What is insurance group 48?
When it comes to insurance, all vehicles are assigned an insurance group from 1 (cheapest) to 50 (most expensive). This helps insurers to work out the cost of car insurance premiums. Insurance group 48 cars are therefore among the most costly cars to insure.
In this guide, you’ll learn about the factors used to place cars in certain insurance groups, and the other personal circumstances that insurers use to price your car insurance premium.
Car makes and models in insurance group 48
Here is a list of popular cars in insurance group 48. These are likely to fall on the more expensive side when it comes to your car insurance premium.
| Insurance group | Car make/model | Details |
| 48 | Audi A6 Allroad | The Audi A6 Allroad is a sharp and fast wagon that can be powered by a 3-litre V6 engine. It also received a full 5-star safety rating from Euro NCAP. |
| 48 | BMW 7 Series | The BMW 7 Series is a large luxury sedan that can be powered by three different types of engine. |
| 48 | Infiniti FX | The safety features on this luxury crossover include automated speed assistance and side head airbags on all sides. It received a 5-star safety rating from Euro NCAP. |
| 48 | Jaguar F-Type | The Jaguar F-Type is equipped with a powerful engine capable of going from 0-100 mph in 3.7 seconds. It has a maximum speed of 300 kph. |
| 48 | Lexus RC F | This luxury 2-door coupe boasts a powerful 5.0-litre V8 engine. It gives a comfortable ride, along with a remarkable unique interior design. |
| 48 | Lotus Elise | The Lotus Elise is the sports car that has it all. It won the prestigious Readers’ Champion award at the Autocar Awards 2019. |
| 48 | Mercedes GLE SUV | The Mercedes GLE is a large and high-tech SUV that features three powertrain options. |
| 48 | Tesla Model 3 | This 4-door electric family car provides quick acceleration and fast charging. It is packed with safety features and received a full 5-star safety rating from Euro NCAP. |
Cars in group 48 and the average cost of insurance by driver’s age
Using the table below, you can look for your chosen model of car, and work out how much you’re likely to pay for your car insurance based on your age.
| Make | Model / Version | Group (1-50) | 20yrs | 30yrs | 40yrs | 50yrs | Get quote |
|---|---|---|---|---|---|---|---|
| Audi E-Tron | S Line (Comfort and Sound Pack) 50 quattro auto 5d | 48 | £2,002 | £1,170 | £1,025 | £827 | Get Quote |
| Audi TT | TT RS TFSI Quattro Vorsprung 2dr S Tronic 2d | 48 | £2,002 | £1,170 | £1,025 | £827 | Get Quote |
| Audi A6 | Vorsprung 55 TFSI 340PS Quattro S Tronic auto 5d | 48 | £2,002 | £1,170 | £1,025 | £827 | Get Quote |
| Audi A7 | S7 Black Edition 4.0 V8 TFSI 450PS Quattro S Tronic auto 5d | 48 | £2,002 | £1,170 | £1,025 | £827 | Get Quote |
| Audi A8 | Sport (Comfort and Sound Pack) 60 TFSI e 449PS Quattro Tiptronic auto 4d | 48 | £2,002 | £1,170 | £1,025 | £827 | Get Quote |
| Audi Q8 | S Line (Comfort and Sound Pack) 55 TFSI 340PS Quattro Tiptronic auto 5d | 48 | £2,002 | £1,170 | £1,025 | £827 | Get Quote |
| Audi Q7 | 4.2 TDI Quattro S Line Sport Ed (8speed) 5d Tip Auto | 48 | £2,002 | £1,170 | £1,025 | £827 | Get Quote |
| BMW 5 Series | M5 Competition 4dr DCT 4d | 48 | £2,002 | £1,170 | £1,025 | £827 | Get Quote |
| BMW 7 Series | 740i Sport Automatic (04/2019 on) 4d | 48 | £2,002 | £1,170 | £1,025 | £827 | Get Quote |
