Is premium fuel worth the extra cost?
Only if your car requires it or is tuned to take advantage of it. For most cars, higher-octane fuel provides no benefit and the extra cost is wasted.
Octane rating does not measure energy content or quality. It measures resistance to knock — the tendency of the fuel-air mixture to ignite spontaneously under compression rather than when the spark plug fires. Knock is destructive, so engines are designed around a minimum octane requirement.
A higher octane number simply means the fuel resists knocking at higher compression. It does not contain more energy. Putting 98 into an engine designed for 95 does not release more power, because nothing in that engine can exploit the extra knock resistance.
There are three cases where it genuinely matters.
The manufacturer requires it. High-compression, turbocharged and performance engines often specify a minimum. Using lower octane in those forces the engine management to retard ignition timing to prevent knock, which reduces power and efficiency. Here premium is not optional.
The manufacturer recommends but does not require it. Modern knock sensors let the engine adapt either way. You may see a small power or economy gain on premium, often not enough to offset the price difference.
Older or high-mileage engines with carbon build-up can develop knock and may run more smoothly on higher octane.
Separately, some premium fuels carry higher detergent additive packages, which can help keep injectors and valves clean. That is a genuine difference, but it is about additives rather than octane, and many standard fuels now meet good detergency standards too.
Check the fuel filler flap or the manual. If it says 95 and nothing more, use 95.