Compare cheap car insurance

Compare car insurance for more than 100 deals, spanning third party to comprehensive cover. Get a quote and save up to £257.

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Our super-quick quiz takes less than 1 minute. Answer 3 easy questions to narrow down your shortlist.

Most people who switch save hundreds. Use the filters to view just comprehensive policies, or other types, and to select features like a courtesy car. To see two or three policies side-by-side in detail, tick "Compare" on the left-hand side. When you're ready to get a quote, hit the green button.

Name Product Ratings Courtesy car Windscreen repair Accident cover Multi-car discount EU Cover Link
Aviva Comprehensive
We say
★★★★★
★★★★★
You say
★★★★★
★★★★★
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Finder's summary: Aviva is the biggest insurance provider in the UK and, while size isn’t everything, its policies deliver. It also gained 5 stars in our 2020 Finder Customer Satisfaction Awards for car insurance. That said, you get what you pay for, so Aviva’s policies are not the cheapest on the market.

Who it might be good for: Someone who wants an all-round comprehensive policy.
AA Comprehensive
We say
★★★★★
★★★★★
You say
★★★★★
★★★★★
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Finder's summary: Car insurance from The AA is particularly attractive to existing AA members. However, the comprehensive policy scored highly in our overall policy rating and customers said the service is helpful and efficient.

Who it might be good for: Someone who is looking for a top rated comprehensive policy and values a high level of customer satisfaction.
Age Co Comprehensive
We say
★★★★★
★★★★★
You say
★★★★★
★★★★★
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Finder's summary: Unlike most insurers, Age Co doesn’t have an upper age limit and its comprehensive policy includes a lot of helpful benefits, such as a courtesy car and the Get You Home service (which ensures you arrive home or to your destination if your car isn’t roadworthy after an accident).

Who it might be good for: Age Co policies are designed specifically with those aged over 50 in mind.
Churchill Comprehensive
We say
★★★★★
★★★★★
You say
★★★★★
★★★★★
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Finder's summary: The company’s comprehensive cover is a good option if you’re looking for full protection for your car. Even if you don’t need that level of cover, it’s worth getting a quote for both cover options, as comprehensive can sometimes work out cheaper than just third party, fire and theft.

Who it might be good for: Churchill’s policies are not the cheapest, but you get what you pay for so always consider your needs above the price tag.
LV= Comprehensive
We say
★★★★★
★★★★★
You say
★★★★★
★★★★★
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Finder's summary: Both LV= car insurance options are strong competitors in the market. The company is well respected and did well for customer service in our survey. A downside is that some changes to your policy can result in admin charges, and cancellation past the 14-day cooling off period means paying a cancellation fee

Who it might be good for: Someone who wants a low-cost comprehensive policy.
Hastings Direct Standard
We say
★★★★★
★★★★★
You say
★★★★★
★★★★★
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Finder's summary: Hastings Direct does offer strong options for comprehensive car cover, as well as other types of car insurance, such as multi-car and Black Box cover. However, its website could be a lot more user friendly to make it easier for customers to understand what is and isn’t included in their policy.

Who it might be good for: Someone who wants an all-round comprehensive policy, that can also have multi-car or a black box policy.
Admiral Comprehensive
We say
★★★★★
★★★★★
You say
★★★★★
★★★★★
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Finder's summary: Admiral has a range of products on offer to cater for a variety of needs, including black box, classic car and learner driver policies. The company’s comprehensive policy offers a good level of cover, with benefits including courtesy car and windscreen repair. Customers love the company’s policy, which is evident in the awards Admiral has received.

Who it might be good for: Someone who wants a well rounded comprehensive policy that caters to a range of needs.
Endsleigh Comprehensive
We say
★★★★★
★★★★★
You say
★★★★★
★★★★★
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Finder's summary: Endsleigh offers a comprehensive car insurance policy, and can be especially competitive for students and young drivers. However, the company charges admin fees to make changes to the policy, which not all companies do.

Who it might be good for: Students and young drivers looking for an all round policy.
AA Third Party, Fire and Theft
We say
★★★★★
★★★★★
You say
★★★★★
★★★★★
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Finder's summary: There are two levels of cover. The AA doesn’t offer third party (the legal minimum) on its own, but it does offer third party, fire and theft (TPFT) and comprehensive. If you’re a young driver with a car that is not worth a whole heap of money, you may be better off going for third party, fire and theft insurance.

Who it might be good for: Someone who needs the basics covered.
Age Co Third Party, Fire and Theft
We say
★★★★★
★★★★★
You say
★★★★★
★★★★★
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What is car insurance?

