Car insurance group 45

Find out which cars are available in insurance group 45 and how much it might cost to insure them based on the model version, the driver's age and their location.

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What is insurance group 45?

When it comes to insurance, all vehicles are assigned an insurance group that helps insurers work out the cost of your car insurance premiums.

The groups are numbered from 1 (cheapest) to 50 (most expensive). So, vehicles in group 45 are among the most expensive to insure.

In this guide, we’ll explore the factors used to place a vehicle in an insurance group plus the other circumstances that insurers consider when offering you a car insurance quote.

Car makes and models in insurance group 45

There are a number of popular cars in insurance group 45. The vehicles in the table below will all fall on the more expensive side when it comes to your car insurance premiums.

Insurance groupCar make/modelDetails
45Audi A8 SaloonThe Audi A8 Saloon wears a stylish and luxurious exterior and can either be powered by a 3-litre V6 or a 4-litre V8 engine.
45BMW 4 Series CoupeThe BMW 4 Series is a two-door coupe that offers a sharp and easy drive, and is powered by either a strong 2-litre 4-cylinder engine or a 3-litre 6-cylinder engine.
45Ford Mustang ConvertibleThis stylish sports car can be powered by an excellent ten-speed auto. Its powerful engine is capable of going 0-60mph in just 5.6 seconds.
45Mercedes Benz GLE SUCThis large off-road, five-door SUV is powered by a 2-litre 4-cylinder engine. It also received a full 5-star safety rating from Euro NCAP.
45Lexus RCThis luxury, 2-door coupe boasts a super-strong 5.0-litre V8. It also gives a very comfortable ride along with a remarkable interior design.
45Porsche CayenneThe Porsche Cayenne is a tech-savvy car that drives extremely well and is available with four different types of engines.
45Nissan 370Z CoupeThe Nissan 370Z is a 2-door, old-school type of coupe that is powered by a 3.7-litre V6 engine. The coupe also offers the choice of equipping it with a six-speed manual or a seven-speed automatic.
45Volvo XC90The Volvo XC90 is a mid-sized crossover SUV that is powered by a turbocharged 2.0-litre 4-cylinder engine.

