Car insurance group 42

Find out the average cost of insurance for a vehicle in insurance group 42 based on the driver's age and their location.

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What is insurance group 42?

Every car you see on the road has been assigned an insurance group from 1 (the cheapest to insure) to 50 (the most expensive to insure). As such, cars in insurance group 42 are among the more expensive cars to insure.

The group that a particular model falls into depends on various factors, including market value, security features, cost of repairs and safety features.

On top of that, there are also other personal 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.

Below, we’ll learn more about the factors that insurers use to price your car insurance.

Car makes and models in insurance group 42

There are a number of popular cars in insurance group 42 that are likely to fall on the expensive side when it comes to your car insurance premiums.

Insurance groupCar make/modelDetails
42Audi A5 SportbackThe Audi A5 Sportback is a handsome car that runs smoothly and comfortably on its 2-litre 4-cylinder motor. Safety features include knee airbags and stability control.
42BMW 4 Series ConvertibleThe BMW 4 Series offers a neat and slick style of handling. It can either be powered by a 2-litre 4-cylinder engine or a 3-litre 6-cylinder engine.
42Infiniti Q50The Infiniti Q50 is a classy, mid-size rear-drive saloon that is powered by a 3-litre V6 engine. It also scored a full 5-star safety rating from Euro NCAP.
42Land Rover Defender 90This sleek and sturdy Land Rover is known for its legendary off-road capabilities. It can be powered by its standard turbocharged four-cylinder engine or an alternative turbo inline-six-cylinder with a hybrid-assist feature.
42Lexus RX LThe Lexus RX L is powered by a 3.5-litre V6 engine. It also received a full 5-star safety rating from Euro NCAP. Its safety features include a lane assist system.
42Mercedes E-Class SaloonWinning the “Most Recommended Car” at the 2019 Auto Trader Awards, this classy saloon can be powered by three different types of engines. It also received a full 5-star safety rating from Euro NCAP.
42Porsche 718 Cayman CoupeThe Porsche 718 Cayman is a fast and super-affordable coupe that rocks a smooth and easy drive. It also features a good range of personalisation options.
42Volvo XC90The Volvo XC90 is a mid-sized crossover SUV that is powered by a turbocharged 2-litre 4-cylinder engine. It also received a full 5-star safety rating from Euro NCAP. Safety features including a lane assist system.