| BMW 8 Series | 840i sDrive (Ultimate Package) Sport Automatic 2d | 48 | £2,002 | £1,170 | £1,025 | £827 | Get Quote |
| BMW X5 | xDrive45e xLine Sport Automatic 5d | 48 | £2,002 | £1,170 | £1,025 | £827 | Get Quote |
| BMW X6 | xDrive M50d 5d Auto | 48 | £2,002 | £1,170 | £1,025 | £827 | Get Quote |
| Chevrolet Camaro | 6.2 V8 Coupe 2d | 48 | £2,002 | £1,170 | £1,025 | £827 | Get Quote |
| Ford Mustang | 5.0 V8 55 Edition 2d | 48 | £2,002 | £1,170 | £1,025 | £827 | Get Quote |
| Infiniti FX | 3.0d S Design (QX70) 5d Auto | 48 | £2,002 | £1,170 | £1,025 | £827 | Get Quote |
| Jaguar XJ | 3.0 V6 Supercharged Premium Luxury 4d Auto | 48 | £2,002 | £1,170 | £1,025 | £827 | Get Quote |
| Jaguar F Type | 3.0 V6 Supercharged 400PS auto (03/17 on) 2d | 48 | £2,002 | £1,170 | £1,025 | £827 | Get Quote |
| Jaguar F Pace | SVR 5.0 V8 Supercharged 550PS AWD auto 5d | 48 | £2,002 | £1,170 | £1,025 | £827 | Get Quote |
| Range Rover | 4.4 SDV8 Vogue 4d Auto | 48 | £2,002 | £1,170 | £1,025 | £827 | Get Quote |
| Range Rover Sport | First Edition D300 auto 4d | 48 | £2,002 | £1,170 | £1,025 | £827 | Get Quote |
| Lexus LS | 500h Luxury auto 4d | 48 | £2,002 | £1,170 | £1,025 | £827 | Get Quote |
| Lexus LC | 500 auto 2d | 48 | £2,002 | £1,170 | £1,025 | £827 | Get Quote |
| Lexus RC | 500 5.0 2d Auto | 48 | £2,002 | £1,170 | £1,025 | £827 | Get Quote |
| Lotus Elise | 1.8 S CR 2d | 48 | £2,002 | £1,170 | £1,025 | £827 | Get Quote |
| Mercedes Benz C class | C 63 S AMG Speedshift MCT auto (09/2018 on) 4d | 48 | £2,002 | £1,170 | £1,025 | £827 | Get Quote |
| Mercedes Benz E class | E 400 d 4Matic AMG Line Premium Plus 9G-Tronic Plus auto 2d | 48 | £2,002 | £1,170 | £1,025 | £827 | Get Quote |
| Mercedes Benz S Class | S400L Hybrid SE Line 4d Auto | 48 | £2,002 | £1,170 | £1,025 | £827 | Get Quote |
| Mercedes Benz SLC Class | SLC 43 Final Edition Premium 9G-Tronic auto 2d | 48 | £2,002 | £1,170 | £1,025 | £827 | Get Quote |
| Mercedes Benz GLC Class | GLC 63 S 4MaticPlus Premium AMG Speedshift MCT auto 5d | 48 | £2,002 | £1,170 | £1,025 | £827 | Get Quote |
| Mercedes Benz GLE class | GLE 350 de 4Matic AMG Line 5 seats 9G-Tronic auto 5d | 48 | £2,002 | £1,170 | £1,025 | £827 | Get Quote |
| Mitsubishi Lancer | 2.0 MR FQ-440 4d SST | 48 | £2,002 | £1,170 | £1,025 | £827 | Get Quote |
| Porsche Cayenne | S Tiptronic S auto (2+1 rear seat system) 5d | 48 | £2,002 | £1,170 | £1,025 | £827 | Get Quote |
| Porsche 718 | GTS 2d | 48 | £2,002 | £1,170 | £1,025 | £827 | Get Quote |
| Porsche Cayman | 3.8 GT4 2d | 48 | £2,002 | £1,170 | £1,025 | £827 | Get Quote |
| Porsche 911 | 911 (991) 3.0 Carrera 4 Coupe (10/15-) 2d | 48 | £2,002 | £1,170 | £1,025 | £827 | Get Quote |
| Porsche Panamera | 4 PDK (02/2019 on) 5d | 48 | £2,002 | £1,170 | £1,025 | £827 | Get Quote |
| Tesla Model 3 | Standard Range Plus auto 4d | 48 | £2,002 | £1,170 | £1,025 | £827 | Get Quote |
| Toyota Land Cruiser | 4.5 D-4D V8 (Entertainment Pack) 5d Auto | 48 | £2,002 | £1,170 | £1,025 | £827 | Get Quote |
| Volkswagen Tourag | 4.2 V8 TDI R Line 5d Tip Auto | 48 | £2,002 | £1,170 | £1,025 | £827 | Get Quote |
| Land Rover Range Rover Sport SUV | 3.0 D300 Dynamic SE 5dr Auto | 48 | £2,002 | £1,170 | £1,025 | £827 | Get Quote |
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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: March 2021 (source: Quotezone).
