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Performance cars cost more to insure because they're more expensive to repair, more attractive to thieves, and statistically more likely to be involved in claims. But comparing quotes is still the most effective way to find competitive cover for your vehicle.
Specialist components and technology mean repair bills for performance vehicles can be 2–3x higher than standard cars.
High-performance models are among the most stolen vehicles in the UK, with keyless relay theft a growing concern.
Higher speeds, rapid acceleration, and greater power mean performance cars are more likely to generate costly claims.
For a detailed breakdown of costs by vehicle type and driver profile, see our guide to performance car insurance costs. You can also compare all types of car insurance via Brumble.
Every car sold in the UK is assigned to one of 50 insurance groups by Thatcham Research on behalf of the Association of British Insurers. Group 1 is cheapest to insure and group 50 the most expensive. Performance cars typically sit in groups 20 to 50, with premiums rising steeply at the higher end. The table below shows where popular performance and sports cars fall on the scale.
| Car | Type | Insurance Group | Engine | BHP |
|---|---|---|---|---|
| Hot Hatches (Groups 20-34) | ||||
| Volkswagen Golf GTI | Hot Hatch | 29 | 2.0L Turbo | 245 |
| Ford Focus ST | Hot Hatch | 28 | 2.3L Turbo | 280 |
| Honda Civic Type R | Hot Hatch | 33 | 2.0L Turbo | 329 |
| BMW 128ti | Hot Hatch | 27 | 2.0L Turbo | 265 |
| Hyundai i30 N | Hot Hatch | 29 | 2.0L Turbo | 280 |
| Toyota GR Yaris | Hot Hatch | 34 | 1.6L Turbo | 261 |
| Mini JCW | Hot Hatch | 30 | 2.0L Turbo | 231 |
| Sports Cars (Groups 30-42) | ||||
| Mazda MX-5 (2.0) | Roadster | 25 | 2.0L NA | 184 |
| Toyota GR86 | Coupe | 30 | 2.4L NA | 234 |
| BMW Z4 M40i | Roadster | 40 | 3.0L Turbo | 340 |
| Porsche 718 Cayman | Coupe | 39 | 2.0L Turbo | 300 |
| Alpine A110 | Coupe | 38 | 1.8L Turbo | 252 |
| Lotus Emira (V6) | Coupe | 42 | 3.5L V6 SC | 400 |
| Performance Saloons & SUVs (Groups 35-50) | ||||
| BMW M3 Competition | Saloon | 46 | 3.0L Turbo | 510 |
| Mercedes-AMG C63 S | Saloon | 48 | 4.0L V8 Turbo | 510 |
| Audi RS3 | Saloon | 38 | 2.5L Turbo | 400 |
| BMW M5 | Saloon | 50 | 4.4L V8 Turbo | 600 |
| Porsche Macan GTS | SUV | 43 | 2.9L V6 Turbo | 440 |
| Supercars (Groups 48-50) | ||||
| Porsche 911 GT3 | Supercar | 50 | 4.0L NA | 510 |
| Ferrari F8 Tributo | Supercar | 50 | 3.9L V8 Turbo | 720 |
| Lamborghini Huracan | Supercar | 50 | 5.2L V10 | 640 |
| McLaren 720S | Supercar | 50 | 4.0L V8 Turbo | 720 |
| Aston Martin Vantage | Supercar | 50 | 4.0L V8 Turbo | 535 |
Lower insurance groups do not always mean lower premiums. Your age, location, driving history, and how you use the car all factor in. A 20 year old insuring a Golf GTI in group 29 may pay more than a 40 year old insuring a Porsche Cayman in group 39. Always compare quotes to see what you would actually pay.
Brumble analysis of Thatcham Research insurance group ratings, verified May 2026.
There are several effective ways to bring down the cost of insuring a performance car.
Install a Thatcham-approved tracker. Could help reduce premiums and may be required for cars valued over £50,000.
Park in a locked garage. Secure overnight parking can reduce premiums significantly versus on-street parking.
Limit your mileage. If your performance car is a weekend car, low mileage under 5,000 miles per year could help reduce your premium.
Build your no claims bonus. Five years of claim-free driving could significantly reduce your premium.