Cars in insurance group 42 and the average cost by driver’s age

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

Make Model / Version Group (1-50) 20yrs 30yrs 40yrs 50yrs Get quote
Audi A3 S3 S3 Cabriolet TFSI Quattro 2d S Tronic 42 £17,058 £2,161 £1,660 £1,408 Get Quote
Audi TT Black Edition (Technology Pack) 2.0 TFSI 230PS Quattro S Tronic auto 2d 42 £17,058 £2,161 £1,660 £1,408 Get Quote
Audi A4 S4 (Comfort and Sound Pack) TDI 347PS Quattro Tiptronic auto 4d 42 £17,058 £2,161 £1,660 £1,408 Get Quote
Audi A5 40 TDI 204 Quattro Vorsprung S Tronic 5d 42 £17,058 £2,161 £1,660 £1,408 Get Quote
Audi A6 3.0 TDI (272bhp) Quattro S Line 4d S Tronic 42 £17,058 £2,161 £1,660 £1,408 Get Quote
Audi A7 40 TDI 204PS S Tronic auto 5d 42 £17,058 £2,161 £1,660 £1,408 Get Quote
Audi A8 2.0 TFSI Hybrid 4d Tip Auto 42 £17,058 £2,161 £1,660 £1,408 Get Quote
Audi Q3 RS Q3 TFSI Quattro Vorsprung S Tronic 5d 42 £17,058 £2,161 £1,660 £1,408 Get Quote
Audi Q5 45 TFSI Quattro Vorsprung S Tronic 5d 42 £17,058 £2,161 £1,660 £1,408 Get Quote
Audi Q7 Sport (Comfort and Sound Pack) 45 TDI 231PS Quattro Tip auto (09/19-) 5d 42 £17,058 £2,161 £1,660 £1,408 Get Quote
BMW 1 Series M 2d 42 £17,058 £2,161 £1,660 £1,408 Get Quote
BMW 2 Series M240i (Navigation) 2d 42 £17,058 £2,161 £1,660 £1,408 Get Quote
BMW 3 Series M340d xDrive Sport Automatic 4d 42 £17,058 £2,161 £1,660 £1,408 Get Quote
BMW Z4 30i sDrive 2d 42 £17,058 £2,161 £1,660 £1,408 Get Quote
BMW 4 Series 435d xDrive Luxury (Professional Media) 2d Auto 42 £17,058 £2,161 £1,660 £1,408 Get Quote
BMW 5 Series 530e SE 4dr Auto 4d 42 £17,058 £2,161 £1,660 £1,408 Get Quote
BMW X4 M Sport Auto 5d 42 £17,058 £2,161 £1,660 £1,408 Get Quote
BMW X5 xDrive30d SE 5d Auto 42 £17,058 £2,161 £1,660 £1,408 Get Quote
BMW X6 xDrive30d M Sport 5d Step Auto 42 £17,058 £2,161 £1,660 £1,408 Get Quote
Ford Mustang 2.3 EcoBoost 270 2d 42 £17,058 £2,161 £1,660 £1,408 Get Quote
Jaguar XF 3.0d V6 S 4d Auto 42 £17,058 £2,161 £1,660 £1,408 Get Quote
Jaguar F Pace 3.0d V6 S AWD 5d Auto 42 £17,058 £2,161 £1,660 £1,408 Get Quote
Jeep Cherokee 2.2 MultiJet II 200hp 75th Anniversary 4WD Active Drive I auto 5d 42 £17,058 £2,161 £1,660 £1,408 Get Quote
Land Rover Defender 110 HSE (Front jump seat) P300 AWD auto 5d 42 £17,058 £2,161 £1,660 £1,408 Get Quote
Land Rover Discovery 3.0 SD6 SE Auto 5d 42 £17,058 £2,161 £1,660 £1,408 Get Quote
Range Rover Evoque HSE Dynamic 2.0 Si4 (290hp) auto 5d 42 £17,058 £2,161 £1,660 £1,408 Get Quote
Range Rover Velar R-Dynamic D300 auto 5d 42 £17,058 £2,161 £1,660 £1,408 Get Quote
Lexus GS 450h 3.5 Luxury (Multimedia) 4d CVT 42 £17,058 £2,161 £1,660 £1,408 Get Quote
Lexus RX 450h Sport auto 5d 42 £17,058 £2,161 £1,660 £1,408 Get Quote
Mercedes Benz C class C 220 d AMG Line 9G-Tronic Plus (06/2018 on) 2d 42 £17,058 £2,161 £1,660 £1,408 Get Quote
Mercedes Benz E class E 350 d AMG Line Edition Premium 9G-Tronic Plus auto 4d 42 £17,058 £2,161 £1,660 £1,408 Get Quote
Mercedes Benz V class V 300 d Sport 9G-Tronic Plus auto 5d 42 £17,058 £2,161 £1,660 £1,408 Get Quote
Mercedes Benz GLA class GLA 35 4Matic Premium Plus Auto 5d 42 £17,058 £2,161 £1,660 £1,408 Get Quote
Polestar 2 300 kW AWD (Pilot package and Plus package) auto 5d 42 £17,058 £2,161 £1,660 £1,408 Get Quote
Porsche Boxster 2.7 2d 42 £17,058 £2,161 £1,660 £1,408 Get Quote
Porsche Cayman 3.4 GTS 2d 42 £17,058 £2,161 £1,660 £1,408 Get Quote
Toyota Land Cruiser 2.8 D-4D Active 7 Seats (Leather/Nav) 5d Auto 42 £17,058 £2,161 £1,660 £1,408 Get Quote
Volkswagen Toureg 3.0 V6 TDI BlueMtn Tech (262bhp) Response 5d Tip Auto 42 £17,058 £2,161 £1,660 £1,408 Get Quote
Volvo V60 D6 (220bhp) Twin Eng SE Lux Nav AWD 5d Geartronic 42 £17,058 £2,161 £1,660 £1,408 Get Quote
Volvo XC60 T8 Twin Engine AWD auto 5d 42 £17,058 £2,161 £1,660 £1,408 Get Quote
Volvo XC90 T6 AWD auto (10/2017 on) 5d 42 £17,058 £2,161 £1,660 £1,408 Get Quote
Volvo V90 Inscription Recharge T6 Plug-in hybrid AWD auto 5d 42 £17,058 £2,161 £1,660 £1,408 Get Quote
Lexus RX SUV 350h 2.5 5dr E-CVT 42 £17,058 £2,161 £1,660 £1,408 Get Quote

