Insurance Groups · Updated August 2026

Car Insurance Groups 41–50

Groups 41–50 are the most expensive tier on the scale. This page explains what sits in the band and why, and links to each group's own page — every one lists example cars in that group and what they typically cost to insure, by driver age, from named published sources.

Browse groups 41–50 Check your car's group

41–50

This band, of the 50-group Thatcham scale

1–50

Full group range set by the Group Rating Panel

VRR 1–99

Successor rating for cars registered from Aug 2024

Direct answer

What sits in groups 41–50 — and why

High-performance, prestige and luxury cars fill the top groups: the highest purchase prices, the most powerful engines, the costliest parts and repair processes, and the strongest theft appeal on the road. Group 50 is the ceiling of the scale — insurers reserve it for the cars that cost the most to put right.

Placement is not guesswork: the Group Rating Panel — administered by Thatcham Research for the ABI and Lloyd's Market Association — scores every new model on new-car value, parts prices, repair times and costs, performance, and security. Cars registered from August 2024 also carry a Vehicle Risk Rating from 1 to 99 on the same evidence. The group is the panel's summary of how expensive a car is likely to be to put right — which is why it tracks repair economics more closely than badge or size.

Owners in this tier usually need specialist cover — see prestige insurance, supercar cover and agreed value policies.

Group by group

Groups 41–50, page by page

Each page lists example cars in the group and their typical premiums by driver age, with sources named.

Insurance group 41See typical costs →Insurance group 42See typical costs →Insurance group 43See typical costs →Insurance group 44See typical costs →Insurance group 45See typical costs →Insurance group 46See typical costs →Insurance group 47See typical costs →Insurance group 48See typical costs →Insurance group 49See typical costs →Insurance group 50See typical costs →

FAQ

Groups 41–50 — common questions

What cars are in insurance groups 41 to 50?

Who decides which insurance group a car is in?

The Group Rating Panel, administered by Thatcham Research on behalf of the Association of British Insurers and Lloyd's Market Association. The panel assesses new models against standard criteria — new-car value, parts prices, repair times and costs, performance, and security — and assigns a group from 1 to 50. Insurers are free to depart from the recommendation, but in practice most use it as the starting point for pricing.

Does a lower group always mean cheaper insurance?

All else being equal, yes — but the driver usually matters more than the car. Age, postcode, claims history and no-claims discount move a premium far more than a few group points. A low-group car is the right lever for a young or new driver, while an experienced driver with a long no-claims history will see much smaller differences between neighbouring groups. Each group page in this band shows what its example cars typically cost across driver profiles.

What is the Vehicle Risk Rating (VRR)?

The successor system to the 1–50 groups for cars first registered from August 2024: a score from 1 to 99 across five areas — performance, damageability, repairability, safety and security. Both systems will run alongside each other for years, because the existing car parc keeps its 1–50 ratings. Where a newer car carries a VRR, its page notes it.

How do I find my car's insurance group?

Use our insurance group checker, or go straight to the group page listed below if you already know the number — each one lists example cars in that group and what they typically cost to insure.

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