Cars in insurance group 45 and the average cost by driver’s age

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

Make Model / Version Group (1-50) 20yrs 30yrs 40yrs 50yrs Get quote
Audi A4 RS 4 TFSI Quattro S Tronic [Comfort+Sound] 5d 45 £1,918 £1,112 £974 £786 Get Quote
Audi A5 S5 (Comfort and Sound Pack) TDI 347PS Tiptronic auto 5d 45 £1,918 £1,112 £974 £786 Get Quote
Audi A6 Sport (Technology Pack) 50 TDI 286PS Quattro Tiptronic auto 5d 45 £1,918 £1,112 £974 £786 Get Quote
Audi A7 S Line 45 TFSI 245PS S Tronic auto 5d 45 £1,918 £1,112 £974 £786 Get Quote
Audi A8 L (Comfort and Sound Pack) 50 TDI 286PS Quattro Tiptronic auto 4d 45 £1,918 £1,112 £974 £786 Get Quote
Audi TT Vorsprung 45 TFSI 245PS Quattro S Tronic auto 2d 45 £1,918 £1,112 £974 £786 Get Quote
Audi Q5 SQ5 Plus Special Edition 3.0 BiTDI 340PS Quattro Tiptronic auto 5d 45 £1,918 £1,112 £974 £786 Get Quote
Audi Q7 4.2 FSI Quattro SE (09) 5d Tip Auto 45 £1,918 £1,112 £974 £786 Get Quote
BMW 3 Series M3 (Competition Pack) 4d 45 £1,918 £1,112 £974 £786 Get Quote
BMW 4 Series M4 Competition M Heritage Edition (Ultimate Package) M Double Clutch Transmission auto 2d 45 £1,918 £1,112 £974 £786 Get Quote
BMW 5 Series 530d MHT xDrive SE 4dr Auto 4d 45 £1,918 £1,112 £974 £786 Get Quote
BMW 7 Series 725Ld auto 4d 45 £1,918 £1,112 £974 £786 Get Quote
BMW 8 Series 840i sDrive (Ultimate Package) Sport Automatic 2d 45 £1,918 £1,112 £974 £786 Get Quote
BMW X5 xDrive30d MHT xLine Auto [7 Seat] 5d 45 £1,918 £1,112 £974 £786 Get Quote
BMW X6 xDrive40d M Sport 5d Step Auto 45 £1,918 £1,112 £974 £786 Get Quote
Citroen C6 2.7 HDi V6 Lignage 4d Auto 45 £1,918 £1,112 £974 £786 Get Quote
Ford Mustang 5.0 V8 GT 2d 45 £1,918 £1,112 £974 £786 Get Quote
Infiniti M 3.5h GT 4d Auto 45 £1,918 £1,112 £974 £786 Get Quote
Jaguar XF 3.0d V6 S Luxury 4d Auto 45 £1,918 £1,112 £974 £786 Get Quote
Jaguar F Pace 3.0 V6 Supercharged 380PS (03/17 on) 2d 45 £1,918 £1,112 £974 £786 Get Quote
Range Rover 3.0 TDV6 Vogue 4d Auto 45 £1,918 £1,112 £974 £786 Get Quote
Land Rover Discovery 3.0 SDV6 XXV 5d Auto 45 £1,918 £1,112 £974 £786 Get Quote
Range Rover Evoque HSE Dynamic Lux 2.0 SD4 (240hp) auto 2d 45 £1,918 £1,112 £974 £786 Get Quote
Lexus RX 450h L Luxury auto 5d 45 £1,918 £1,112 £974 £786 Get Quote
Lexus RC F auto 2d 45 £1,918 £1,112 £974 £786 Get Quote
Mercdes Benz A Class A45 4Matic Premium 5d Auto 45 £1,918 £1,112 £974 £786 Get Quote
Mercedes Benz C class C 43 4Matic 9G-Tronic Plus auto 2d 45 £1,918 £1,112 £974 £786 Get Quote
Mercedes Benz E class E300de AMG Line Edition 4dr 9G-Tronic 4d 45 £1,918 £1,112 £974 £786 Get Quote
Mercedes Benz S Class S400h L SE Line (Executive) 4d Auto 45 £1,918 £1,112 £974 £786 Get Quote
Mercedes Benz SLC Class SLC 250d AMG Line 2d 9G-Tronic 45 £1,918 £1,112 £974 £786 Get Quote
Mercedes Benz CLA Class CLA 45 (Comand) 4Matic AMG Speedshift DCT auto (06/16 on) 4d 45 £1,918 £1,112 £974 £786 Get Quote
Mercedes Benz GLC Class GLC 300de 4Matic AMG Line Premium 9G-Tronic 5d 45 £1,918 £1,112 £974 £786 Get Quote
Mercedes Benz GLE class GLE 300 d 4Matic AMG Line Executive 5 seats 9G-Tronic auto 5d 45 £1,918 £1,112 £974 £786 Get Quote
Nissan 370Z V6 50th Anniversary 3.7 328PS 3d 45 £1,918 £1,112 £974 £786 Get Quote
Porsche Cayenne 3.0D Diesel (10/14-) 5d Tiptronic S 45 £1,918 £1,112 £974 £786 Get Quote
Porsche Macan Turbo 5d PDK 45 £1,918 £1,112 £974 £786 Get Quote
Volkswagen Toureg 3.0 V6 TSI Hybrid 5d Tip Auto 45 £1,918 £1,112 £974 £786 Get Quote
Volvo XC90 Pro T8 Twin Engine auto 5d 45 £1,918 £1,112 £974 £786 Get Quote

Why are cars in group 44 more expensive?

Cars in insurance group 44 typically have the following:

  • High market values
  • Expensive parts and repairs
  • Large powerful engines
  • Long repair times

What other factors affect your car insurance premium?

Along with your car’s insurance group, these three factors will also have a huge impact on the cost of your insurance:

  • Engine type and capacity. The larger your engine, the more you’re likely to pay for insurance. This is because larger engines cost more to repair and replace.
  • Driver location. Insurers factor in the likelihood of you making a claim based on your address. Your premium will be higher if a lot of people in your area make claims. As an example, a 30-year-old in central London will pay £1,265 for insurance for a BMW 7-Series 725Ld auto 4d, while the same 30-year-old in Newcastle may only pay £1,112.
  • Driver age. Your age also determines the cost of your insurance premium. The youngest drivers will pay more because they are statistically more likely to make a claim. For example, the average 20-year-old driver in London could pay £2,201 for the Ford Mustang 5.0 V8 GT 2d, while the average 40-year-old Londoner will only pay £1,155.

There are many other factors that can impact the price of your premiums.

These include the following:

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

How can I save on my car insurance premiums?

Choosing to drive a car in a lower car insurance group is a great way to lower your car insurance.

On top of that, there are other things you can do to keep your car insurance lower.

  • Drive safely. It may sound obvious but making a claim or having driving convictions on your record will make your premium more expensive.
  • Don’t use your car all of the time. You could save money on your insurance by reducing the number of miles you drive every year. Insurers tend to offer lower premiums to drivers who register a lower annual mileage.
  • Pay annually. By paying annually, you often end up with a much cheaper deal as you won’t have to pay interest on monthly instalments.
  • Install extra safety precautions. The safer you make your car, the less you’ll pay to insure it.
  • Compare providers every year. When it’s time to renew your insurance, make sure you compare your options. You’ll usually be able to save a fair amount 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.
*51% of consumers could save £257.97 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next three cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from January 2021 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.

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