List of cars in insurance group 19

What is insurance group 19?

Insurance group 19 cars are among the cheaper ones to insure. With group 19 being at the lower end of the 50 insurance groups compiled by Thatcham Research, the cars that slide into this category tend to have good car safety features, are inexpensive to repair and possess less powerful engines.

Car insurance groups explained

All vehicles are assigned an insurance group from 1-50. These groups are used to help insurers determine appropriate premiums for their customers, with group 1 having the cheapest cars to insure and group 50 having the most expensive.

The group a particular car model is assigned is usually determined by its performance, safety and security features, part replacement and its market value.

On top of that, there are also a number of different personal factors that insurers consider, such as your age, driving history and location.

Car makes and models in insurance group 19

Here are some of the vehicles in insurance group 19 that are likely to come with a cheaper car insurance policy.

Cars in insurance group 19 and the average cost by driver’s age

You can work out how much your car insurance is likely to cost based on your age and your car’s make and model by using the table below.

• How we got these rates

  These rates are based on the average cost of cover for cars in the insurance groups shown for drivers of different ages with a Newcastle (NE1) postcode, which our research suggests represents an average for insurance rates in the UK. Updated: June 2024 (source: Confused).

Insurance group 19 categories

• 19E: Surpasses the security requirements for this type of car, leading to a lower insurance group rating.
• 19A: Meets the standard security requirements for this type of car.
• 19D: Falls short of security requirements for this type of car, resulting in a higher insurance group rating.
• 19U: Security standard is unacceptable. The insurer might require upgraded aftermarket security before providing coverage.
• 19P: Provisional status. Insufficient data is available at launch for classification. This will likely be updated once Thatcham can evaluate the new car.
• 19G: Grey import. Thatcham tests only officially sold UK cars, so imports are evaluated based on the insurer’s pricing.

Average insurance group 19E cost

To provide you with an idea of how much it may cost you to insure your insurance group 19 car, we ran several quotes to find an average figure. Based on our results, on average, you could insure your car with a comprehensive policy for the monthly price of £63.71, or an annual sum of £699.

• How we calculated this price

  We generated these quotes using the following assumptions about the vehicle and the driver.

  The vehicle is/has:

  • Insurance group 19 model
  • Factory fitted alarm system
  • Not modified
  • Used for social, domestic and commuting purposes
  • 10,000 mileage per year
  • Parked in a work car park during the day
  • Parked on a driveway at night

  The driver is/has:

  • A 30-year-old, single teacher from London
  • A homeowner
  • Five years no-claims discount
  • No driving or other convictions in the last 5 years

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Why are cars in group 19 on the cheaper side?

Insurance group 19 vehicles are cheaper to insure because they score well for the following factors:

• Low market value
• Good security and safety features
• Inexpensive to source parts and make repairs
• Smaller, less powerful engine
• Quick repair times

Which other factors affect your car insurance premium?

Here are three of the most important factors that have the biggest impact on the cost of your insurance:

• Engine type and capacity. The larger your engine, the more it’ll cost to repair or replace. This puts a bigger financial risk on the insurer, and they will hike your premium to cover themselves.
• Driver location. Insurers consider how likely it is that your car will be stolen or involved in an accident, based on where you live. They use previous claims data to calculate this, and your premium will be adjusted accordingly. As an example, a 30-year-old in central London will pay £908 for insurance for a 2.0 Audi A4 TDI Ultra SE 4d, while the same 30-year-old in Newcastle may only pay £706.
• Driver age. Insurers will use previous claims data to predict how likely a motorist of your age is to make a claim and adjust your premium accordingly. That is bad news if you’re a younger driver, as these are statistically the most likely to be involved in an accident. £4,397 for the Ford Galaxy Zetec 2.0 Ford EcoBlue 120PS 5d, while an average 40-year-old Londoner will only pay £862.

Those are three of the most impactful factors considered by insurers, but there are more. These include the following:

• Your marital status
• Your credit history
• Your job title
• Your car’s safety rating
• What security measures are installed
• What anti-theft precautions are installed
• The model and age of your car
• Your driving history, including previous convictions
• Your no-claims discount

How can I save on my car insurance premiums?

Driving a vehicle in insurance group 19 (or lower) is a great way to reduce the cost of your car insurance.

On top of that, there are plenty of other things you can do to reduce your premium.

Here are some ideas:

• Avoid any driving convictions. It may sound obvious, but having these on your record will send your premium skyrocketing.
• Be economical about your car usage. You could reduce your premium by reducing your annual mileage. So consider, if it’s possible to use your car more sparingly. Perhaps there are some journeys you can take by public transport or walking to keep costs down.
• Pay annually rather than monthly. By paying annually, you’ll ensure you’re not being charged interest on monthly car insurance instalments!
• Install extra safety precautions. The safer you make your car, the lower your premium will be.
• Don’t just accept your renewal quote. Shop around for the best car insurance deal each year using price-comparison websites. In most cases, you’ll save a lot of money compared to accepting your renewal quote.

Frequently asked questions

• What is the lowest insurance group?

  Car insurance group 1 is the lowest. It contains the vehicles that are cheapest to insure.

• Does a lower insurance group mean cheaper car insurance?

  In theory, yes. However, there are several personal factors that will influence the premiums offered to you as well.

• What does Thatcham Research analyse?

  Thatcham Research analyses a number of criteria to calculate a car’s group rating. One of its key tests is a 15km/h crash impact assessment, based on an internationally recognised insurance standard. Following the crash, Thatcham’s engineers work out the cost of the time and parts to return the car to its pre-accident condition. The group rating also takes into account new car values, car performance (including top speed and acceleration time), parts pricing, safety and security features, and the alignment and structure of a car’s bumpers.

• What do the letters mean in insurance groups?

  The letters refer to the security features on the vehicle that are fitted as standard.

• How many car insurance groups are there in the UK?

  In the UK, there are 50 car insurance groups in total. These were created by a company called Thatcham Research.

Written by

Danny Butler

Publisher

Danny is a publisher at Finder specialising in insurance and investing. He previously worked at the global insurer Aon and has appeared in national media giving advice on insurance. Danny holds a BA in International Business from the University of Plymouth and has undying loyalty to his average-poor football team, Portsmouth FC. See full bio

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