Compare specialist and standard insurers. Specialist insurers can sometimes offer better rates for modified vehicles, while standard insurers may be more competitive for factory-standard cars. Always compare both.
Consider multi-car insurance. If you have a daily driver plus a performance car, insuring both with one provider could help reduce costs.
Declare all modifications. Failing to declare modifications can void your insurance entirely. Always declare every change, no matter how minor.
Pay annually. Monthly payments add 20–30% in interest. On a £2,000 performance car policy, that could be an extra £400 to £600.
54,830
Cars reported stolen in the UK in 2025
DVLA, 2025
93%
Of stolen cars taken without using the owner's keys
Tracker, 2025
150 per day
Cars stolen in the UK, one every 10 minutes
DVLA, 2025
Car theft directly affects your insurance premium. Models with high theft rates attract higher premiums, and performance cars are particularly vulnerable due to their value and desirability. While the most frequently stolen car in the UK is the Ford Fiesta (due to sheer numbers on the road), premium and performance models are disproportionately targeted relative to how many are registered.
| Car | Thefts (2024) | Insurance Group | Theft Method |
|---|---|---|---|
| Ford Fiesta ST | Part of 4,446 Fiesta total | 28 | Keyless relay, OBD port |
| BMW 3 Series (inc. M Sport) | 1,371 | 25-46 | Keyless relay, CAN bus injection |
| Mercedes C-Class (inc. AMG) | 1,123 | 30-48 | Keyless relay |
| Range Rover Sport | 867 | 44-50 | Keyless relay, signal amplification |
| Range Rover Evoque | 1,087 | 32-37 | Keyless relay |
| BMW 1 Series (inc. M135i) | 753 | 16-35 | Keyless relay, OBD port |
| Mercedes E-Class (inc. AMG) | 802 | 35-50 | Keyless relay |
Brumble analysis of DVLA theft data shows that BMW and Mercedes models dominate the performance car theft statistics, with keyless relay attacks the most common method. Fitting a Thatcham-approved tracker, a steering wheel lock, and storing your car in a locked garage are the most effective steps to reduce both your theft risk and your premium.
Brumble analysis of DVLA vehicle theft data (FOI, What Car?, February 2026). Tracker Network UK, Stolen Vehicle Recovery Report, 2025.
If you have modified your performance car or plan to, every modification must be declared to your insurer. Undeclared modifications can void your policy and lead to rejected claims.
Increases power output, which moves the car into a higher risk category.
Major power upgrade treated as a fundamental change to the vehicle.
Usually cosmetic or minor performance gain, but must still be declared.
Changes handling characteristics, some insurers view as increased risk.
Higher replacement cost and can affect handling.
Security upgrades are viewed positively by most insurers.
Every modification must be declared to your insurer, no matter how minor. Undeclared modifications can void your policy entirely, meaning any claim would be rejected. For a detailed guide on how specific changes affect your premium, see our car modifications and insurance guide.
If you have spent money on modifications, a standard market value policy may not reflect what your car is actually worth. Agreed value policies let you and the insurer set a value upfront, which is what you receive if the car is written off.
You and your insurer agree the car's value upfront. Best for modified cars, rare models, and appreciating classics.
Insurer determines value at claim time based on comparable sales. Best for factory-standard cars with easy-to-determine values.
Agreed value car insurance is particularly important for performance cars that may appreciate in value, limited edition models, or cars with extensive modifications. Under an agreed value policy, you and the insurer agree a fixed value for the car at the start of the policy. If the car is written off or stolen, you receive that agreed amount rather than the insurer's market valuation at the time of the claim. This protects owners of rare, classic, or heavily modified vehicles from receiving less than their car is worth.
Essential for performance cars. Third party only would leave you massively exposed if a high-value car is written off. Compare comprehensive →
Specialist insurers typically include up to £5,000 of modifications in the base premium. Standard insurers may charge extra for any changes.
See if you can find competitive cover from 130+ UK insurers, including specialists.
Compare Quotes NowFind answers to common questions about performance car insurance.
Content produced by
Ryan is the founder of Brumble and has over a decade of experience in the UK motor finance and insurance industry. He created Brumble to make it easier for UK drivers to understand the insurance and finance world by cutting through the jargon.
Originally published: 1 November 2025 · Last updated: 29 May 2026
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