{"id":526618,"date":"2024-04-23T21:57:09","date_gmt":"2024-04-23T20:57:09","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=526618"},"modified":"2026-05-11T02:23:59","modified_gmt":"2026-05-11T01:23:59","slug":"how-where-you-park-affects-your-car-insurance-premiums","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/car-insurance\/how-where-you-park-affects-your-car-insurance-premiums","title":{"rendered":"How where you park affects your car insurance premiums"},"content":{"rendered":"<p>Almost everything about your car and its usage affects your car insurance premiums. This can include anything from the distance you drive each year, to whether or not you have a bespoke paint job. Where you park it is just another factor to add to the long list of things that car insurance underwriters consider when deciding how much to charge you. Here\u2019s why, and what difference it can make.<\/p><h3>What parking options can I choose from when I apply for insurance?<\/h3><p>All insurers will ask where you usually park your car as part of the process to get a quote. We\u2019ve summarised the typical options below. The precise list will vary by insurer, and may be different for where you park your car during the day vs overnight.<\/p><ul><li><strong>Private driveway<\/strong>. This is pretty self-explanatory, though there may be a caveat that it should be the driveway of the policy-holder\u2019s home.<\/li><li><strong>Street or road near home<\/strong>. This is any road parking where a permit isn\u2019t required, close to where you live.<\/li><li><strong>Street or road away from home<\/strong>. This option usually crops up if you park your car away from home during the day.<\/li><li><strong>Residential parking<\/strong>. Parking that\u2019s been designated for residents to use by the local council. It usually requires a parking permit.<\/li><li><strong>Garage<\/strong>. Many insurers require that garages are securely locked.<\/li><li><strong>Car port<\/strong>. A car port has a roof to protect your car from the elements, but usually few or no walls.<\/li><li><strong>Car park<\/strong>. Usually applies to a car park without security, whether you paid or not, and whether it\u2019s open or covered. NCP car parks, for example.<\/li><li><strong>Secure car park or compound<\/strong>. Secure car parks are usually fenced all the way around and accessed by a controlled gate using a key or code.<\/li><li><strong>Office or factory car park<\/strong>. If your workplace has a car park and you park here during the daytime, this is the option to select.<\/li><\/ul><h3>Does it matter if I park in different places overnight and during the day?<\/h3><p>It can do, yes. Insurers and price comparison sites will ask whether you park your car in the same place overnight and during the day. If you park near home overnight, but typically park near your place of work during the day, you\u2019ll need to provide both locations.<\/p><p>You\u2019ll need to give the answer that applies most of the time. So if you park near your workplace during the daytime Monday to Friday, and park near home during the daytime at the weekend, you\u2019ll need to choose the option that applies Monday to Friday (as that\u2019s \u201cmost of the time\u201d).<\/p><h3>What if my parking location varies day to day?<\/h3><p>It\u2019s the type and rough location of where you park \u201cmost of the time\u201d that matters, rather than the specific spot. So, if you don\u2019t have a dedicated parking spot and need to park wherever there\u2019s a space on the nearby streets, you\u2019re still usually parking on a street or road near home. Or if, for example, you usually park in a residential car park, but occasionally it\u2019s full and you have to park on the street, you should be fine to put \u201cresidential parking\u201d as this is where you park most of the time.<\/p><p>If, however, it\u2019s more variable than that, and it\u2019s not possible to answer where you park most of the time, speak to your insurer about how to answer. This might apply, for example, if you travel for work and have to park in a different daytime location every day.<\/p><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block\"><div class=\"u-grid\"><div class=\"u-grid__col u-1\/1 no-padding-bottom\"><h3 class=\"has-padding-bottom-x-small\">Why does where I park affect my car insurance premiums?<\/h3><\/div><div class=\"u-grid__col u-1\/6@s\"><p><img decoding=\"async\" class=\"luna-avatar luna-avatar--large\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/07\/Danny-Butler.jpg\" alt=\"Danny Butler\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/07\/Danny-Butler.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/07\/Danny-Butler.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/07\/Danny-Butler.jpg?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/07\/Danny-Butler.jpg?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/07\/Danny-Butler.jpg?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/p><div class=\"has-padding-top-small text-x-small\"><em>Finder insurance expert <a href=\"https:\/\/www.finder.com\/uk\/author\/dannybutler\">Danny Butler<\/a> answers <\/em><\/div><\/div><div class=\"u-grid__col u-10\/12@s no-padding-bottom\"><p>Some factors that affect car insurance are a bit of a head-scratcher at first glance \u2013 whether you\u2019re a <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/job-titles\">pharmacist or a financial analyst<\/a>, for example. But it makes a bit more intuitive sense that where you park affects how much you pay.<\/p><p>When they set your premiums, insurers tend to put more weight towards things that increase your chances making a claim (and therefore costing them money). Conversely, they\u2019ll put less weight towards things that will reduce your chance of incidents. So, just as they\u2019ll tend to charge more for a young, inexperienced driver who\u2019s more likely to make a mistake and have an accident than for someone who\u2019s been behind the wheel for years, if you park somewhere that reduces your chance of theft or damage, your premiums are likely to be lower \u2013 particularly if you have a high end car.