Like everyone else said, depends on manufacturer.
Most engines do not require premium. Most Euro gas engines do, although there is an attempt today by VW to allow 87-93 octane rating. However, they state that peak power is lost.
Mazda in CX-9 explained it best. If you use regular engine makes 227hp and 310lb-ft. If you use premium, engine makes 250hp and 310lb-ft. So benefit is in high rpm. Now, most American buyers buy HP, but actually they love torque. So Mazda basically said: yeah, in CX-9 soccer moms will mostly use low-mid range rpm, so why bothering with premium if you do not use high rpm. If you do (and most drivers of CX-9 do not) then just put premium.
Now some manufacturers are pretty strict on that and BMW, MB and some others are pretty strict on minimum 91.
Most engines do not require premium. Most Euro gas engines do, although there is an attempt today by VW to allow 87-93 octane rating. However, they state that peak power is lost.
Mazda in CX-9 explained it best. If you use regular engine makes 227hp and 310lb-ft. If you use premium, engine makes 250hp and 310lb-ft. So benefit is in high rpm. Now, most American buyers buy HP, but actually they love torque. So Mazda basically said: yeah, in CX-9 soccer moms will mostly use low-mid range rpm, so why bothering with premium if you do not use high rpm. If you do (and most drivers of CX-9 do not) then just put premium.
Now some manufacturers are pretty strict on that and BMW, MB and some others are pretty strict on minimum 91.