Insurance groups 41 to 45 explained
Very high groups on the UK's 1 to 50 scale, where 1 is the cheapest to insure. They hold sports cars and luxury models, and each group is explained below.
What each group from 41 to 45 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 41
Group 41 sits about 82% of the way up the scale, with 40 groups cheaper and 9 dearer. A 41E car scored as group 42 and was cut to 41 for above-standard security. A 41D car scored as group 40 and was raised to 41 because its security falls short. A 41A car's security met the requirement, so its group was not adjusted, and 41P means the group is provisional, set before full rating data was available at launch.
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Insurance group 42
Group 42 sits about 84% of the way up the scale, with 41 groups cheaper and 8 dearer. A 42E car scored as group 43 and was cut to 42 for above-standard security. A 42D car scored as group 41 and was raised to 42 because its security falls short. A 42A car's security met the requirement, so its group was not adjusted, and 42P means the group is provisional, set before full rating data was available at launch.
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Insurance group 43
Group 43 sits about 86% of the way up the scale, with 42 groups cheaper and 7 dearer. A 43E car scored as group 44 and was cut to 43 for above-standard security. A 43D car scored as group 42 and was raised to 43 because its security falls short. A 43A car's security met the requirement, so its group was not adjusted, and 43P means the group is provisional, set before full rating data was available at launch.
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Insurance group 44
Group 44 sits about 88% of the way up the scale, with 43 groups cheaper and 6 dearer. A 44E car scored as group 45 and was cut to 44 for above-standard security. A 44D car scored as group 43 and was raised to 44 because its security falls short. A 44A car's security met the requirement, so its group was not adjusted, and 44P means the group is provisional, set before full rating data was available at launch.
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Insurance group 45
Group 45 sits about 90% of the way up the scale, with 44 groups cheaper and 5 dearer. A 45E car scored as group 46 and was cut to 45 for above-standard security. A 45D car scored as group 44 and was raised to 45 because its security falls short. A 45A car's security met the requirement, so its group was not adjusted, and 45P 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 41 to 45
Which cars are in insurance groups 41 to 45?
- Porsche Cayman
- Jaguar F-Type
- Ford Mustang
- Land Rover Defender
Groups 41 to 45 cover genuinely quick, expensive cars. High values, high repair bills and high performance stack the rating up. Each engine, trim and security combination is rated on its own, so one model can span many groups.
For a new driver
Are groups 41 to 45 good for a new driver?
Groups 41 to 45 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 41 to 45?
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 41 to 45: common questions
Are insurance groups 41 to 45 high or low?
Groups 41 to 45 are very high on the 1 to 50 scale, where 1 is the cheapest to insure. They broadly cover sports cars and luxury models.
How much is insurance for groups 41 to 45 per month?
About £66 a month for groups 41 to 45, based on the £792 median annual price of policies sold for groups 41 to 50 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 41 to 45?
Versions of the Porsche Cayman, Jaguar F-Type, Ford Mustang and Land Rover Defender are typical of groups 41 to 45. 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.