Understanding Car Insurance Group 19
Key takeaways
Cars in insurance group 19 are seen as moderately risky, balancing performance with higher repair costs - these are will generally have middle of the road premiums
Group 19e cars have enhanced security features which can slightly affect insurance costs compared to standard group 19 cars
Improving your car’s security and comparing quotes are easy and effective ways to manage and reduce your premiums in these higher groups
Understanding how car insurance groups work can help you estimate premiums and make informed decisions about your vehicle and insurance policy.

What cars are in insurance group 19?
Insurance group 19 includes a range of popular car models, such as:
Audi A3 Sportback - A blend of luxury and performance that positions it in a higher insurance group
Ford Kuga - A sturdy SUV, the Kuga's size and power categorise it in group 19
Volkswagen Tiguan - This robust SUV features advanced safety and strong performance, typical for this insurance group
Cars in insurance group 19 often share features that influence their insurance premiums, like powerful engines that raise accident risks, as well as higher repair costs and enhanced safety features.
What is insurance group 19e?
Insurance group 19e is a variation within group 19, focusing on cars with enhanced security features or specific modifications. The ‘e’ designation reflects vehicles that might have advanced safety systems, upgraded performance parts or additional security features like alarms and immobilisers.
While these features can boost security and reduce theft risk, they can also increase repair costs depending on the type of feature or modification.
Is insurance group 19e or 19 cheaper?
The difference in insurance premium costs between groups 19 and 19e can vary depending on a number of factors specific to the cars themselves, such as their security features or modifications. While groups in 19e often have improved security features that can bring premiums down, the associated higher repair costs can increase your insurance premiums.
Who is group 19 suitable for?
Cars in group 19 are ideal for experienced drivers looking for vehicles that balance performance with reasonable insurance costs. They can have more power and advanced features compared to those in lower groups, making them popular choices for regularly commuting professionals and experienced drivers.
However new drivers might find that cars in group 19 are not the most cost effective to insure, as their powerful engines and higher repair costs can lead to relatively more expensive premiums.
Is Group 19 High?
While group 19 is towards the higher end of the car insurance scale, it’s not the most expensive - car insurance groups go up to 50, so cars in group 19 will still be more affordable than many others.
Car insurance group placings are determined by a number of factors, including the car’s value, repair costs, safety features, and performance attributes.
How significant are insurance groups in car insurance pricing?
Insurance groups significantly influence your car insurance costs. Cars are categorised into groups from 1 to 50 - group 1 is the cheapest for insurance, while group 50 is the most expensive. The higher the group number, the more you pay, as these cars are typically more expensive to repair or replace
Several factors determine a car's insurance group, including the car’s value, performance, safety features, and repair costs. Cars that are cheaper to repair and have higher safety ratings are usually in lower insurance groups, making them less costly to insure
How to lower premiums for cars in higher insurance groups:
To reduce your car insurance premiums, consider:
Paying a higher voluntary excess to indicate you’re less likely to make a claim
Installing security features and securely storing your car to prevent theft
Comparing quotes with MoneySuperMarket to find the best deal suited to your needs