<\/p><p>That said, the places that you or I might regard as the \u201csafest\u201d places to park aren\u2019t always directly in line with how insurers see it, as we explain below.<\/p><\/div><\/div><\/div><\/article><h3>How much does where I park affect my premium?<\/h3><p>When setting premiums, insurers will review data that indicates your likelihood of claiming, including the history of all claims made in the areas where you park and drive. This means that the difference in your premiums based on where you park will vary from area to area. In some areas it will make very little difference. But if, for example, an insurer has evidence that drivers that park on the road in a particular postcode are far more likely to make a claim than those that park on a driveway, you could see much bigger differences.<\/p><p>Of course, we often don\u2019t have a choice about where we park. But if you do, it could be worth tweaking your answers to see how much difference it makes to your quotes. It\u2019s important that whatever option you state, you do actually park in that location most of the time. If you don\u2019t, and the insurer finds out when you make a claim, it could invalidate your insurance.<\/p><p>To give you an idea of how much impact different parking options can have, we\u2019ve used a price comparison site to run a few quotes for a 32-year-old teacher, Holly, who lives in Berkshire and drives a Vauxhall Corsa.<\/p><table id=\"parking\" class=\"luna-table luna-table--fixedColumns\"><thead class=\"luna-table__header\"><tr><th>Parking location<\/th><th>Cheapest quote<\/th><th>Average of 5 cheapest quotes<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><td>In a garage day and night<\/td><td>\u00a3680.43<\/td><td>\u00a3729.89<\/td><\/tr><tr><td>On a driveway day and night<\/td><td>\u00a3681.39<\/td><td>\u00a3737.59<\/td><\/tr><tr><td>On the road near home day and night<\/td><td>\u00a3680.78<\/td><td>\u00a3744.98<\/td><\/tr><tr><td>On a driveway at night, in a workplace car park during the day*<\/td><td>\u00a3666.76<\/td><td>\u00a3757.20<\/td><\/tr><\/tbody><\/table><p>* In this scenario, Holly has selected that she uses her car for \u2018social and commuting\u2019, as she obviously drives to work. For other scenarios, she has selected \u2018social use\u2019 only. Prices gathered in March 2024.<\/p><h3>What are the best and worst places to park my car for car insurance?<\/h3><p>As the scenario above illustrates, where you park your car doesn\u2019t always make a huge amount of difference to your car insurance premiums. For Holly, when parking in the same location day and night, there was only a few pence difference in the very cheapest quotes. And, contrary to what you might expect, parking in her school\u2019s car park during the day (and adding commuting to her driving habits) actually decreased the cheapest quote by around \u00a314.<\/p><p>When we took the average of the 5 cheapest quotes for each option, there was a more logical pattern. In this case, parking in a garage offered the cheapest quotes (on average). Parking on the driveway, on the road, and in a different location during the daytime each added a few quid to the average premium.<\/p><p>As a rule of thumb, parking on the street tends to incur higher premiums. That\u2019s because cars are more at risk of scrapes from passing traffic, plus they may be more vulnerable to opportunistic thieves or vandals.<\/p><p>The best place to park is more up for debate. You might assume that insurers would always prefer a locked garage. But, in practice, the chance of you scratching or denting your car driving in and out of a tight garage might outweigh the security benefits for some insurers, particularly if you live in a low crime area. So if you have the choice of parking in a garage or on the driveway, it\u2019s worth checking both options when getting quotes.<\/p><h3>What else can I do to keep my car secure?<\/h3><p>There are a few things you can do to keep your car secure. Some can save you money on your car insurance premiums. Others won\u2019t immediately reduce your premiums, but could reduce the risk of you needing to make a claim. This will help avoid the need to pay an excess, and will also retain your no-claims discount, which will keep costs down in the long term.<\/p><ul><li>If you have an older car, consider adding an alarm, tracker, and immobiliser. Most modern cars come with such security measures built in. If your car is older and doesn\u2019t have them, installing them could reduce your premiums enough, over time, to justify the up-front costs.<\/li><li>If you park on your driveway, installing motion sensor lights and\/or CCTV could act as a deterrent to would-be thieves.<\/li><li>If you need to park on the road, park under street lights if you can. Dark areas can be appealing to criminals as their nefarious activities are less likely to be spotted.<\/li><li>Don\u2019t leave your car keys visible through a window in your house, or near your front door where a thief might be able to hook them through the letter box.<\/li><\/ul><h3>How can I save money on my car insurance?<\/h3><p>You don\u2019t always have a choice of where you park, but there are other ways to keep the cost of car insurance to a minimum.<\/p><ul><li><strong>Pay annually rather than monthly if you can<\/strong>. While paying monthly can spread the load, you\u2019ll incur interest that will end up costing you more overall.<\/li><li><strong>Increase your excess.<\/strong> This is the amount you need to pay towards any claim. Opting for a higher voluntary excess can cut your premium. Just don\u2019t set it so high that you can\u2019t afford to pay it if you need to claim.