What is car insurance group 19?

Key takeaways

• Cars in insurance group 19 are seen as moderately risky, balancing performance with higher repair costs – these will generally have middle of the road premiums

• Vehicles in Group 19 tend to be more powerful than basic small cars but not top performance vehicles.

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

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.

Insurance group ratings are set by the Group Rating Panel. This is made up of members from the Association of British Insurers (ABI) and the Lloyd’s Market Association and uses data from Thatcham Research, which specialises in vehicle safety and repair costs.

When assigning a car to an insurance group, the panel takes into account a range of factors that influence how costly a vehicle may be to repair or replace.

These include the car’s market value (as higher-priced models usually lead to higher premiums), repair costs and times, the availability and price of parts, and performance elements such as speed and acceleration.

Safety and security features – for example, automatic braking, alarms, and trackers – are also considered. Claims and damage data from Thatcham Research are then used to gauge the vehicle’s overall risk level.

Regardless of a car’s insurance group, premiums tend to be higher for younger or less experienced drivers, as well as those with previous claims or driving convictions.

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.

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 11-20 is £473.75 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.

How can I check my car insurance group?

Use Moneysupermarket’s car insurance group checker tool to check which insurance group your car belongs to.

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.

Comparing car insurance with MoneySuperMarket

You can compare car insurance with MoneySupermarket. Drivers can save up to £514^{^} by comparing quotes and you can get a £15 SuperSaveClub reward with your car insurance policy, plus other benefits like Free Days Out.