Insurance group 42 categories

  • 42E: Surpasses the security requirements for this type of car, leading to a lower insurance group rating.
  • 42A: Meets the standard security requirements for this type of car.
  • 42D: Falls short of security requirements for this type of car, resulting in a higher insurance group rating.
  • 42U: Security standard is unacceptable. The insurer might require upgraded aftermarket security before providing coverage.
  • 42P: Provisional status. Insufficient data is available at launch for classification. This will likely be updated once Thatcham can evaluate the new car.
  • 42G: Grey import. Thatcham tests only officially sold UK cars, so imports are evaluated based on the insurer’s pricing.

Average insurance group 42e cost

To provide you with an idea of how much it may cost you to insure your insurance group 42 car, we ran several quotes to find an average figure. Based on our results, on average, you could insure your car with a comprehensive policy for the monthly price of £210.86, or an annual sum of £2,161.

Why are cars in group 42 more expensive?

Cars in insurance group 42 are usually expensive to insure because they have the following:

  • Expensive market value
  • Expensive parts and repairs
  • Large powerful engine
  • Long 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. Larger engines cost more to repair and replace, so the bigger your engine, the more you’re likely to pay for insurance.
  • Driver location. Insurers factor in the likelihood of you making a claim based on your address. They use the data from previous claims to calculate this. As an example, a 30-year-old in central London will pay £9,542 for insurance for a Ford Mustang 2.3 EcoBoost 270 2d, while the same 30-year-old in Newcastle may only pay £2,161.
  • Driver age. Your age plays a huge role in determining the cost of your insurance premium. The youngest drivers tend to pay a lot more because they are statistically far more likely to make a claim. The average 20-year-old driver in London could pay £31,201 for the Lexus RX 450h Sport auto 5d, while the average 40-year-old Londoner will only pay £7,922.

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

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

How can I save on my car insurance premiums?

Choosing a car in a lower insurance group will save you a lot of money. Here are some more ideas to help you reduce your premiums.

  • Drive safely. It may sound obvious but previous claims or driving convictions will send your premium skyrocketing upwards.
  • Reduce your annual mileage. The lower your annual mileage, the less of a risk you are deemed to be, and insurers will often lower your premium to reflect this. So, opt for public transport or walking whenever you can. It could dramatically reduce your car insurance costs as well as how much you spend on fuel.
  • Pay annually. Some insurers charge interest if you decide to pay your car insurance in monthly instalments. So, pay annually to avoid those extra charges.
  • Install extra safety precautions. By investing in extra safety features, your vehicle will be more secure and less of a risk to insure. These features will ultimately pay for themselves due to the savings you’ll make on your car insurance.
  • Shop around. When it’s time to renew your policy, make sure to see what offers are available from other insurers. You’ll be surprised at how much you could save by switching.

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. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (Mar ’24). 51% of car insurance customers could save £539.54

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