Car insurance

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*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (January '24). 51% of car insurance customers could save £524.68
1Correct as of March, 2024

How much does car insurance cost?

The average price of a comprehensive car insurance policy in the UK is £995+. That's the highest prices have been on record and a huge £366 increase in the last 12 months. 

The price you pay for your car insurance policy depends on your personal circumstances. To get an estimate of the average price in your area for your age group, you can use our car insurance calculator.

Despite the increasing prices, there are still measures you can take to secure more affordable car insurance quotes. We guarantee savings can be made. We’re so certain that we offer a guarantee to beat your renewal, or pay you the difference, plus £20(3).

+Confused.com Q4 2023 price index data.
++Confused.com data October - December 2023.

3Single annual policy only. T&Cs apply. Must be a like-for-like policy.

How car insurance premiums are calculated

Insurers consider lots of things when calculating the price of your policy.

Some of the big ones are:

  • Where you live and your postcode will affect your price. Insurance is based on risk, so if you live in a built-up area where there might be more vehicle crime or higher accident rates you can expect to pay more than someone living in a rural area where the risks are lower.
  • Your age is significant to insurers. Generally, the younger you are, the less driving experience you’ll have. In insurers eyes this means you’re more likely to have an accident and make a claim.
  • The car you drive will have a large bearing on how much you pay. Things like the value, availability of parts and power of the car are taken into consideration because cars with modifications, high powered sports cars and expensive cars typically cost your insurance provider more if you need to make a claim.
  • What you do for a living is important as it gives an indication to insurers of how much time you spend on the road.
  • Your driving history including previous claims or accidents will help give insurance companies an idea of how you drive. If you’ve made a claim in the past 5 years, it can affect the cost of your insurance. Driving convictions will also contribute to the amount you pay.

We compare up to 163 trusted insurance companies1 to get you our cheapest deal in minutes

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How to compare car insurance quotes

Getting a car insurance quote only takes a few minutes, and if you’ve used us before it’s even quicker. Just log in and check your details are accurate and up to date.

Compare and get covered in 3 simple steps:

  • Fill in our quote form with details about you and your car
  • We’ll compare up to 163 car insurance companies1  to help find the right policy at the right price. View monthly or annual prices and add any optional extras
  • Confirm your policy and buy online

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