Top 10 best car insurance companies in 2020

Our guide to the best car insurance in the UK can help you find the best value cover.

Updated . What changed?

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Laughing young woman leaning out of the car window

We’ve picked the best policies for popular categories of car insurance (such as over-50s and new drivers) for our “top picks” – a selection is at the top of the page, and the full list is further down. For these, we rated the key features in every comprehensive policy on our site (the full methodology explains more). It’s sensible to get a range of quotes and these picks are just a steer.

We also wanted to find out which insurers are loved by their customers. Based on the results of our customer satisfaction survey, below is our top 10 car insurance providers in the UK, along with their rating and what they’re great at.

The best car insurance companies in the UK

Our list reflects the results of our 2020 customer satisfaction survey, as well as the quality of cover these brands offer. Click on the insurer name to read our full review.

  1. Aviva – 5/5. Great for customer service
  2. Saga – 5/5. Good level of cover and and friendly customer service
  3. Direct Line – 4.5/5. Best for a strong range of policies
  4. Sheilas’ Wheels – 4/5. An efficient application process
  5. Churchill – 4/5. Good for a robust claims-handling service
  6. LV= – 4/5. Great for comprehensive cover
  7. Hastings Direct – 4/5. Great for new and young drivers
  8. Admiral – 4/5. Useful for temporary car insurance
  9. Age Co (formerly Age UK) – 3.5/5. Great for over 50s
  10. Swinton – 3.5/5. Great for convicted drivers

Special mentions

Axa and Tesco Bank were just outside our top 10, but scored highly nonetheless. Marmalade scored very well, but as it only caters to young and learner drivers through specialist policies and has no standard comprehensive option, we haven’t included it in our top 10.

The best car insurance provider for you will look very different depending on your own circumstances – inexperienced young drivers are unlikely to need policies designed for the over-50s. With this in mind, we’ve highlighted our top picks for different categories.

Best customer service

Finder's Pick: Aviva comprehensive car insurance


Optional breakdown cover

Multi-car discount

24/7 claims helpline
In our latest survey, Aviva came top for customer satisfaction, with 5 out of 5 stars and 91% of its customers saying they would recommend the service to friends and family. The largest general insurer in the UK, Aviva has three levels of comprehensive cover to choose from, as well as third party and third party, fire and theft cover. You can also manage your account with ease using the online MyAviva portal. When insuring multiple policies, you'll still only have to deal with one insurance document and one renewal date.
  • Came top in our customer satisfaction survey, with 91% of existing customers saying they would recommend.
  • Access to a 24/7 claims line.
  • Named driver discount.
  • Uninsured driver protection included.
  • Cover to drive someone else’s car available.
  • EU cover is an optional extra.
  • No courtesy car as standard.
Roadside assistance Optional extra
EU Coverage Optional extra
No claims protection Yes
Multi-car-discount Yes
Courtesy Car Optional extra
Claims Methods Online or phone
Personal Accident Protection Yes, with comprehensive cover

Best multi-car insurance

Finder's Pick: Admiral's multi-car insurance


Multi-car discount

New car replacement

No-claims protection
Admiral offers three levels of car insurance cover and six different types of policy, so you’re likely to find cover to suit your needs. With Admiral MultiCar insurance, you will receive an immediate discount for every car you add to the policy. You will also benefit from having one policy for all vehicles and one renewal date. There’s also an option for combined home and car insurance, labelled Admiral MultiCover. Admiral also offers temporary car insurance with Veygo.
  • One policy for all cars with one renewal date.
  • MultiCar customers could save £252 (10% of customers who provided a best alternative price saved £252 between October 2019 and March 2020).
  • Admiral’s comprehensive policies offer the use of a courtesy car if yours is being repaired at an Admiral approved garage.
  • Claims helplines are not open 24/7. Calling outside of the opening hours will mean you’ll be redirected to a contracted third party recovery service.
Roadside assistance Optional
EU Coverage Yes
No claims protection Optional
Multi-car-discount Yes
Courtesy Car Yes
Claims Methods Email or phone
Personal Accident Protection Yes, with comprehensive