In the UK, you can’t legally drive without having at least third party car insurance. This pays out if you damage someone else’s car or injure someone in an accident that was your fault. There are two higher levels of cover: third party, fire and theft and comprehensive.

Contrary to what you might expect, comprehensive can be the cheapest of the three. That’s because drivers who get third party tend to be more risky, which pushes up the premium. We’ve set out in detail what you get and don’t get with each type of cover below. When you’ve decided what type is right for you, compare policies of that type in our table.

Car insurance jargon explained

Certificate of motor insurance. A document you get from your insurer that provides legal evidence that you’re insured.
Duty of disclosure. You have to answer the insurer’s questions truthfully, otherwise it can refuse to pay out if you claim. If there’s a change in the details you gave the insurer – you move home or change job, for example – you have to inform it about that.
Insurance policy document. Your insurer will send you this. It contains the nitty gritty of what your policy will and won’t cover.
No claim bonus. Also known as a no claim discount. For every year you drive without making a claim, an insurer will typically give you a discount on the following year’s premium.

What are the different levels of cover?

This is the most complete form of insurance you can get. Benefits vary by insurer, but comprehensive car insurance typically covers most types of loss or damage.

What is covered?

  • Injuries to others, both in your car and other vehicles
  • Damage to property or other vehicles
  • The cost of legal claims against you
  • Replacing your car if it’s stolen
  • Damage to your car as a result of fire or attempted theft
  • Other damage to your car
  • Cover if you get injured

What isn’t covered?

Comprehensive car insurance.

In addition to providing the benefits of third-party cover, this protects your car against fire and theft. It’s a popular choice for those who find comprehensive comes in too expensive.

What is covered?

  • Injuries to others, both in your car and other vehicles
  • Damage to property or other vehicles
  • The cost of legal claims against you
  • Replacing your car if it’s stolen
  • Damage to your car as a result of fire or attempted theft

What isn’t covered?

Third party, fire and theft car insurance.

This is the minimum level of cover that all UK drivers are required to have by law. It isn’t always the cheapest and doesn’t protect your own car against any type of damage.

What is covered?

  • Injuries to others in your car and in other vehicles
  • Damage to property or other vehicles
  • The cost of legal claims against you

What isn’t covered?

  • Damage to your car
  • Cover if you get injured
  • Theft of your car
  • Protection if your car is damaged or destroyed by fire

Third party only car insurance.

Do you have the right car insurance?

During the pandemic car insurance providers tweaked their policies to allow people to drive their cars to work without the need for a specific “social and commuting” class of use on their policy. However, as of 30 April, 2021, this new rule is coming to an end and those still driving to work should check whether they have the right insurance.

If you’re driving with the wrong type of car insurance, you could be breaking the law and could be hit with serious penalties. To make sure you have the right type and level of cover, talk to your insurer and they’ll be able to guide you to the right policy for you.

How to compare car insurance

  1. Shop around every year. Many customers have been hit with a “loyalty penalty” for just letting their policy renew with the same provider. The Financial Conduct Authority, the UK finance watchdog, wants to change the rules to stop insurers charging long-standing customers extra. Switching is likely to get you big savings. And always check your existing policy has the right level of cover before you start comparing.
  2. Use autofill to save time.You can turn this on with most web browsers. If you want to review your quotes, or make small changes to your form, you can also do so by accessing the Finder quote email and clicking “Edit quote details”.
  3. Get your details right. The cost of cover is influenced by your age, location, occupation and marital status, among other factors. Changing one minor detail when completing your application form can have a big impact on the quotes you receive. Make sure all your personal details and information are correct to ensure you’re getting accurate quotes. If your job can legitimately be described in different ways, it’s worth checking all variations.
  4. Compare the benefits as well as the price. Policies have subtle differences so when you get your quotes through, it’s worth looking at the details. You can get cheap car insurance that has good benefits.

Even if you don’t think you need fully comprehensive cover, it’s always worth getting a quote for it as comprehensive can work out cheaper.”

Danny Butler, Finder insurance expert

What is the average cost of car insurance in the UK?

The cost of motor insurance hit a four-year low in 2020, according to the Association of British Insurers, which has a premium tracker. The average price for a comprehensive policy was £465 (1% lower than in 2019), and in the final three months of 2020, it was £468 – reflecting a “seasonal trend” of rising prices in winter, but still down 3% on the same period in 2019.

These lower premiums reflect the changes in drivers’ behaviour during the pandemic, since many more people have been working from home and not commuting, for example.

What information will I need to give to get a quote?

  • Drivers’ details, such as name, date of birth and address.
  • Driving record, such as your claims history.
  • Details of the car and where it will be kept.

What types of vehicle can I insure?