<\/li><li><strong>Add an experienced driver. <\/strong>If you\u2019re a young, inexperienced driver in particular, adding a lower-risk, experienced <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/named-driver-car-insurance\">named driver<\/a> to your policy could lower your premiums.<\/li><li><strong>Build up your no-claims bonus.<\/strong> Every year that you drive safely and avoid needing to claim will increase the <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/no-claims-bonus\">no-claims discount<\/a> on the following year\u2019s premiums.<\/li><li><strong>Avoid cosmetic modifications.<\/strong> While adding an alarm or immobiliser could reduce premiums, fancy paintwork or tinted windows are likely to do the opposite.<\/li><li><b>Consider \u201cblack box\u201d insurance. <\/b>This uses a small device \u2013 a \u201c<a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/young-drivers\/black-box-car-insurance\">black box<\/a>\u201d \u2013 installed in your car to track your driving habits. Careful driving is rewarded with lower premiums.<\/li><li><strong>Compare prices annually.<\/strong> Always <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/bad-credit-car-insurance\/cheap-car-insurance\">shop around each year<\/a> rather than just renewing with the same insurer, especially if you\u2019ve been through any big life changes such as getting married or moving house. You can also use comparison quotes to haggle with your existing insurer.<\/li><\/ul><h3>Bottom line<\/h3><p>Whether where you park affects your car insurance premiums, and by how much, will depend on the area you live in and, potentially, the specific car you drive. Not everyone has a choice of where to park. But if you do, it\u2019s worth running quotes for each option, to see if you could save a bit of money. And remember that different insurers may have different ideas of where the \u201cbest\u201d place to park is, so it\u2019s always worth <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/bad-credit-car-insurance\/cheap-car-insurance\">comparing quotes<\/a> to find the best deal for your circumstances.<\/p><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Do I need car insurance if I leave my car parked and don't drive it?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"> It depends where you park. If you park on a public road, whether it\u2019s in residential parking or not, or in a public car park, then you still legally need car insurance. If your car is parked on private property \u2013 such as a driveway or garage \u2013 then you may be able to get away without insurance. You\u2019ll need to officially declare your car off the road using the <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/how-to-sorn-a-car\">SORN process<\/a>, though. And you mustn\u2019t move it off your private property (even to temporarily move it out of the way for a skip, for example). <\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">Do I need to tell my insurer if my parking habits change?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"> Yes. You need to tell your insurer about any changes that could affect your risk levels. This includes where you park. So if, for example, another member of your household moves out, making space on the driveway for your car (or vice versa), then you must tell your insurer. If you don\u2019t, it could invalidate your policy and leave you unable to claim. There may be a small change fee, and your overall premium may be adjusted. <\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">Will my insurer be able to tell where I park?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"> If you have a telematics policy, then the black box fitted in your car will pinpoint to the insurer where you park. And even if you don\u2019t have a black box, there are tactics an insurer can use to check if you\u2019ve been honest. If you say you have a driveway, but live in an area where most people park on the street, your insurer might use Google Street View to check if your property actually has a driveway, for example. Even if they don\u2019t check when you take out a policy, they may investigate further if you need to make a claim. If, for example, you state you park in a garage, but then make a claim for your car being scraped by another vehicle while parked overnight, your insurer might question where you really usually park at night time. In short, honesty is the best policy. <\/div>\n  <\/div>\n<\/li><\/ul><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block\">*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (April \u201926). 51% of Confused.com car insurance customers could save \u00a3511.52.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Discover the best and worst places to park your car from car insurers&#8217; perspective, and how to keep the cost of car insurance down. <\/p>\n","protected":false},"author":805,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"","_yoast_wpseo_title":"Parking affect your car insurance | Save on your premiums","_yoast_wpseo_metadesc":"Discover the best and worst places to park your car from car insurers' perspective, and how to keep the cost of car insurance 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20:57:12\",\"timezone_offset\":\" +00:00\",\"last_update_summary\":\"\"}","_last_major_update":"","feature_finder_bot_teaser_enabled":false,"feature_finder_bot_teaser_message":"","feature_finder_bot_teaser_placeholder":"","feature_finder_bot_teaser_suggestions":"","footnotes":""},"categories":[2645],"tags":[],"asset_tag":[],"class_list":["post-526618","post","type-post","status-publish","format-standard","hentry","category-car-insurance"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Parking affect your car insurance | Save on your premiums<\/title>\n<meta name=\"description\" content=\"Discover the best and worst places to park your car from car insurers&#039; perspective, and how to keep the cost of car insurance down.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" 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