Best over-50s car insurance

Finder's Pick: Saga comprehensive car insurance


Unlimited EU cover

No-claims protection

Uninsured driver cover
Saga offers specialist tailored cover for drivers over the age of 50, with a minimum age of 45 (you must have at least one named driver over the age of 50 on the policy to qualify). Customers reported friendly service and a good level of cover.
  • Unlimited European use cover
  • Protection against uninsured drivers
  • Discounts for insuring additional cars registered to the same address for drivers over 50
  • Highly commended in our 2020 Finder Customer Satisfaction Awards with a score of 5 out of 5 stars
  • Changing your details mid-term may result in a £25 admin fee
  • Cancelling a policy may result in an admin fee of up to £50
Roadside assistance Optional
EU Coverage Yes
No claims protection Yes
Multi-car-discount No
Courtesy Car Yes, with comprehensive cover
Claims Methods Phone
Personal Accident Protection Yes, with comprehensive cover

While all providers will offer insurance to older drivers, the best over-50s car insurance policies may be those designed specifically for that demographic.

Other than Saga, Age Co is also a great option. It has no upper age limit and offers a handy Message Relay service, where a friend or family member to be contacted if you have an accident.

That said, the specialists may not necessarily offer you the best deal. For example, LV= is known for its competitive deals for older drivers, particularly those aged over 80. Like Age Co, More Than also has no age limit, where many other providers cap their cover at between age 75 and 85.

Best temporary car insurance

Finder's Pick: Veygo (by Admiral) temporary car insurance


Immediate cover

Pay-as-you-go car insurance

Flexible duration cover
Veygo is a UK-based insurance company that was founded in 2017, and is part of the Admiral Group. Veygo specialises in learner-driver insurance and temporary car insurance. The company aims to help young drivers and drivers who need to borrow someone else’s car by providing them with an affordable way to get them on the road.
  • Flexible temporary insurance for whatever time frame you need.
  • The cover begins as soon as you purchase it.
  • The policy won’t affect the car owner’s no claims bonus.
  • Veygo short-term car insurance gets expensive if you’re looking for cover that’s approaching 30 days.
  • You’re not covered abroad with this insurance.
Roadside assistance No
EU Coverage No
No claims protection Yes
Multi-car-discount No
Courtesy Car Yes
Claims Methods Live chat or email
Personal Accident Protection Yes

If you’re travelling a short distance or only plan on using a car for a short period of time, it doesn’t make sense to get long-term cover.

Aviva is also a good option. Their temporary insurance offers instant comprehensive policies from 1 hour to 30 days, and customers get the option to add EU cover and breakdown cover to the policy.

The best thing about both of these options is that, if you have to make a claim, the no claims discount of the car’s named driver will not be affected. That’s no excuse to be reckless, of course, but is definitely a relief!

Have a look at our guide to temporary insurance to see the other insurers who offer this type of cover.

Best car insurance for new drivers / black box insurance

Finder's pick: Hastings Direct car insurance


Optional breakdown cover

Multi-car discount

24/7 claims helpline
This insurer offers a range of affordable policies especially for 17- to 25-year-olds. On top of that, it offers black box insurance discounts for multi-car policies. There’s a range of add-ons including breakdown cover and car key insurance, making it easy to tailor your policy to suit your needs.
  • Windscreen and windows glass cover included as standard in the Direct and Premier comprehensive policies.
  • Hastings Direct has Multi-car and Telematix cover options and cover is available to new and young drivers.
  • The claims team is available 24/7.
  • There isn’t a lot of information about the third party, third party, fire and theft or the Essential comprehensive policies available prior to quote stage.
  • The Hastings Direct website is not easy to navigate.
Roadside assistance Optional extra
EU Coverage Optional extra
No claims protection Optional
Multi-car-discount Yes
Courtesy Car Yes
Claims Methods Email or phone
Personal Accident Protection Optional

It can be tough being a new driver, especially when you see how much you may have to pay for insurance. Drivers under the age of 25 typically need to pay more than £1,300 a year for car insurance.

