Car insurance group 46

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.

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.

• 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: April 2024 (source: Confused).

Insurance group 46 categories

• 46E: Surpasses the security requirements for this type of car, leading to a lower insurance group rating.
• 46A: Meets the standard security requirements for this type of car.
• 46D: Falls short of security requirements for this type of car, resulting in a higher insurance group rating.
• 46U: Security standard is unacceptable. The insurer might require upgraded aftermarket security before providing coverage.
• 46P: Provisional status. Insufficient data is available at launch for classification. This will likely be updated once Thatcham can evaluate the new car.
• 46G: Grey import. Thatcham tests only officially sold UK cars, so imports are evaluated based on the insurer’s pricing.

Average insurance group 46e cost

To provide you with an idea of how much it may cost you to insure your insurance group 46 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 £170.72, or an annual sum of £1,779.

• How we calculated this price

  We generated these quotes using the following assumptions about the vehicle and the driver.

  The vehicle is/has:

  • Insurance group 46 model
  • Factory fitted alarm system
  • Not modified
  • Used for social, domestic and commuting purposes
  • 10,000 mileage per year
  • Parked in a work car park during the day
  • Parked on a driveway at night

  The driver is/has:

  • A 30-year-old, single teacher from London
  • A homeowner
  • Five years no-claims discount
  • No driving or other convictions in the last 5 years

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 £6,220 for insurance for a Range Rover Evoque HSE D300 auto 4d, while the same 30-year-old in Newcastle may only pay £1,779.
• 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 £32,780 for the Lotus Exige 2d, while the average 40-year-old Londoner will only pay £5,226.

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

• What is the lowest insurance group?

  Car insurance group 1 is the lowest and has the cheapest cars 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.

• Does a lower insurance group mean cheaper car insurance?

  In theory, the lower your car insurance group number, the less you will pay for your car insurance. However, insurers will pay attention to other factors that can influence the cost of your car insurance, such as your age, your address, your driving history and other factors related to your personal circumstances.

• Are cars in insurance group 46 good for younger drivers?

  Most younger drivers will find these vehicles far too expensive to insure.

• What do the letters mean in insurance groups?

  The letters refer to the safety features fitted as standard on the vehicle.

• How many car insurance groups are there in the UK?

  In the UK, there are 50 car insurance groups with 1 being the lowest (cheapest) and 50 being the highest (most expensive).

• 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.

Written by

Danny Butler

Publisher

Danny is a publisher at Finder specialising in insurance and investing. He previously worked at the global insurer Aon and has appeared in national media giving advice on insurance. Danny holds a BA in International Business from the University of Plymouth and has undying loyalty to his average-poor football team, Portsmouth FC. See full bio

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