Car insurance group 46

Find out the list of cars available in insurance group 46 and the average cost of insurance based on the model version, the driver's age and their location.

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What is insurance group 46?

Every car available to buy is given an insurance group. These groups were created to help insurers work out how much to charge to insure particular cars. Groups are rated from 1-50, with 1 having the cheapest cars to insure and 50 having the most expensive to insure.

So, as you can expect, cars in group 46 are among the most expensive to insure. Cars in this group tend to have a high market value, a large powerful engine and parts that are difficult to repair or replace.

Insurers will also consider a range of your personal factors when assessing how much to charge you on car insurance. These include your age, driving history and location.

In this guide, we will explore the factors used to place cars in insurance group 46, plus other considerations made by insurers when offering you a car insurance quote.

Car makes and models in insurance group 46

We’ve listed some popular cars in insurance group 46 below. These are all likely to fall on the more expensive side when it comes to car insurance premiums.

Insurance groupCar make/modelDetails
46Alfa Romeo GiuliaThis vehicle won the 2020 Performance Car Of The Year award from WhatCar? Its safety features include pedestrian detection and automatic city braking technology.
46Alpine A110 CoupeThe Alpine A110 is a remarkable, slick and fast coupe that is powered by a 1.8-litre turbocharged engine.
46Audi A7 SportbackWinner of the 2019 World Luxury Car at the World Car Awards, it can either be equipped with a powerful 2-litre 4-cylinder or a 3-litre V6.
46BMW X5 4×4The BMW X5 is a 4-door, mid-size luxury SUV that received a full 5-star safety rating from Euro NCAP.
46Jaguar F-TypeThe Jaguar F-Type is a wild sports car, which can be powered by three different types of engine, capable of going 0-60 mph in just 3.5 seconds.
46Range Rover Velar SUVThis SUV can be powered by four different types of engines. It also received a full 5-star rating from Euro NCAP.
46Lotus EliseWinning the Readers’ Champion Award at the Autocar Awards 2019, the Lotus Elise is a head-turning sports car that delivers a beautiful driving experience.
46Porsche 911 CoupeThis iconic sports car can be powered by four different types of powerful engine with a max speed of 330 km/h.

