Insurance groups 46 to 50 explained
Very high groups on the UK's 1 to 50 scale, where 1 is the cheapest to insure. They hold the most expensive cars to insure, and each group is explained below.
What each group from 46 to 50 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 46
Group 46 sits about 92% of the way up the scale, with 45 groups cheaper and 4 dearer. A 46E car scored as group 47 and was cut to 46 for above-standard security. A 46D car scored as group 45 and was raised to 46 because its security falls short. A 46A car's security met the requirement, so its group was not adjusted, and 46P means the group is provisional, set before full rating data was available at launch.
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Insurance group 47
Group 47 sits about 94% of the way up the scale, with 46 groups cheaper and 3 dearer. A 47E car scored as group 48 and was cut to 47 for above-standard security. A 47D car scored as group 46 and was raised to 47 because its security falls short. A 47A car's security met the requirement, so its group was not adjusted, and 47P means the group is provisional, set before full rating data was available at launch.
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Insurance group 48
Group 48 sits about 96% of the way up the scale, with 47 groups cheaper and 2 dearer. A 48E car scored as group 49 and was cut to 48 for above-standard security. A 48D car scored as group 47 and was raised to 48 because its security falls short. A 48A car's security met the requirement, so its group was not adjusted, and 48P means the group is provisional, set before full rating data was available at launch.
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Insurance group 49
Group 49 sits about 98% of the way up the scale, with 48 groups cheaper and one dearer. A 49E car scored as group 50 and was cut to 49 for above-standard security. A 49D car scored as group 48 and was raised to 49 because its security falls short. A 49A car's security met the requirement, so its group was not adjusted, and 49P means the group is provisional, set before full rating data was available at launch.
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Insurance group 50
The dearest group on the scale, with 49 cheaper. There shouldn't be a 50E, because an E cuts a group by one and the scale stops at 50. A 50D car scored as group 49 and was raised to 50 because its security falls short. A 50A car's security met the requirement, so its group was not adjusted, and 50P 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 46 to 50
Which cars are in insurance groups 46 to 50?
- Porsche 911
- BMW M3
- Audi RS 6
- Mercedes-AMG C 63
- Range Rover Sport
Groups 46 to 50 hold supercars, super-saloons and flagship luxury cars. Nearly every car here maxes out at least one of the rating factors. Each engine, trim and security combination is rated on its own, so one model can span many groups.
For a new driver
Are groups 46 to 50 good for a new driver?
Groups 46 to 50 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 46 to 50?
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 46 to 50: common questions
Are insurance groups 46 to 50 high or low?
Groups 46 to 50 are very high on the 1 to 50 scale, where 1 is the cheapest to insure. They broadly cover the most expensive cars to insure.
How much is insurance for groups 46 to 50 per month?
About £66 a month for groups 46 to 50, 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 46 to 50?
Versions of the Porsche 911, BMW M3, Audi RS 6, Mercedes-AMG C 63 and Range Rover Sport are typical of groups 46 to 50. 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.