Car insurance group 40

Find out which cars are placed in insurance group 40 and how much it might cost to insure them.

Posted

Fact checked
Promoted

Get cheap car insurance quotes

Confused.com car insurance logo
  • Save up to £285 on your car insurance*
  • Compare over 100 insurance providers
  • Enjoy Confused.com rewards
Get a quote

What is insurance group 40?

Every vehicle is assigned an insurance group from 1-50 before being made available to buy. Group 1 is the lowest and has the cheapest cars to insure. Group 50 is the highest and has the most expensive cars to insure.

The group that a particular vehicle falls into depends on a variety of factors, such as market value, safety features, cost of repairs and security features.

Cars in group 40 are more likely to be expensive to insure.

However, there are also a number of other factors that insurers take into account, such as your age, driving history and location, so it’s always important to compare policies to find one that works for you.

Car makes and models in insurance group 40

We’ve listed below a number of popular cars in insurance group 40 that are likely to fall on the more expensive side when it comes to the cost of your car insurance.

Insurance groupCar make/modelDetails
40Audi A3 RS3The Audi A3 RS3 is a small luxury family car, powered by a 2.5-litre turbocharged engine.
40Jaguar XF SportbrakeThe Jaguar XF Sportbrake won the 2019 Vincentric Best Value in America™ award in the Luxury Wagon category. It was also awarded a full 5-star safety rating from Euro NCAP.
40BMW X4The BMW X4 is an insanely fast SUV that sports a powerful turbocharged 3.0-litre inline-six capable of accelerating from 0-60 mph in 3.3 seconds.
40Jeep Grand CherokeeThe Jeep Grand Cherokee is a mid-size SUV that can be powered by four different types of engines. It is a strong option for an off-road vehicle with great all-round performance.
40Range Rover Evoque CoupeThis powerful coupe is equipped with a 2.0-litre turbocharged 4-cylinder engine with a 9-speed automatic transmission.
40Lexus RX LThis midsize luxury crossover is powered by a 3.5-litre V6 engine. It also received a full 5-star safety rating from Euro NCAP. Safety features include a Lane Assist System.
40Mercedes A 45 HatchbackThe Mercedes A45 Hatchback makes a statement of having the most powerful turbocharged 4-cylinder engine. It also received a full 5-star safety rating from Euro NCAP.
40Volvo XC90This mid-sized crossover SUV is powered by a turbocharged 2.0-litre 4-cylinder engine. It also received a 5-star safety rating from Euro NCAP.

Cars in insurance group 40 and the average cost by driver’s age

The table below will help you to estimate the price of insuring your vehicle, based on your age.