Cars in group 46 and the average cost of insurance by driver’s age

Using the table below, you can look for the make and model of your 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
Alfa Romeo Giulia Quadrifoglio 2.9 V6 Bi-Turbo 510hp auto 4d 46 £1,946 £1,129 £989 £799 Get Quote
Alpine A110 S auto 2d 46 £1,946 £1,129 £989 £799 Get Quote
Audi A3 RS 3 2.5 TFSI 400PS Quattro S Tronic auto 4d 46 £1,946 £1,129 £989 £799 Get Quote
Audi A4 RS 4 450PS Tiptronic Quattro auto 5d 46 £1,946 £1,129 £989 £799 Get Quote
Audi A5 S5 Edition 1 (Comfort and Sound Pack) TDI 347PS Tiptronic auto 2d 46 £1,946 £1,129 £989 £799 Get Quote
Audi A6 S6 Vorsprung TDI 349PS Quattro Tiptronic auto 4d 46 £1,946 £1,129 £989 £799 Get Quote
Audi A7 45 TFSI 265 Quattro Black Ed S Tronic [C+S] 5d 46 £1,946 £1,129 £989 £799 Get Quote
Audi A8 3.0 TDI Quattro SE Executive 4d Tip Auto 46 £1,946 £1,129 £989 £799 Get Quote
Audi TT RS Roadster 2.5 TFSI 400PS Quattro S Tronic auto 2d 46 £1,946 £1,129 £989 £799 Get Quote
Audi Q7 Vorsprung 3.0 TDI 272PS Quattro Tiptronic auto 5d 46 £1,946 £1,129 £989 £799 Get Quote
BMW 2 Series M240i (07/17 on) 2d 46 £1,946 £1,129 £989 £799 Get Quote
BMW 5 Series M550i xDrive 4dr Auto 4d 46 £1,946 £1,129 £989 £799 Get Quote
BMW 7 Series 730d 4d Auto 46 £1,946 £1,129 £989 £799 Get Quote
BMW X3 M Competition (Ultimate Package) M Steptronic auto 5d 46 £1,946 £1,129 £989 £799 Get Quote
BMW X4 M Competition (Ultimate Package) M Steptronic auto 5d 46 £1,946 £1,129 £989 £799 Get Quote
BMW X5 xDrive30d MHT xLine Auto 5d 46 £1,946 £1,129 £989 £799 Get Quote
BMW X6 xDrive50i SE 5d Step Auto 46 £1,946 £1,129 £989 £799 Get Quote
Ford Mustang 5.0 V8 GT (Custom Pack) 2d 46 £1,946 £1,129 £989 £799 Get Quote
Infiniti M 3.0d 4d Auto 46 £1,946 £1,129 £989 £799 Get Quote
Jaguar XF 5.0 V8 Supercharged XFR (2011) 4d Auto 46 £1,946 £1,129 £989 £799 Get Quote
Jaguar F Pace R-Dynamic 3.0 V6 Supercharged 340PS (03/17 on) 2d 46 £1,946 £1,129 £989 £799 Get Quote
Range Rover 3.0 TDV6 Vogue SE 4d Auto 46 £1,946 £1,129 £989 £799 Get Quote
Range Rover Evoque HSE D300 auto 4d 46 £1,946 £1,129 £989 £799 Get Quote
Lexus LS 460 4.6 V8 4d Auto 46 £1,946 £1,129 £989 £799 Get Quote
Lexus RC F Carbon (Track Pack) auto 2d 46 £1,946 £1,129 £989 £799 Get Quote
Lotus Elise 1.8 Elise R 2d 46 £1,946 £1,129 £989 £799 Get Quote
Lotus Exige 2d 46 £1,946 £1,129 £989 £799 Get Quote
Mercedes Benz C class C 63 AMG Speedshift MCT auto (09/2018 on) 4d 46 £1,946 £1,129 £989 £799 Get Quote
Mercedes Benz E class E300de AMG Line 4dr 9G-Tronic 4d 46 £1,946 £1,129 £989 £799 Get Quote
Mercedes Benz S Class S350d L SE Line (Executive) 4d Auto 46 £1,946 £1,129 £989 £799 Get Quote
Mercedes Benz SLC Class SLC 43 9G-Tronic auto (06/2018 on) 2d 46 £1,946 £1,129 £989 £799 Get Quote
Mercedes Benz CLA Class CLA 45 4Matic AMG Night Edition AMG Speedshift auto 4d 46 £1,946 £1,129 £989 £799 Get Quote
Mercedes Benz GLC Class GLC 63 4Matic Plus AMG Speedshift MCT auto 5d 46 £1,946 £1,129 £989 £799 Get Quote
Mercedes Benz GLE class GLE 350 d 4Matic AMG Line Executive 5 seats 9G-Tronic auto 5d 46 £1,946 £1,129 £989 £799 Get Quote
Nissan 370Z 3.7 V6 3d 46 £1,946 £1,129 £989 £799 Get Quote
Porsche Boxster 3.8 Spyder 2d 46 £1,946 £1,129 £989 £799 Get Quote
Porsche 718 4.0 GTS 2d 46 £1,946 £1,129 £989 £799 Get Quote
Porsche Cayman 3.4 R 2d 46 £1,946 £1,129 £989 £799 Get Quote
Porsche 911 911 (991) Carrera 4 Coupe 2d 46 £1,946 £1,129 £989 £799 Get Quote
Porsche Panamera 3.6 V6 4d 46 £1,946 £1,129 £989 £799 Get Quote
Volkswagen Toureg 4.2 V8 TDI Altitude 5d Tip Auto 46 £1,946 £1,129 £989 £799 Get Quote

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 larger your engine, the more it will cost to repair or replace it, and the more you’re likely to pay for insurance.
  • Driver location. Insurers factor in the likelihood that your car will be stolen or involved in an accident when calculating your insurance, and your location has a big impact on this. As an example, a 30-year-old in central London will pay £1,272 for insurance for a Range Rover Evoque HSE D300 auto 4d, while the same 30-year-old in Newcastle may only pay £1,129.
  • Driver age. Like location, the age of the driver plays a significant role in determining the cost of your insurance premium. The youngest drivers tend to pay a lot more because they are statistically more likely to make a claim. The average 20-year-old driver in London could pay £2,213 for the Lotus Exige 2d, while the average 40-year-old Londoner will only pay £1,169.

There are a lot of other factors that can also impact the price of your premium. These include the following:

  • 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 driving history
  • Your no-claim discount

How can I save on my car insurance premium?

Choosing a car in a lower insurance group will save you a lot of money.

We have listed some more ideas for this below:

  • Drive safely. It may sound obvious but having 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 per year.
  • Pay annually. By paying annually, you often end up with a much cheaper deal because there is no need to pay interest on monthly instalments.
  • Install extra safety precautions. The safer you make your car, the cheaper your premium will be.
  • Shop around. When it’s time for renewal, make sure you compare your options using price comparison websites.

Frequently asked questions

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*51% of consumers could save £283.97 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from August 2020 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.

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