You can insure vans, motorbikes, trucks and just about any type of specialist car including classic cars. You can also get cover for mopeds and scooters. As yet, you can’t legally drive e-scooters on public roads unless they’re rented, so you’re unlikely to find insurance for them.

What type of car insurance do I need?

The first question to decide is whether you want third party, third party, fire and theft, or comprehensive – and that will partly be influenced by how cheap your quotes are.

Drivers who are very young, very old or inexperienced are likely to see high premiums because of the risk profile of people in those groups. To help you get the cheapest deal, we’ve created specialist guides for learner drivers, young drivers, older drivers, convicted drivers and drivers with bad credit (your credit status comes into play if you want to pay monthly).

What other types of cover can I get?

You might only be using your car once a month, or for only a few short journeys. If that’s the case, consider temporary car insurance and pay-as-you-go insurance.

If you’re a good driver but in a risky age bracket, such as the under-25s, black box car insurance (also known as telematics) can lower your premium. It involves the insurer tracking your driving behaviour, such as your speed and braking.

If you have more than one car in your household, a multi-car insurance deal could get you a discount.

For those who need to use their car for business trips from time to time, there’s temporary business car insurance.

Which policy extras can I get with my car insurance?

  • Breakdown cover. If you break down the provider will send someone out to you to try to fix your car or tow it to a garage. Some car insurance includes this.
  • Courtesy car/hire car cover. If your car is being repaired or has been written off after a claim, this cover provides a hire car vehicle until you have your own again. Some policies include it (you can filter for them in our table).
  • Legal expenses cover. This covers the legal costs of taking someone to court to reclaim costs arising from an accident that insurance hasn’t covered.
  • Cover for driving abroad. All UK policies give third party cover for driving in the EU, according to the government website. But if you want a higher level of cover, you can usually add it.
  • Windscreen cover. Replacing a windscreen typically costs between £200 and £400, so it’s worth considering this as an extra with your policy. Although it’s included in many comprehensive policies, you’d still have to pay the excess if you claimed, unless you had this extra cover.
  • Personal accident cover. This pays out for medical treatment and lost income if you or your partner is seriously injured in an accident.
  • Replacement key cover. If your keys are lost or stolen, this covers the cost of replacement.
  • Protected no claim bonus. If you claim, your no claim bonus would stay intact. You typically need at least three years of not claiming to qualify for this.

Optional extras to add to your car insurance policy.

How can I get cheaper car insurance?

  1. Increase security. If your car doesn’t have an alarm, consider adding one to reduce your premium.
  2. Park in a secure place. Cars kept in a garage or on a secure driveway are usually cheaper to insure.
  3. Cut the mileage. If you’re working from home more often or you’ve started using a bicycle more, tell your insurer about your reduced mileage.
  4. Up the excess. Increasing your voluntary excess can reduce your premium. You just need to be sure you can pay the increased amount if you have to claim.
  5. Pay annually, if you can. There can be a big difference in your premium if you opt to pay for the whole year upfront instead of paying by monthly instalments. Our example below is based on a real quote, given in 2021.

Comprehensive policy for a teacher with a Toyota Verso, London

  • Annual payment = £647.36

Same policy, paid in monthly instalments

  • 1 X £108.64
  • 10 x £60.34
  • Total = £712.04
  • Difference vs annual = £64.68

Things that could invalidate your insurance policy

These are some of the ways you can invalidate your cover:

  • You knowingly deceive your insurer.
  • You change the use of your car from its original use. For example, changing from social, domestic and pleasure to business use.
  • Your car is being driven by an unnamed driver on your policy or by a person that does not have a valid driving licence.
  • You use your car at rallies, races or competitions.
  • You are paid to carry passengers.
  • You fail to pay for your premium.
  • You change your car during the policy term to a car that the insurer cannot cover.
  • You do not provide the correct documents to support your application.

Check your policy for further details to confirm your cover is valid.

Stickers, pets roaming free and charging for a lift are just some of the things that can invalidate your car insurance

Discover 9 surprising things that could invalidate your car insurance and how to avoid this happening

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We compare policies from

Age Co car insurance
Elephant car insurance
More Than car insurance
Post Office Money Comprehensive
Churchill
AA Car Insurance
Aviva Comprehensive
Direct Line Comprehensive
LV= Comprehensive
Admiral Comprehensive
Sheilas' Wheels Comprehensive
Hastings Direct Standard
NFU Mutual comprehensive
AXA Comprehensive
Diamond Comprehensive

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★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

The customer satisfaction score is based on a survey of 1,513 customers carried out in December 2020.

Learn the details of our methodology and scoring.

*51% of consumers could save £257.97 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next three cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from January 2021 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.
The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you.
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