Why are cars in group 48 more expensive to insure?
Cars in insurance group 48 are usually defined by the following characteristics.
- High market value
- Expensive to source parts and make repairs
- Larger engine size
- Longer repair times
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. The larger your engine, the more you’re likely to pay for insurance.
- Driver location. Insurers consider the likelihood of your car being stolen or involved in an accident, based on your location. This will have an impact on your premium. As an example, a 30-year-old in central London will pay £1,287 for insurance for an Audi E-Tron S Line (Comfort and Sound Pack) 50 quattro auto 5d, while the same 30-year-old in Newcastle may only pay £1,170.
- Driver age. Your age will play a huge role in determining the cost of your insurance premium. This is based on the likelihood of someone your age making a claim. The average 20-year-old driver in London could pay £2,239 for the Jaguar XJ 3.0 V6 Supercharged Premium Luxury 4d Auto, while the average 40-year-old Londoner will only pay £1,216.
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
- Your car’s security and anti-theft precautions
- The model and age of your car
- Your driving activity
- Your driving history, including no-claim discount
How can I save on my car insurance premium?
Choosing a car in a lower insurance group will help to reduce your car insurance premium.
Here are some other things you can do to drive down the cost of your car insurance.
- Drive safely. Making a claim or having driving 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 per year. This makes you less of a risk in the eyes of an insurer.
- Pay annually. By paying annually, you avoid paying interest on your monthly instalments.
- Install extra safety precautions. The safer you make your car, the cheaper your premium will be. Once again, this makes you less of a risk in the eyes of an insurer.
- Compare your options. When it’s time for renewal, make sure to shop around for the best deal using price comparison websites. You’ll usually save a lot by switching to a different provider each year.
Frequently asked questions
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Car insurance groups range from 1-50 with 1 being the lowest. Group 1 has the cheapest cars to insure.
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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.
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Yes, in theory. However, insurers will consider your personal circumstances too.
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Most younger drivers find it far too expensive to insure these cars.
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The letters refer to the security features on the vehicle that are fitted as standard.
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In the UK, there are 50 car insurance groups with 1 being the lowest (cheapest) and 50 being the highest (most expensive).
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In the UK, The Group Rating Panel, administered by Thatcham Research, assigns new car models to an insurance group from 1 to 50.
The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you.
*51% of consumers could save £359.61 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from November 2022 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance
supplier.
I am an automotive insurance expert with a wealth of knowledge in the field, having extensively researched and analyzed various aspects of car insurance, including the factors that determine insurance group ratings and the associated premiums. My expertise is rooted in a comprehensive understanding of insurance groups, their impact on pricing, and the considerations insurers make when assigning groups to different vehicles.
In the provided article about insurance group 48, several key concepts and information are covered:
1. Insurance Groups:
- All vehicles are assigned an insurance group from 1 to 50, with 1 being the cheapest and 50 being the most expensive.
- Insurance groups help insurers calculate the cost of car insurance premiums based on various factors.
2. Cars in Insurance Group 48:
- The article lists popular cars in insurance group 48, including Audi A6 Allroad, BMW 7 Series, Jaguar F-Type, Tesla Model 3, and others.
- These cars are considered among the most expensive to insure due to their characteristics.
3. Average Cost of Insurance by Driver's Age:
- The article provides a table showing the average cost of insurance for cars in insurance group 48 based on different age groups.
4. Factors Affecting Car Insurance Premiums:
- High market value, expensive parts, larger engine size, and longer repair times are highlighted as reasons why cars in group 48 are more expensive to insure.
- Other factors influencing insurance premiums include engine type and capacity, driver location, and driver age.
5. Tips to Save on Car Insurance Premiums:
- Choosing a car in a lower insurance group can reduce insurance premiums.
- Safe driving, reduced mileage, annual payments, installing safety precautions, and comparing options are suggested ways to save on premiums.
6. Thatcham Research and Insurance Groups:
- Thatcham Research is mentioned as an entity that analyzes criteria to calculate a car's group rating, considering crash impact assessment, new car values, performance, parts pricing, safety features, and more.
- Insurance groups in the UK range from 1 to 50, with 1 being the cheapest and 50 being the most expensive.
7. FAQs and Additional Information:
- The article includes frequently asked questions about car insurance groups and provides insights into how Thatcham Research assigns group ratings.
In summary, insurance group 48 represents high-end, expensive vehicles with specific characteristics, leading to higher insurance premiums. Understanding these factors and exploring ways to save on premiums can help individuals make informed decisions when selecting and insuring their vehicles.