While most providers will cover a young or inexperienced driver, there are a few that will offer a deal that won’t break the bank, and may even offer discounted premiums. One way to access lower premiums is black box insurance. This means having a small device fitted to your car to track your driving performance (similar to the black box found in a plane’s cockpit).

Marmalade insurance deserves a mention here. The company scored 4 stars in our customer satisfaction survey, with 87% of customers saying they would recommend it. Marmalade’s black box policy is not the most comprehensive, but it is a strong option, especially if you value good customer service.

If, on the other hand, you’re aged over 30 and new to driving your age might actually help to save you money.

Best car insurance for convicted drivers

Finder's Pick: Swinton Classic car insurance


Uninsured driver cover

Driving abroad cover

24/7 claims helpline
Swinton offers three levels of comprehensive cover, as well as third party fire and theft. All comprehensive options offer decent benefits and the company also caters for young drivers, convicted drivers and those looking for short term cover. Out of our top 10, it's also the only company that has a special page on its site dedicated to insurance for convicted drivers is Swinton. It’s not a specialist policy, just their regular offering, but the fact they took the time to create a special section of the site for this means they might be more sympathetic towards drivers with these circumstances.
  • Comprehensive cover for a variety of circumstances
  • Windscreen cover included in all comprehensive policies
  • Dedicated section on the website for convicted drivers
  • No third party only cover available
Roadside assistance Optional extra
EU Coverage Optional extra
No claims protection Optional
Multi-car-discount No
Courtesy Car Yes
Claims Methods Phone or online
Personal Accident Protection Yes, with comprehensive cover

If you have a driving conviction, such as speeding, drink driving or driving without insurance, getting car insurance can be a struggle. Even just having points on your licence can lead to a hike in your premium.

Another option is to go through one of the specialist brokers on the market, such as Keith Michaels or the Complete Cover Group. One thing to note here is that there may be additional fees to pay when purchasing insurance through a broker.

If you’re unsure how your conviction might affect your cover, you can use this handy disclosure calculator, run by Unlock and Home Protect.

Don’t be discouraged- getting car insurance when you have a criminal conviction is not impossible. The key thing is to shop around and compare different providers.

You might also consider volunteering to pay a higher excess (but always make sure you can actually afford to pay it should you have an accident), or get black box insurance, which is when a telematics device is fitted to your car to monitor your driving. This kind of insurance is popular with young drivers and, while no one likes to feel like a teenager with a curfew, the savings you can make if you stick to the rules of the road might be worth it.

Cheapest car insurance

The important thing to remember is that cheapest isn’t always best. What’s more, car insurance premiums are affected by many personal factors, including a driver’s age, occupation, location and driving history.

However, there are ways to try and keep the cost of your insurance down.

Cars in the UK are divided into insurance groups from 1 to 50, with cars in groups 1 and 2 being the cheapest to insure. Car groups are calculated using various factors, including the original sale price, performance and security level.

You can learn more about car groups and how they affect your premium in our comprehensive guide to car insurance groups.

Tips for saving on your car insurance

  • Increasing security. If your car is not currently fitted with an alarm, think about adding one to reduce your premium.
  • Having a secure location to park your car. Cars kept in a garage or on a secure driveway are usually cheaper to insure.
  • Reduce mileage. If you start working part-time or your long commute becomes much shorter, letting your insurer know about a reduction in your mileage could result in cheaper car insurance.
  • Limit optional extras if you don’t need them. Think carefully about which optional extras you really want as adding extra protection to your policy will generally push the price up too.
  • Advanced driving skills. You could be in line for a discount with certain providers by taking an advanced driving course such as those offered by the Pass Plus scheme.
  • Fewer drivers. Only add drivers to your policy that regularly drive your car
  • Consider telematics insurance. Having a “black box” fitted to your car to monitor your driving could result in discounts if you drive safely.
  • Larger excess. Agreeing to pay a bigger voluntary excess could make your overall premium cheaper. But remember that your insurer won’t pay out for a claim that costs less than your excess. So be careful about making it too high, as it could leave you out of pocket if damage occurs.

