Car insurance group 38

Find out which cars are placed in insurance group 38 and how much it might cost to insure them.

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What is insurance group 38?

Insurance group 38 cars are among the more expensive vehicles to insure.

When it comes to insurance, all vehicles are assigned an insurance group from 1 (cheapest) to 50 (most expensive), and this helps work out the cost of your car insurance premiums. The factors used to determine the group ratings include car safety, security features and the size and power of the engine.

However, there are also a number of other factors that insurers take into account, such as your age, driving history and location.

Car makes and models in insurance group 38

Below are some of the more popular cars in insurance group 38. These are likely to fall on the more expensive side, when it comes to your car insurance premiums.

Insurance groupCar make/modelDetails
38Audi A4 AllroadThe Audi A4 is a classy and large family car powered by a 2-litre gas engine.
38Jaguar E-Pace SUVThis handsome Jaguar E-Pace is a sharp and premium SUV that puts handling up to the next level. It was also crowned the Best Car of 2019 by readers of German magazine Auto Motor und Sport.
38Land Rover Defender 110The Land Rover Defender is a beautiful SUV that won the Most Anticipated Car Award at the 2020 What Car? Awards.
38Mini Countryman SUVThis mini SUV is powered by a 1.5-litre turbocharged 3-cylinder engine. It also received a full 5-star safety rating from Euro NCAP.
38Toyota GR Supra CoupeThis lightning-fast sports car can go from 0-60 mph in just 3.8 seconds. It can either be powered by a 2-litre 4-cylinder engine or a 3-litre 6-cylinder engine.
38Mercedes CLA CoupeThis slick coupe is powered by a 2-litre 4-cylinder engine. It also received a full 5-star safety rating from Euro NCAP.
38Volvo V90This beautiful station wagon is powered by a 2-litre engine. It is packed with safety features and received a full 5-star safety rating from Euro NCAP.
38Volkswagen Touareg SUVThis large SUV is equipped with a silent 3-litre V6 engine. It won the Top Passenger Vehicle award at the German Design Awards 2020.

Cars in insurance group 38 and the average cost by driver’s age

Using the table below, you can estimate how much you’re likely to pay for your car insurance based on your chosen model and your age.

Make Model / Version Group (1-50) 20yrs 30yrs 40yrs 50yrs Get quote
Abarth 595 Esseesse 1.4 Tjet 180hp 70th 2d 38 £1,667 £967 £847 £684 Get Quote
Abarth 695 1.4 TJet 180hp Anniversary 2d 38 £1,667 £967 £847 £684 Get Quote
Audi A1 S1 Competition Nav 2.0 TFSI 231PS Quattro 3d 38 £1,667 £967 £847 £684 Get Quote
Audi TT S Line (Technology Pack) 40 TFSI 197PS S Tronic auto 2d 38 £1,667 £967 £847 £684 Get Quote
Audi A4 40 TFSI 190PS Quattro S Tronic auto 2d 38 £1,667 £967 £847 £684 Get Quote
Audi A5 Vorsprung 35 TDI 163PS S Tronic auto 5d 38 £1,667 £967 £847 £684 Get Quote
Audi A6 3.0 BiTDI Quattro (313bhp) SE 4d Tip Auto 38 £1,667 £967 £847 £684 Get Quote
Audi Q2 SQ2 Black Edition (Technology Pack) TFSI 300PS Quattro S Tronic auto 5d 38 £1,667 £967 £847 £684 Get Quote
Audi Q5 45 TFSI Quattro S Line S Tronic [C+S] 5d 38 £1,667 £967 £847 £684 Get Quote
Audi Q7 3.0 TDI Quattro (240bhp) 5d Tip Auto 38 £1,667 £967 £847 £684 Get Quote
BMW 1 Series M140i Shadow Edition 3d 38 £1,667 £967 £847 £684 Get Quote
BMW 2 Series M235i (Nav) 2d 38 £1,667 £967 £847 £684 Get Quote
BMW Z4 M40i First Edition Sport Automatic 2d 38 £1,667 £967 £847 £684 Get Quote
BMW 4 Series 440i M Sport (Plus Package) Sport Automatic 5d 38 £1,667 £967 £847 £684 Get Quote
BMW 5 Series 520d MHT SE 4dr Step Auto 4d 38 £1,667 £967 £847 £684 Get Quote
DS 3 Ultra Prestige E-Tense auto 5d 38 £1,667 £967 £847 £684 Get Quote
Jaguar XF 3.0 V6 Supercharged S 4d Auto 38 £1,667 £967 £847 £684 Get Quote
Jaguar E Pace First Edition P250 AWD auto 5d 38 £1,667 £967 £847 £684 Get Quote
Jeep Wrangler Sport 2.0 272hp 4x4 Auto8 2d 38 £1,667 £967 £847 £684 Get Quote
Jeep Cherokee 3.0 CRD Limited 5d Auto 38 £1,667 £967 £847 £684 Get Quote
Land Rover Defender 110 HSE (Front jump seat) D240 AWD auto 5d 38 £1,667 £967 £847 £684 Get Quote
Land Rover Discovery HSE Black 2.0 SD4 240hp (5+2 seat) auto 5d 38 £1,667 £967 £847 £684 Get Quote
Range Rover Evoque 2.0 TD4 HSE Dynamic Lux Hatchback 5d 38 £1,667 £967 £847 £684 Get Quote
Range Rover Velar R-Dynamic SE D180 auto 4d 38 £1,667 £967 £847 £684 Get Quote
Lexus IS 300h Takumi E-CVT auto 4d 38 £1,667 £967 £847 £684 Get Quote
Lexus RX 200t 2.0 F-Sport (Nav]) 5d Auto 38 £1,667 £967 £847 £684 Get Quote
Mercedes Benz E class E 300 d AMG Line Edition Premium 9G-Tronic Plus auto 4d 38 £1,667 £967 £847 £684 Get Quote
Mercedes Benz C class C250d Sport Premium 2d Auto 38 £1,667 £967 £847 £684 Get Quote
Mercedes Benz CLA class CLA 250e AMG Line Premium 4dr Tip Auto 4d 38 £1,667 £967 £847 £684 Get Quote
Mercedes Benz V class V 220 d Horizon Sport Long 9G-Tronic Plus auto 4d 38 £1,667 £967 £847 £684 Get Quote
Mercedes Benz GLC class GLC 300 d 4Matic AMG Line Ultimate 9G-Tronic Plus auto 5d 38 £1,667 £967 £847 £684 Get Quote
Mini Countryman John Cooper Works (Navigation Plus Pack) Sport Automatic 5d 38 £1,667 £967 £847 £684 Get Quote
Mitsubishi Shogun 3.2 DI-DC (187bhp) SG4 5d Auto 38 £1,667 £967 £847 £684 Get Quote
Toyota GR A90 Edition 3.0 Petrol Turbo auto 3d 38 £1,667 £967 £847 £684 Get Quote
Toyota Land Cruiser 3.0 D-4D Icon 7 Seats [Off-Road pack] 5d Auto 38 £1,667 £967 £847 £684 Get Quote
Vauxhall Insignia VXR 2.8T V6 4x4 Elite Nav 5d Auto 38 £1,667 £967 £847 £684 Get Quote
Volkswagen Golf GTI GTI Clubsport S 2.0 TSI 310PS 3d 38 £1,667 £967 £847 £684 Get Quote
Volkswagen Tourag SEL 3.0 V6 TDI SCR 231PS 4Motion Tiptronic auto 5d 38 £1,667 £967 £847 £684 Get Quote
Volvo S60 T6 SE Premium AWD 4d Geartronic 38 £1,667 £967 £847 £684 Get Quote
Volvo V60 T6 (304bhp) AWD R DESIGN Lux Nav (06/13-) 5d Geartronic 38 £1,667 £967 £847 £684 Get Quote
Volvo XC60 Inscription B5 AWD auto 5d 38 £1,667 £967 £847 £684 Get Quote
Volvo XC90 2.0 D5 First Edition AWD 5d Geartronic 38 £1,667 £967 £847 £684 Get Quote
Volvo V90 Inscription B5 (P) FWD auto 5d 38 £1,667 £967 £847 £684 Get Quote

