trim, engine and model year before you buy.
- Range Rover Sport V8 — large, powerful and expensive-to-repair luxury SUVs regularly land in the top band.
- Mercedes-AMG C63 — high-performance AMG saloons combine big power with premium parts and repair costs.
- Audi RS6 Avant — a fast, high-value performance estate with strong performance and value scores.
- BMW M5 — flagship M-division saloons sit at or near the top of the scale.
- Porsche 911 (higher-output variants) — performance derivatives push toward the upper groups.
- Tesla Model S / high-value performance EVs — high value and specialist repair costs can drive top-band ratings.
To confirm any car's exact rating, use a reg-based insurance group checker or a valuation tool, and compare with our insurance costs by vehicle guides.
How to pay less in group 50
- Compare widely and early. Get quotes 3–4 weeks before renewal and compare specialist and high-value insurers, not just the big aggregators.
- Build and protect your no-claims discount. Several years of no-claims can cut a top-band premium substantially.
- Increase your voluntary excess — sensibly. A higher excess lowers the premium, but keep it to an amount you could actually pay after a claim.
- Add an experienced named driver. A lower-risk second driver can reduce the price (but never "front" a policy — that is fraud).
- Cut your mileage and improve security. Lower annual mileage, a garage, a tracker and an approved alarm can all help on high-value cars.
- Pay annually if you can. Monthly instalments add interest; paying in full avoids it.
- Consider a lower group. If cost is the priority, a car a few groups down can save hundreds — see group 49 and the full groups hub.
Group 50 insurance: common questions
Group 50 is the most expensive of the 1–50 bands. It covers the fastest, most valuable and most costly-to-repair cars, so premiums are typically far above the roughly £600 UK average — often £1,600–£2,500+ a year for a mid-range driver, and much more for young drivers.
Thatcham Research and the ABI set groups using five factors: the cost of parts, repair time and cost, performance (0–60 and top speed), new and used value, and security features. Cars that score high on power and value tend to land in the top groups.
Enter your registration into a reg-based insurance group checker, or look up your exact trim, engine and model year on a valuation or specs site. Groups can differ between trims of the same model, so check your specific variant rather than the range as a whole.
Yes. Choosing a car a few groups lower — for example in the 40s rather than 50 — can save hundreds of pounds a year. A lower-powered version of the same model, or a similar car with cheaper parts, will usually sit in a lower band. Compare across our insurance groups guide.
No. The group is one input among many. Your age, address, annual mileage, occupation, claims history and no-claims discount usually move the premium far more than the group number. A group 50 car with a low-risk, experienced driver can cost less than a lower-group car insured for a new teenage driver.
Cars often rated in or around group 50 include the Range Rover Sport V8, Mercedes-AMG C63, Audi RS6, BMW M5, higher-output Porsche 911 variants and high-value performance EVs such as the Tesla Model S. Exact groups vary by trim and model year, so always check your specific car.
Sources & review
This guide draws on the Association of British Insurers (ABI) and Thatcham Research insurance group methodology, the Confused.com Car Insurance Price Index and Quotezone average-premium-by-age data (2026). Premium figures are indicative and rounded — they are not quotes. See our UK car insurance cost index and browse all insurance groups, including group 49 and the groups hub.
Reviewed by the Car Insurance Expert editorial team.
Last updated: 2026-07-06
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