Compare car insurance companies

Data indicated here is updated regularly
Name Product Available Cover Details Link
Aviva car insurance
Third party fire and theft and comprehensive
Cover for legal costs if you're involved in an accident.
Uninsured driver promise, transport home or to your destination.
Pay monthly, interest free. Named driver and multi-car discount.
Get a quote
AA Car Insurance
Third Party only, third party fire and theft and comprehensive
10% of new AA customers paid just £165 or less for comprehensive cover purchased online.
Get a quote
Saga Comprehensive
Third party only, third party fire and theft and comprehensive
Unlimited European use cover and uninsured driver protection. Discounts for over-50s.
Compare quotes
Churchill Comprehensive
Third party only, third party fire and theft and comprehensive
Replacement, upgrade or the money in case of write-off.
Vandalism and uninsured driver promise. Multi-car options and discounts available.
Compare providers
LV= Comprehensive
Third party only, third party fire and theft and comprehensive
Replacement lock cover, misfuelling and accident cover and lifetime guarantee on eligible repairs*
Multi-car discount available
Get a quote
Hastings Direct
Third party fire and theft and comprehensive
Windscreen and windows glass cover included as standard in Direct and Premier cover.
Cover for new and young drivers available.
Compare now
Admiral Comprehensive
Third party only, third party fire and theft and comprehensive
Courtesy car and windscreen repair included.
Unlimited cover for standard audiovisual equipment.
Get a quote
Endsleigh Car Insurance
Third Party only, Third Party Fire & Theft and Comprehensive, Student, Young Driver, Blackbox
24-hour windscreen and glass cover, personal accident cover up to £2,000, replacement car and theft cover on selected policies. Tailored policies for younger drivers.
Get a quote
AXA Car Insurance
Third party only, third party fire and theft and comprehensive
Courtesy car and wrong fuel cover included as standard. You can get up to 15% multi-car discount for additional cars registered at your address.
Get a quote
More Than car insurance
Third party only, third party fire and theft and comprehensive
Uninsured driver promise.
Breakdown cover included as standard.
Get a quote
Post Office Money
Comprehensive, Third Party Fire and Theft & Third Party only
Post Office car insurance is arranged and administered by BISL Limited and insured by a panel of insurers
Get a quote
M&S Bank
Third Party, Third Party Fire & Theft, Comprehensive
M&S Car Insurance is arranged and administered by BISL Limited using a panel of insurers. Terms and conditions apply.
Get a quote
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Compare up to 4 providers

How to find the best car insurance company

Firstly, ensure you’re getting the cover you need. When shopping for car insurance, one of the first factors you’re likely to consider is how much it costs. But remember that choosing the cheapest policy won’t necessarily give you the cover benefits you need – it’s important to compare what you get with the policy.

Secondly, the real test of car insurance is what happens when you need to make a claim. That’s why it’s important to consider both the level of cover and the level of service. It’s no good having a courtesy car included in your cover if, in your hour of need, it’s not available or turns out to be a poor substitute for your own car. The information in this guide about our top insurers is a good starting point.

Lastly, of course no one wants to pay over the odds for their cover, so it’s always important to review your premium each year and compare car insurance from different providers. Consider switching as you’re likely to save – some people save hundreds of pounds. If you do want to stick with your insurer, you can try haggling, as that’s common and usually effective.

Our 2020 customer satisfaction league table

We asked policyholders to rate their satisfaction with their insurance company, and whether they’d recommend it to a friend. We’ve shown both for each brand in the table below. Our independent survey of 750 insurance customers was carried out in December 2019.

