How we score car insurance

Comparing car insurance isn't easy, so we've rated the features that matter and asked customers about service from their provider. Here's how we do it, and pick the best.

To help you find the best car insurance for you, our team analyse a range of features for every comprehensive insurance policy on our site. We use this analysis to create our expert star ratings and to determine our top picks.

Our team of researchers give each comprehensive policy an overall rating out of five stars (rounding each one up or down to the nearest half star).

Quick stats

  • Car insurance policies we analyse: 33
  • Features analysed for each one: 20

What factors do we take into account?

We base our ratings on three main factors:

  1. Range of features included. Is a courtesy car covered as standard? Is your no-claims discount protected in the unfortunate event of a claim? Are you able to pay monthly, and does it cost extra to do that? We look at all this, and more.
  2. Level of cover. With any car insurance policy, it’s important to understand the level of cover you’re entitled to in the unfortunate event of a claim. We look at these cover limits in detail across a wide range of specific criteria.
  3. Customer satisfaction and service. How likely are customers to recommend the provider to a friend? How easy is it to manage your policy online? Are claims lines open 24/7? These are the types of questions we’ve looked into in great detail.

Shouldn’t the cost of car insurance be a factor?

There’s no getting around the fact that cost can play a big role in choosing your car insurance. However, there’s also a number of other factors that come into play when deciding which provider is the “best”.

With our policy ratings, we’ve removed cost from the equation and taken a more holistic approach to car insurance and focused more on the quality of service, the level of cover and specific policy inclusions and exclusions.

How do we decide which features are more important?

Each factor in our scoring methodology is weighted.

Our experts base this on user and market research to ensure it reflects what’s important to you.

For instance, whether the car insurance provider has windscreen cover included as standard is less important than whether or not it’s extremely difficult to make a claim in your time of need.

How do we choose our “best” car insurance providers?

Finder top picks highlight providers that our analysis shows are the best fit for specific categories and are displayed across our car insurance content. Be sure to consider your own personal objectives, needs and circumstances before making a decision using our top picks.

We chose these from the providers on our site, using the methodology below:

What are we looking for in our “best for” categories?

Our customer satisfaction survey

In December 2019, Finder conducted an independent customer satisfaction survey about insurance providers. We asked 750 customers about whether they were happy with their current insurer, then turned their answers into a rating of between one and five stars.

Customer satisfaction ratings methodology

We asked participants how satisfied they were with their insurance company on a scale of one to five, and whether they would recommend their insurer to a friend.

To turn the answers into the scores you see on the page, we used the following method:

  • How many people would recommend the company versus how many people wouldn’t. If you would go as far as recommending a company to a friend, it must mean you think it’s really good. That’s why this counts as 50% of our customer satisfaction star rating.
  • The proportion of people who rated an insurer five out of five. Five out of five is a real vote of confidence! This counts for 25% of our customer satisfaction star rating.
  • The average score each insurance company got. This told us whether the insurer’s service levels match its ratings, or if it’s actually not that great. This score forms the last 25% of our customer satisfaction star rating.

All of those things combined made the final customer satisfaction score, which was then rounded up to the nearest half point to give the following ratings:

★★★★★ – Excellent

★★★★★ – Good

★★★★★ – Average

★★★★★ – Subpar

★★★★★ – Poor

Does Finder compare all car insurance providers in the market?

We already list most of the UK’s popular and well-regarded car insurance providers and we’re adding more all the time.

We’d love to hear from you if there’s a provider you’d like to see us review and score.

Cheapest car insurance

To help you find the cheapest car insurance provider, our team have analysed a number of provider policy quotes across a range of different categories. We use this analysis to formulate our table data that you may see across the website.

Cheapest provider overall

To find the cheapest overall, we ran the same driver and vehicle profile over 3 different locations a number of times through provider quote engines and took a final average. With our driver and vehicle profile, we’ve tried to be representative of an individual in the UK with moderate driving experience, and moderate mileage and an average socioeconomic background.

In terms of locations, we’ve taken into account three different post codes with varying average costs across the UK. 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: Oct 2019 (source: Quotezone)

More guides on Finder

  • Car insurance A-Z Glossary

    Get to grips with car insurance terms with our handy round-up of the main insurance jargon you’ll come across.

  • Car insurance admin charges

    We explain what car insurance admin charges exist, when you might need to pay them and how to keep them to a minimum.

  • Should drivers have to retake their driving test?

    Three-quarters (74%) of the UK want drivers to retake their driving test at least once in their lifetime, at an average age of 68 years old.

  • Low emission car insurance

    We explain how low emission cars could affect insurance and other costs, plus how to keep your insurance premium low.

  • Cat N insurance

    Read our guide to find out how to find insurance for your cat N write-off, average cost and whether or not you can keep your category N car.

  • Self-employed car insurance

    What you need to consider when taking out car insurance if you’re self-employed, and whether you can claim car insurance as a business expense.

  • Cat S insurance

    Learn how to find insurance for your Cat S write-off, average cost and whether you can keep your category S car.

  • Genesis G80 insurance group

    Find out how much it may cost you to insure a Gensis G80 and how to save on your car insurance premiums.

  • Genesis G70 insurance group

    Find out how much it may cost you to insure a Gensis G70 and how to save on your car insurance premiums.

  • Genesis GV70 insurance group

    Find out how much it may cost you to insure a Gensis GV70 and how to save on your car insurance premiums.

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site