Car insurance group 39

What is insurance group 39?

Every car you see on the road has been assigned an insurance group from 1 to 50. These groups help insurers work out the cost of your car insurance premium.

Car insurance groups range from group 1 (with the cheapest cars to insure) to group 50 (the most expensive). Vehicles in group 39 are therefore among the more expensive cars to insure.

In this article, you’ll learn what factors are used to determine these groups, as well as the circumstances used to determine the cost of your car insurance.

Car makes and models in insurance group 39

Below is a list of the more popular cars in insurance group 39. These are likely to fall on the more expensive side when it comes to your car insurance premium.

Cars in insurance group 39 and the average cost by driver’s age

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

• How we got these rates

  These rates are based on the average cost of cover for cars in the insurance groups shown, for drivers of different ages with a Newcastle (NE1) postcode, which our research suggests represents an average for insurance rates in the UK. Updated: March 2021 (source: Quotezone).

Why are cars in group 39 more expensive to insure?

Cars in insurance group 39 usually have a high market value, a large engine, expensive parts and longer repair times. In some cases, they may also be lacking when it comes to safety and security features.

What other factors affect your 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. The bigger your engine, the more you’re likely to pay for insurance. This is because larger more powerful engines cost more to repair or replace.
• Driver location. Insurers factor in the likelihood of you making a claim based on your address. As an example, a 30-year-old in central London will pay £1,194 for insurance for an Audi TT, while the same 30-year-old in Newcastle may only pay £993.
• Driver age. Insurers will also consider your age when determining the cost of your insurance premium. This is based on the likelihood of someone your age making a claim, based on previous data. The average 20-year-old driver in London could pay £2,077 for the Porsche Macan S Diesel 5d PDK, while the average 40-year-old Londoner will only pay £1,088.

However, there are a lot of other factors that can also impact the price of your premium. These include:

• The model and age of your car
• Your marital status
• Your credit history and job
• Your driving activity and history, including your no-claim discount.

How can I save on my car insurance premium?

Choosing a car in a lower insurance group is a clever way to lower the cost of your car insurance.

Here are some more ways:

• Drive safely. If you make a claim or clock up a driving conviction, this will spike the cost of your car insurance.
• Park your car on a driveway or in a garage. Insurers deem this to be safer than parking it on the street, and will often lower your premium to reflect this.
• Don’t use your car all of the time. If you lower your annual mileage, insurers will deem you to be at a lower risk of making a claim. So, consider if there are any journeys you can make by public transport or walking.
• Pay annually. When you pay annually, you won’t have to pay interest on monthly instalments.
• Install extra safety precautions. The safer you make your car, the cheaper your premium will be.
• Compare your options. Make sure you compare your options every year. Don’t blindly accept your renewal quote. You’ll be surprised how much you could save by switching providers each year.

Frequently asked questions

• Does a lower insurance group mean cheaper car insurance?

  In theory, yes. However, insurers will also consider your personal circumstances.

• Are cars in insurance group 39 good for younger drivers?

  Many younger drivers will find cars in this group too expensive to insure.

• What does Thatcham Research analyse?

  Thatcham Research analyses a number of criteria to calculate a car’s group rating. One of its key tests is a 15km/h crash impact assessment, based on an internationally recognised insurance standard. Following the crash, Thatcham’s engineers work out the cost of the time and parts to return the car to its pre-accident condition. The group rating also takes into account new car values, car performance (including top speed and acceleration time), parts pricing, safety and security features, and the alignment and structure of a car’s bumpers.

• What do the letters mean in insurance groups?

  The letters refer to the security features on the vehicle that are fitted as standard.

• Who decides on the car insurance groups?

  In the UK, The Group Rating Panel, administered by Thatcham Research, assigns new car models to an insurance group from 1 to 50.