Overall satisfactionCustomers who’d recommendIssuerReview
★★★★★91%Picture not describedaviva logoThe largest general insurer in the UK and our top prize winner, Aviva has three levels of comprehensive cover to choose from, as well as third party and third party fire and theft cover. This might sound confusing, but customers in our survey praised the easy application process and good service.View deals
★★★★★81%SAGA logosaga logoSaga offers specialist tailored cover for drivers over the age of 50, with a minimum age of 45 (you must have at least one named driver over the age of 50 on the policy to qualify). Customers reported friendly service and a good level of cover.View deals
★★★★★75%Picture not describedWhile less of Direct Line’s customers said they would recommend the service, the strength of its policies pushed its overall score up. Customers surveyed called the products on offer competitive and the service helpful.View deals
★★★★★87%Marmalade logoAs Marmalade only offers cover to drivers up to the age of 30, it didn’t quite make our top 10. However, the service did very well in our survey, with customers calling it easy to use and praising the competitive prices.View deals
★★★★★84%Picture not describedSheilas’ Wheels started life as a female-only car insurance provider, but now offers cover to both men and women, with a focus on benefits to appeal to women and parents The service was said to be helpful and efficient by customers.View deals
★★★★★83%churchill logoMost people would be aware of Churchill, largely to its nodding dog. Love or hate those ads, customers called the service provided by Churchill reliable and helpful, and some were impressed by the claim handling process.View deals
★★★★★82%LV= logoAs well as standard car insurance, LV= also offers cover for electric and classic cars. Its comprehensive cover includes windshield damage and replacement locks and was considered good value by customers in our survey.View deals
★★★★★77%Picture not describedhastings direct home insuranceHastings Direct’s two main cover options are Direct and Premier. The company also offers Essential comprehensive cover, as well as third party and third party fire and theft, but there’s not a lot of information available on those.View deals
★★★★★76%Picture not describedAdmiral-logoAs one of the most well-known insurers in the UK, Admiral offers a range of cover options, including combined a home and car policy, multi-car cover and temporary car insurance. Customers praised the good value cover and helpful staff.View deals
★★★★★76%Picture not describedage uk insuranceThe company formerly known as Age UK, Age Co is another over-50s specialist. Like Saga, it also offers cover to younger drivers, but its policies are tailored to those with more experience – in life and on the road.View deals
★★★★★77%Picture not describedSwinton offers three levels of comprehensive cover, as well as third party fire and theft. All comprehensive options offer decent benefits and the company also caters for young drivers, convicted drivers and those looking for short term cover.View deals
★★★★★73%Picture not describedTesco-logoThe largest supermarket chain in UK, Tesco also provides solid car insurance policies. You can choose the Black Box policy for young drivers (17-35), or the standard cover for drivers over 21, which customers reported to be good value.View deals
★★★★★72%Picture not describedAxa’s comprehensive cover comes with a lifetime guarantee on repairs, a courtesy car and protection from uninsured drivers. The company’s claim handling service was said to be quick and efficient by customers in our survey.View deals
★★★★★71%Picture not describedKnown mostly as a posh department store, John Lewis also provides a range of financial products. Its comprehensive policy comes with a load of benefits, including misfuelling and vehicle ID theft cover as standard.View deals
★★★★★69%Picture not describedthe aa logoA staple of the British roads, The AA offers third party fire and theft cover and a benefit-laden comprehensive cover. AA members get extra perks and customers called the company’s car insurance cover reasonably priced with good service.View deals
★★★★★65%Picture not describeddiamond logoDiamond is another insurer targeting women drivers. Like Sheilas’ Wheels, it covers men as well, but has benefits such as handbag and child seat cover, which it believes will appeal to women (who are considered lower risk drivers).View deals
★★★★★64%Picture not describedMore Than’s comprehensive cover includes windscreen cover and replacement locks. The company also offers a third party, fire and theft policy, as well as cover for young drivers and a decent multi-car discount.View deals

Car insurance ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

Our customer satisfaction scores (“Customers say”) are based on a survey of 750 customers carried out in December 2019.

Bottom line

The algorithms that insurers use to calculate their premiums are a dark art and are all different, so it will always pay to get a range of quotes from different providers each year. Then consider the extra benefits a policy might offer you, and check our ratings to see what customers think of any brand you haven’t tried but are considering.

Frequently asked questions

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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  • Car insurance group 3 Cars in insurance group 3 are at the cheaper end of the scale when it comes to average car insurance premiums.
  • Car insurance group 2 With car insurance groups ranging from 1 to 50, insurance group 2 is one of the lowest group numbers with premiums often falling on the cheaper side for cars in this group.
  • Car insurance group 5 Cars in insurance group five are often cheaper to insure as they generally have good safety and security features, a lower market value and a less powerful engine than higher insurance group models.
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