Seat Ateca insurance group

The Seat Ateca was the first SUV produced by the Spanish manufacturer when it was released in 2016. Even so, it’s one of the most desirable SUVs on the market today. In this guide, you’ll discover the key facts about insuring the Seat Ateca.

What insurance group does the Seat Ateca fall under?

When it comes to car insurance, all cars are given an insurance group from 1 (cheapest) to 50 (most expensive). This group helps insurers to determine the cost of your premium. Seat Ateca models range from insurance groups from 8 to 24, meaning the car insurance will be on the cheap side.

The costs may vary between Seat Ateca models, due to various factors related to the vehicle. As an example, a 30-year-old driver in an average postcode could pay around £699 for cover on a Seat Ateca First Edition 1.6 TDI Ecomotive 115PS 5d that is in insurance group 11 or around £815 for a Seat Ateca Xcellence Lux 2.0 TDI 190PS 5d that is in insurance group 24. This is a great example of the premium pricing when one car sits in a much higher insurance group.

• 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).

Seat Ateca insurance cost by location

Location plays a key role in the premiums offered to you by car insurance companies.

To highlight the impact of your home address, here are some average quotes for a 30-year-old living in three different locations. The quotes are for a Seat Ateca First Edition 1.0 TSI Ecomotive 115PS 5d.

• Expensive: £935 (London SE1)
• Average: £537 (Newcastle NE1)
• Cheap: £483 (Galashiels TD1)

• How we got these rates

  These rates are based on the average cost of cover for cars in the locations shown. Our research suggests SE1 is one of the most expensive locations, NE1 represents an average cost location and TD1 represents one of the cheapest locations. Updated: June 2024 (source: Confused).

Which factors affect my Seat Ateca insurance rate?

Along with insurance group, here are the other factors that have a significant impact on your insurance premium costs:

• Engine type and capacity. Cars with larger engines typically cost more to insure. For example, a bigger engine may cost £900 for insurance for a Seat Ateca 1.0 TSI Ecomotive S 5d, while a bigger engine may pay £1,617 for a Seat Ateca FR Black Edition 2.0 TSI 4Drive 190PS DSG auto 5d. There’s a £142 difference between 1.0 litre and 2.0 litre engines in a Seat Ateca.
• Driver location. Insurers will use your address to calculate the likelihood of your Seat Ateca being involved in a theft or an accident. For example, a 30-year-old in central London may pay £1,465 for insurance for a Seat Ateca SE 1.4 EcoTSI 150PS DSG auto 5d, while the same 30-year-old in Newcastle may only pay £674. That’s a £151 difference between those living in London and Newcastle, because Londoners are statistically more likely to make a claim.
• Driver age. The youngest drivers represent the biggest risk to insurers – and that’s why they pay so much more for car insurance. The average 20-year-old driver in London may pay £2,356 for the Seat Ateca Xcellence Lux 1.5 TSI Evo 150PS 5d, while the average 40-year-old Londoner will only pay £798. As you can see, the 20-year old would have to pay double in this scenario.

Other factors that influence the cost of your insurance include:

• Your car’s safety rating score
• The model and age of your car
• Your car’s security and any extra anti-theft precautions
• Your annual mileage
• Your car usage
• Your marital status
• Your credit history and job
• Your no-claims discount

How can I save on my Seat Ateca premiums?

When hunting for insurance, you’ll want to take the time to get a great deal that’s within your budget. Here are some ideas to help you do this:

• Limit your car usage (where possible). By occasionally deciding to take journeys by foot or public transport, rather than using your car, you’ll reduce your annual mileage and be given a discount on your premium.
• Pay annually rather than monthly. While it might be difficult for some people to part with a large sum of money in one go, you’ll save money on your car insurance by paying annually. This is because is you eliminate the possibility of being charged interest on monthly repayments.
• Install extra safety precautions. The safer your car is, the less of a risk you’ll be perceived as by insurers. So, you’re quite likely to lower your premium by doing so.
• Don’t just accept your renewal quote. Make sure you shop around and don’t just settle for the renewal price given to you. There are likely to be cheaper options out there!

Bottom line

This is one of the SUVs providing the best value for money today. You can expect to pay below the average rate to insure it too. On top of that, the tips in this guide will help you to reduce your premiums even further.

Frequently asked questions

• What is the top speed of a Seat Ateca?

  Depending on the model version, you can expect a Seat Ateca to reach a top speed of 133 miles per hour.

• Is the Seat Ateca safe?

  The Seat Ateca received a full five-star rating on its Euro NCAP crash tests. This includes a 93% rating for protecting adult occupants and 84% for protecting child occupants.

• How much car tax do I have to pay for the Seat Ateca?

  The UK standard car tax rate starts at £140 per year. However, you might pay more or less depending on your car’s emissions.

• Where can I buy a Seat Ateca?

  You can buy a Seat Ateca at dealerships, from online sellers or second-hand from current owners.

• What engine size is the Seat Ateca?

  The engine sizes range from 1.0 litre to 2.0 litres.

• Is the Seat Ateca any good?

  It’s a relatively new entry into the crossover market, but it provides great value for money.

• Where can I find Seat Ateca car insurance?

  You can compare the costs of insuring a Seat Ateca on any price comparison website.

• Is a Seat Ateca expensive to insure?

  This depends on the specific model of Seat Ateca you have and the insurance group it falls under. Seat Ateca models can be found in insurance groups ranging from group 8 to group 24, meaning the insurance is likely to cost less than for an average vehicle.

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

Danny's expertise

Danny has written 368 Finder guides across topics including:

• Car, home and business insurance
• Helping people save money on their insurance
• Project management
• Giving valuable insights to website visitors