Why are cars in group 38 more expensive?

Cars in insurance group 38 usually:

  • Have a high market value
  • Have large, powerful engines
  • Are expensive to repair
  • Have long repair times

In some cases, safety features and security features may be lacking, although this is rare in cars with a high market value in 2020 and beyond.

What other factors affect my car insurance premium?

Along with your car’s insurance group, these three factors have the biggest impact on the cost of your insurance:

  • Engine type and capacity. A larger engine costs more to repair or replace, which is why more powerful cars tend to cost more to insure.
  • Driver location. Insurers use your location when calculating the likelihood that your car will be stolen or involved in an accident. If a lot of people in your city are making a claim, that could count against you. As an example, a 30-year-old in central London will pay £1,168 for insurance for a BMW 2 Series M235i (Nav) 2d, while the same 30-year-old in Newcastle may only pay £967.
  • Driver age. Insurers will also use your age to help them calculate the likelihood of you making a claim. If a lot of people around your age are making a claim, your premium will rise. This counts against the youngest drivers in the UK, particularly. The average 20-year-old driver in London could pay £2,032 for the Mercedes Benz C Class C250d Sport Premium 2d Auto, while the average 40-year-old Londoner will only pay £1,064.

However, there are other factors that can impact the price of your premiums.

  • Your marital status
  • Your credit history and job
  • Your car’s safety rating, security and anti-theft precautions
  • The model and age of your car
  • Your driving activity
  • Your no claims discount

How can I save on my car insurance premiums?

Choosing a car with a lower insurance group is a great way to reduce the price of your premium.

Thankfully, there are more things you can do to drive down the cost of your car insurance, and we’ve listed them below:

  • Drive safely. It may sound obvious but having convictions on your record will make your premium more expensive. Making a claim will send your next year’s premium rocketing too. So, be careful when you’re on the roads.
  • Don’t use your car all of the time. You could save money on your insurance by reducing your annual mileage. So, consider if there are any journeys you can take by public transport or walking.
  • Pay annually. When you pay annually, you avoid having to pay interest on monthly instalments.
  • Install extra safety precautions. The safer you make your car, the cheaper your premium will be. So, it’s worth looking at what safety features you can add to your vehicle.
  • Compare your options. When it’s time for renewal, make sure you shop around. You’ll be surprised at how much you could save by switching providers.

Frequently asked questions

The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you.
*Based on data provided by Consumer Intelligence Ltd, (March '21). 51% of car insurance customers could save £257.97.

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