Insurance groups 36 to 40 explained
High groups on the UK's 1 to 50 scale, where 1 is the cheapest to insure. They hold performance models and premium electric cars, and each group is explained below.
What each group from 36 to 40 means
The number is the group, and the letter after it records how the car's security affected the rating. E means it beat the requirement and dropped one group. D means it fell short and went up one. A means it met the requirement, and P marks a group that is still provisional.
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Insurance group 36
Group 36 sits about 71% of the way up the scale, with 35 groups cheaper and 14 dearer. A 36E car scored as group 37 and was cut to 36 for above-standard security. A 36D car scored as group 35 and was raised to 36 because its security falls short. A 36A car's security met the requirement, so its group was not adjusted, and 36P means the group is provisional, set before full rating data was available at launch.
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Insurance group 37
Group 37 sits about 73% of the way up the scale, with 36 groups cheaper and 13 dearer. A 37E car scored as group 38 and was cut to 37 for above-standard security. A 37D car scored as group 36 and was raised to 37 because its security falls short. A 37A car's security met the requirement, so its group was not adjusted, and 37P means the group is provisional, set before full rating data was available at launch.
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Insurance group 38
Group 38 sits about 76% of the way up the scale, with 37 groups cheaper and 12 dearer. A 38E car scored as group 39 and was cut to 38 for above-standard security. A 38D car scored as group 37 and was raised to 38 because its security falls short. A 38A car's security met the requirement, so its group was not adjusted, and 38P means the group is provisional, set before full rating data was available at launch.
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Insurance group 39
Group 39 sits about 78% of the way up the scale, with 38 groups cheaper and 11 dearer. A 39E car scored as group 40 and was cut to 39 for above-standard security. A 39D car scored as group 38 and was raised to 39 because its security falls short. A 39A car's security met the requirement, so its group was not adjusted, and 39P means the group is provisional, set before full rating data was available at launch.
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Insurance group 40
Group 40 sits about 80% of the way up the scale, with 39 groups cheaper and 10 dearer. A 40E car scored as group 41 and was cut to 40 for above-standard security. A 40D car scored as group 39 and was raised to 40 because its security falls short. A 40A car's security met the requirement, so its group was not adjusted, and 40P means the group is provisional, set before full rating data was available at launch.
Groups are set by the Group Rating Panel of insurers, with Thatcham Research assessing each car, and the rating is advisory, so insurers can depart from it. In Thatcham's own example, a group 9 car with better-than-required security is listed as 8E, and one whose security falls short is listed as 10D. The full scale lists every letter, and our guide to how insurance groups work covers the system end to end.
Cars rated in groups 36 to 40
Which cars are in insurance groups 36 to 40?
- Audi TT
- BMW Z4
- Tesla Model 3
- Tesla Model Y
- Hyundai Ioniq 5
- Volkswagen ID.7
Groups 36 to 40 hold fast versions of mainstream cars and much of the premium electric market, where speed and expensive technology meet. Each engine, trim and security combination is rated on its own, so one model can span many groups.
For a new driver
Are groups 36 to 40 good for a new driver?
Groups 36 to 40 are rarely a good fit for a new driver. Insurers may quote a new driver a very high premium for a car this high up the scale, or decline.
Our reading of the scale, not an insurer's rule. MoneySuperMarket's band medians cover drivers of every age, and new drivers usually pay well above them.
Finding a car's group
How can I find a specific car's insurance group?
Many insurance quotes state the group, and most manufacturers' UK price lists show it for new cars. Comparison sites and motoring publishers list groups by model and trim, and some look them up by registration using licensed industry data. It is not on the V5C logbook or the DVLA record, so our report does not show it.
Buying a car in groups 36 to 40?
Check its history before you pay
Our report confirms the exact engine, fuel and model the rating hangs on, and every MOT and mileage reading, from £5.
Insurance groups 36 to 40: common questions
Are insurance groups 36 to 40 high or low?
Groups 36 to 40 are high on the 1 to 50 scale, where 1 is the cheapest to insure. They broadly cover performance models and premium electric cars.
How much is insurance for groups 36 to 40 per month?
About £55 a month for groups 36 to 40, based on the £660 median annual price of policies sold for groups 31 to 40 through MoneySuperMarket in July 2026. MoneySuperMarket publishes ten-group bands, so there is no separate figure for each group, and your age, postcode and claims record move the price far more than the group does.
Which cars are in insurance groups 36 to 40?
Versions of the Audi TT, BMW Z4, Tesla Model 3, Tesla Model Y, Hyundai Ioniq 5 and Volkswagen ID.7 are typical of groups 36 to 40. Each engine, trim and security combination is rated on its own, so one model can span several groups.
Is the 1 to 50 insurance group system being replaced?
Yes, for brand-new models. Thatcham Research's Vehicle Risk Rating, launched in September 2024, scores new model ranges from 1 to 99 in five areas, while cars already rated keep their 1 to 50 insurance group.
Figures last checked against the official source on . Check the source yourself.