Car insurance group 47

What is insurance group 47?

When it comes to insurance, all vehicles are assigned an insurance group from 1 (cheapest) to 50 (most expensive), and this helps work out the cost of car insurance premiums.

Group 47 vehicles are therefore among the more expensive to insure.

The insurance group a particular model falls into depends on a variety of factors such as vehicle performance, safety features, cost of repairs and security features.

Car makes and models in insurance group 47

Below is a list of the more popular cars in insurance group 47. These are among the most expensive cars to insure.

Cars in insurance group 47 and the average cost by driver’s age

Using the table below, you can search for the make and model of your car, and work out 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 47 categories

• 47E: Surpasses the security requirements for this type of car, leading to a lower insurance group rating.
• 47A: Meets the standard security requirements for this type of car.
• 47D: Falls short of security requirements for this type of car, resulting in a higher insurance group rating.
• 47U: Security standard is unacceptable. The insurer might require upgraded aftermarket security before providing coverage.
• 47P: Provisional status. Insufficient data is available at launch for classification. This will likely be updated once Thatcham can evaluate the new car.
• 47G: Grey import. Thatcham tests only officially sold UK cars, so imports are evaluated based on the insurer’s pricing.

Average insurance group 47e cost

To provide you with an idea of how much it may cost you to insure your insurance group 47 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 £220.86, or an annual sum of £3,048.

• 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 47 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

Why are cars in group 47 more expensive to insure?

Cars in insurance group 47 tend to have:

• A high market value
• Expensive to source parts
• Large powerful engines
• Long and expensive repairs

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 or replace, so you’ll pay more to insure powerful vehicles.
• Driver location. Insurers consider your location when assessing how much to charge you. If you live in an area where a lot of people make claims, you’ll pay more. As an example, a 30-year-old in central London will pay £20,486 for insurance for an Audi A7 40 TDI S Line Exclusive S Tronic 5d, while the same 30-year-old in Newcastle may only pay £3,048.
• Driver age. Insurers will take your age into consideration when offering you a car insurance quote. Younger drivers will tend to pay more, because they are statistically more likely to make a claim. For example, the average 20-year-old driver in London could pay £33,450 for the Nissan 370Z 3.7 V6 GT (Sat Nav) 3d Auto, while the average 40-year-old Londoner will only pay £17,099.

However, 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
• Likelihood of theft
• 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 than group 47 is a great start.

Thankfully, there are a few other things you can do to drive down the cost of your car insurance.

We’ve listed some of them 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 in your car.
• Pay annually. By paying annually, you often end up with a cheaper deal, as you won’t have to pay interest on your monthly instalments.
• Install extra safety precautions. The safer you make your car, the less you’ll pay to insure it.
• 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 groups range from 1-50. 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?

  Yes, in theory. However, there are other factors that can influence the cost of your car insurance, such as your age, your address and your driving history.

• Are cars in insurance group 47 good for younger drivers?

  Not really. Most younger drivers will find it far too costly to insure cars in this group.

• What do the letters mean in insurance groups?

  On a particular vehicle, the insurance group will be listed as a number and a letter. The letters refer to the security features on the vehicle fitted as standard.

• 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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Danny has written 368 Finder guides across topics including:

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