Make Model / Version Group (1-50) 20yrs 30yrs 40yrs 50yrs Get quote
Audi A3 S3 TFSI 300PS Quattro S Tronic auto 5d 40 £1,781 £1,018 £892 £720 Get Quote
Audi TT S Line (Technology Pack) 45 TFSI 245PS 2d 40 £1,781 £1,018 £892 £720 Get Quote
Audi A4 Vorsprung 45 TFSI 245PS Quattro S Tronic auto 5d 40 £1,781 £1,018 £892 £720 Get Quote
Audi A5 S Line (Comfort and Sound Pack) 40 TFSI 190PS S Tronic auto 2d 40 £1,781 £1,018 £892 £720 Get Quote
Audi A6 50 TFSI e Quattro Sport 4dr S Tronic 4d 40 £1,781 £1,018 £892 £720 Get Quote
Audi A7 Sport (Comfort and Sound Pack) 40 TDI 204PS S Tronic auto 5d 40 £1,781 £1,018 £892 £720 Get Quote
Audi A8 3.0 TDI Executive SE 4d Tip Auto 40 £1,781 £1,018 £892 £720 Get Quote
Audi Q7 3.0 TDI Quattro SE 5d Tip Auto 40 £1,781 £1,018 £892 £720 Get Quote
BMW 2 Series M235i 2d 40 £1,781 £1,018 £892 £720 Get Quote
BMW 3 Series 330d BluePerform xDrive SE (Business Media) 5d Step Auto 40 £1,781 £1,018 £892 £720 Get Quote
BMW Z4 23i sDrive 2d 40 £1,781 £1,018 £892 £720 Get Quote
BMW 4 Series 430d M Sport 5d Auto 40 £1,781 £1,018 £892 £720 Get Quote
BMW 5 Series 520d MHT M Sport Edition 4dr Step Auto 4d 40 £1,781 £1,018 £892 £720 Get Quote
BMW X3 xDrive30d xLine 5d Step Auto 40 £1,781 £1,018 £892 £720 Get Quote
Honda Civic Type R GT 320PS VTEC Turbo 5d 40 £1,781 £1,018 £892 £720 Get Quote
Infiniti Q50 Luxe Hybrid auto 4d 40 £1,781 £1,018 £892 £720 Get Quote
Hyundai Sante Fe Premium SE 2.2 CRDi 200PS 2WD auto 5d 40 £1,781 £1,018 £892 £720 Get Quote
Jaguar XF 2.2d Portfolio 5d Auto 40 £1,781 £1,018 £892 £720 Get Quote
Jaguar E Pace R-Dynamic HSE P300 AWD auto 5d 40 £1,781 £1,018 £892 £720 Get Quote
Jeep Wrangler Sahara 2.0 GME 272hp 4x4 auto Hard Top 4d 40 £1,781 £1,018 £892 £720 Get Quote
Land Rover Defender 110 SE (Third row seats) P300 AWD auto 5d 40 £1,781 £1,018 £892 £720 Get Quote
Range Rover Evoque 1.5 P300e Autobiography Auto 5d 40 £1,781 £1,018 £892 £720 Get Quote
Range Rover Velar R-Dynamic S D275 auto 5d 40 £1,781 £1,018 £892 £720 Get Quote
Lexus GS 450h 3.5 Premier (15-) 4d CVT 40 £1,781 £1,018 £892 £720 Get Quote
Lexus RC 200t 2.0 Premier (ACC/PCS) 2d Auto 40 £1,781 £1,018 £892 £720 Get Quote
Mercedes Benz AMG A 45 S 4Matic+ 8G-DCT auto 5d 40 £1,781 £1,018 £892 £720 Get Quote
Mercedes Benz C class C 200 4Matic AMG Line Premium Plus 9G-Tronic Plus (06/2018 on) 2d 40 £1,781 £1,018 £892 £720 Get Quote
Mercedes Benz E class E 450 4Matic AMG Line Edition 9G-Tronic Plus auto 4d 40 £1,781 £1,018 £892 £720 Get Quote
Mercedes Benz V class V 220 d Sport Long 9G-Tronic Plus auto 4d 40 £1,781 £1,018 £892 £720 Get Quote
Mercedes Benz GLC class GLC 350 d 4Matic SE Executive 9G-Tronic Plus auto 5d 40 £1,781 £1,018 £892 £720 Get Quote
Mini Clubman John Cooper Works (Navigation Plus Pack) Sport Automatic 6d 40 £1,781 £1,018 £892 £720 Get Quote
Porsche Macan S 5d PDK 40 £1,781 £1,018 £892 £720 Get Quote
Porsche Cayenne S 5d PDK 40 £1,781 £1,018 £892 £720 Get Quote
Renault Megane 2.0 T 16V Renaultsport Nav (265bhp) (Cup Chassis)) 3d 40 £1,781 £1,018 £892 £720 Get Quote
Subaru WRX STi 2.5 WRX STi Type UK 4d 40 £1,781 £1,018 £892 £720 Get Quote
Toyota Land Cruiser 2.8 D-4D Icon 7 Seats 5d Auto 40 £1,781 £1,018 £892 £720 Get Quote
Volkswagen Toureg SE 3.0 V6 TDI SCR 286PS 4Motion Tiptronic auto 5d 40 £1,781 £1,018 £892 £720 Get Quote
Volvo S60 T6 SE Lux Premium AWD 4d Geartronic 40 £1,781 £1,018 £892 £720 Get Quote
Volvo V60 T6 (304bhp) SE Premium AWD 5d Geartronic 40 £1,781 £1,018 £892 £720 Get Quote
Volvo S90 R-Design Plus D5 PowerPulse AWD auto 4d 40 £1,781 £1,018 £892 £720 Get Quote
Volvo XC60 R-Design Pro B5 AWD auto 5d 40 £1,781 £1,018 £892 £720 Get Quote
Volvo XC90 Momentum Pro D5 PowerPulse AWD auto 5d 40 £1,781 £1,018 £892 £720 Get Quote
Volvo V90 Inscription D5 AWD auto 5d 40 £1,781 £1,018 £892 £720 Get Quote

Why are cars in group 40 more expensive to insure?

Cars in insurance group 40 are usually characterised by:

  • Expensive to source parts and repairs
  • Market value is on the higher side
  • Larger more powerful engines
  • Longer repair times

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. That’s because larger engines cost more to repair or replace.
  • Driver location. Insurers factor in the likelihood that your car will be stolen or involved in an accident based on your address. If you live in a location where a lot of claims are made, you’ll pay more to insure your car as a result. As an example, a 30-year-old in central London will pay £1,216 for insurance for a Audi A6 50 TFSI e Quattro Sport 4dr S Tronic 4d, while the same 30-year-old in Newcastle may only pay £1,018.
  • Driver age. Your age plays a key role in determining the cost of your insurance premium. Insurers will use previous claims data to determine the likelihood of someone your age making a claim and adjust your premium accordingly. The average 20-year-old driver in London could pay £2,115 for the Toyota Land Cruiser, while the average 40-year-old Londoner will only pay £1,108.

There are several other factors that can also impact the price of your premium.

Here are some of the more notable ones:

  • Your marital status
  • Where you park your car
  • 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 driving 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 great way to reduce the price of your premium. Thankfully, there are a few other things you can do to drive down the cost of your car insurance, and we’ve listed them below:

  • Drive safely. If you make a claim or pick up a driving conviction, your premium will rise substantially.
  • Reduce your annual mileage. You could save money on your insurance by reducing the number of miles you drive in your car.
  • Pay annually. Paying annually means you’ll avoid having to pay interest on your monthly instalments.
  • Install extra safety precautions. The safer you make your car, the lower your premium will fall.
  • Find the best deal every year. When it’s time for renewal, shop around for the best deal using a price comparison website. You’ll usually be able to save a lot by switching insurers every year.

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 independent online research by Consumer Intelligence (March ’20). 51% of car insurance customers could save £285.88.

More guides on Finder

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site