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.

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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)

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