What is car insurance group 19?

If your car went on sale in the UK from 1 August 2024 and is part of a brand new model range then it will be assessed under a new insurance rating system. ➡️ Find out more.

Key takeaways

• Cars are sorted into insurance groups from 1 to 50, with 1 being the cheapest to insure and 50 the most expensive, based on factors like new car value, engine size, and repair costs

• Group 19 includes models such as the Audi A3 Sportback, Ford Kuga, and Volkswagen Tiguan

• Insurers consider a range of factors when setting premiums, not just what group a car is in, so it’s always good to compare your options

What is car insurance group 19?

Car insurance group 19 falls close to the middle of the UK’s 1–50 insurance group scale. Cars in group 1 are the cheapest to insure, while those in group 50 are the most expensive.

Which cars are in car insurance group 19?

Here are some makes and models of cars in insurance group 19.

Insurers can determine your car’s make and model from its registration number. When requesting a quote, you’ll be asked to confirm the details and declare any modifications.

Alterations or upgrades to your vehicle may lead to higher insurance premiums.

How are cars assigned to insurance groups?

The group rating system is run by Thatcham Research, a not-for-profit automotive risk intelligence organisation. It sets the requirements for the groups, tests vehicles, and collects all the data to see which group each car fits into.

Factors that are used to help calculate a car’s insurance group include:

• Car value – pricier cars usually cost more to insure

• Repair costs – cheaper, quicker repairs mean lower ratings

• Parts prices – easily available, low-cost parts reduce premiums

• Performance – faster, high-powered cars fall into higher groups

• Safety technology – features like automatic braking or lane assist can lower the rating.

• Security features – alarms, immobilisers, and trackers help reduce risk

💡 Top tip: The trim level of your car and its engine size affect which group your car is in so different versions of the same car model can sit in different groups. Use our free car insurance group checker to find out which group your car is in

What’s the average insurance cost for a group 19 car?

According to MoneySuperMarket data, the average annual cost of car insurance for a vehicle in insurance groups 11 to 20 is £500.02^{^} for comprehensive cover.

Your car’s make, model, and insurance group are key factors in setting your premiums, with higher insurance groups generally resulting in higher costs.

This is mainly because cars in higher groups often carry greater risk for insurers, whether due to larger engines, higher performance, increased repair costs, or a greater chance of theft.

Insurers also take into account other factors, including your age, location, occupation, and driving history. Comparing quotes from different providers is always worthwhile, as it helps you find the best policy that meets your needs at a competitive price.

Is a group 19 car expensive to insure?

Group 19 is around the middle of the UK’s car insurance group scale, with cars in this group cheaper to insure than those in higher bands like 30 and 40, but more expensive than those in lower groups.

Vehicles in group 19 tend to offer a balance of reasonable performance, comfort and safety features without being high-end.

Who is car insurance 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.

What does the ‘E’ mean in car insurance group 19E?

In car insurance group ratings, the letter “E” stands for “exceeds.” It shows that the vehicle has better safety or security features than the standard model in the same insurance group.

Cars in an “E” sub-group tend to be cheaper to insure than cars in the main numerical group.

These extra features – such as alarms, immobilisers, trackers, or advanced driver-assistance systems – reduce the risk of theft or accidents.

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.

Which car insurance group will my hybrid or electric car be in?

Hybrid and electric cars are rated in the same way as petrol and diesel models so you’ll find electric and hybrid cars throughout the different groups.

Some small electric cars that are in the lower insurance groups include:

• The Volkswagen E-up is in group 10

• The Smart EQ forfour is in groups 9-11, depending on the version

However, electric cars can be more expensive to repair than petrol and diesel cars, and more likely to be written off if the battery is damaged in an accident, which can push up electric car insurance costs.

See our Electric Car Insurance Index to find out the top 10 cheapest and most expensive electric cars to insure.

📣 Did you know? Electric vehicles are about 25% more expensive to repair than equivalent petrol and diesel models and their repair times can be 14% longer, according to Thatcham Research.

Which car insurance group will my classic car be in?

Classic car group ratings can vary hugely depending on the make, model and variant, as different cars will have different values, accident and theft risks and repair costs. You should look into your specific model to understand what insurance costs might look like.

Which car insurance group will my modified car be in?

Some modifications can increase the risk of theft or cost of repairs, while others can improve your car’s safety and security and therefore bring down costs. Some insurers might even request that you upgrade a car’s features before they will insure it - these cars, whichever group they’re in, will have a ‘U’ rating alongside their group number.

Do car insurance groups change over time?

No, the group rating system gives each car a score at launch that never changes. However, the new vehicle risk rating system is different as the scores update regularly to reflect changing market conditions.

Which car insurance group is my car in?

You can quickly find out what insurance group a car is in with our free car insurance group checker.

When you’re buying a new car, it’s a good idea to check which insurance group it’s in in case the version you’re interested in falls into a higher group than a lower specification model and could therefore have a higher insurance cost.

How can I get cheaper insurance for my group 19 car?

There are several ways you can find cheaper insurance for your group 19 or 19E car. These include:

• Pay premiums annually, not monthly

• Add a named driver

• Build up your no-claims bonus

• Limit annual mileage

• Increase your voluntary excess

• Improve your car’s security

• Park off-road or in a locked garage

You should always compare quotes from different insurers when buying car insurance.