Insurance Group 47: Cost, Cars and Meaning

Group 47 at a glance

Where it sits on the industry's 1 to 50 scale, and what that has meant in real premiums.

Position on the scale	47 of 50 (1 is cheapest to insure)
Broad verdict	Very high
Its neighbourhood	Groups 46–50: the most expensive cars to insure
Median premium, groups 41–50	£791 a year (MoneySuperMarket policies sold, July 2026)
Who sets it	The Group Rating Panel (ABI and Lloyd's members), administered by Thatcham Research. Advisory, so insurers can depart from it.

What kind of cars sit in group 47?

Supercars, super-saloons and flagship luxury cars. Nearly everything here maxes at least one of the rating factors.

Typical residents of groups 46 to 50 include variants of the Audi RS 6, Mercedes-AMG C 63, Range Rover Sport, Porsche 911 and BMW M3.

The word variants matters. Ratings are set for each engine, trim and security combination separately, so the same badge can span several groups.

A car that is cheap to fix and hard to steal earns a lower group than its price tag would suggest, which is how the panel scores every model.

Where group 47 sits on the scale

46 groups are cheaper to insure than group 47, and 3 groups are dearer, so it sits about 94% of the way up.

A single step either side is rarely worth agonising over. Group 46 and group 48 sit in the same part of the market and usually quote within a few pounds of each other. It is the jump between bands that shows up at renewal.

What group 47 costs in practice

The group is only one input into a premium. As a yardstick, the median annual price of comprehensive policies sold through MoneySuperMarket in July 2026 was £428 for groups 1 to 10, rising to £791 for groups 41 to 50.

Cars in groups 41 to 50 came in at £791 a year on the same data.

Treat those as landmarks, not quotes. Your age, postcode, occupation, mileage, excess and claims history each move a premium more than a single group step does, which is why two drivers of the same group-47 car can pay wildly different amounts.

Group 47 with a letter after it

A rating like 47E or 47A is not a different scale. The letter is Thatcham's verdict on the car's security, and two of the letters change the number you see.

47E means security exceeds the standard, so the group was reduced by one (it would otherwise be group 48).
47A means security is acceptable for the group. No adjustment, and the most common suffix.
47D means security fell short, so the group was raised by one (it would otherwise be group 46).
47P marks a provisional rating, set before complete data was available.
47U means security is significantly below standard. Some insurers ask for upgrades before covering the car.

How to check a specific car

The group is an industry rating, not a government record. It is not on the V5C and not on the DVLA file, so no reg check, ours included, can read it back.

Thatcham Research runs the official lookup, the big comparison sites offer free group checkers, and any insurance quote will state it too.

What a vehicle report does tell you is the spec the rating is built from, the engine size, fuel and model details on record, plus the history that matters when any insurer prices the car. Our guide to how insurance groups work covers the system end to end.

Groups either side

One step on the scale rarely moves a premium much; compare the neighbourhood.

Group 44 · Group 45 · Group 46 · Group 47 · Group 48 · Group 49 · Group 50

The full 1 to 50 list, and how the system works

Insurance group 47: common questions

Is insurance group 47 high or low?

Very high. Group 47 sits at position 47 of 50, which puts it at the very top of the scale, among the most expensive cars to insure. Groups 46 to 50 broadly cover the most expensive cars to insure.

How much does group 47 insurance cost?

As a guide, MoneySuperMarket put the median annual price of comprehensive policies sold through it in July 2026 at about £791 for cars in groups 41 to 50. Your own age, postcode, claims record and mileage move the real figure far more than one group step does.

What does 47E or 47D mean?

The letter is Thatcham's security rating. 47E means the car's security is better than the standard expected, so the group was reduced by one from 48 to 47. 47D means it fell short, so the group was raised by one from 46 to 47. 47A means the security simply matches the group.

Which cars are in insurance group 47?

Groups 46 to 50 are typically the most expensive cars to insure: think variants of the Audi RS 6, Mercedes-AMG C 63, Range Rover Sport, Porsche 911. Ratings are set per variant, so one model can span several groups depending on engine, trim and security kit. Always check the exact car.

Where does group 47 sit on the 1 to 50 scale?

46 groups are cheaper to insure than group 47, and 3 groups are dearer, so it sits about 94% of the way up. A single step either side rarely changes a premium much. The distance between bands is what shows up at renewal.

Figures last checked against the official source on 2 September 2026. Check the source yourself.

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Insurance group 47 explained