Car insurance
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**Based on Online independent research by Consumer Intelligence during August 2019 50% of customers could save up to £247.34 on their car insurance premium.
Compare cheap car insurance quotes
Comparing car insurance is quick and simple with Compare the Market. Whether you want to beat your current provider’s renewal quote or insure a new vehicle, our price comparison service could help you find a cheaper car insurance deal. You could save up to £247** when you compare car insurance with Compare the Market.
**Based on Online independent research by Consumer Intelligence during August 2019 50% of customers could save up to £247.34 on their car insurance premium.
Exclusive price cut for Compare the Market customers^^
We’ve teamed up with Churchill to offer new customers an exclusive discount on their car insurance. The price cut is only available until 30 November 2019, so get a quote today to make sure you don’t miss out.
^^Churchill terms and conditions
This offer runs until 30 November 2019 and is for new Churchill customers only. A discount has been applied to the price of the policy – no discount is applied to any optional add-ons or if the premium you’re quoted is already the minimum amount for a policy offered by Churchill. Legal cover worth £28 is included with this offer. Churchill and Compare the Market reserve the right to withdraw, amend or suspend this promotion at any time at their discretion.
How to get great-value car insurance
Comparing with us could be the best way to get a cheaper deal. We’ll show you some great deals from a variety of the UK’s most trusted car insurance providers. You can compare the policies based on price, cover level, or annual or monthly payment, helping you to find affordable car insurance that suits your needs.
Remember, cheap car insurance isn’t always the best insurance as it might not cover everything you want or need. Think about value for money as well as the total cost.
Want to know more? Read about...
>> Top tips for cheaper car insurance
>> Car insurance terms – a glossary
>> No claims discount explained
What type of car insurance do I need?
The type of car insurance you need depends on the level of cover you want. There are three different types of car insurance.
Third party car insurance covers you for injury or damage you cause to other people.
This is the minimum level of cover you need to legally drive on UK roads. Third party car insurance only covers the cost of compensating other people for injury or damage you cause. It doesn’t provide you with any financial help for injury or repairs to your vehicle.
Third party, fire and theft provides cover if your car is stolen or damaged by fire.
Covers the cost of damage or injury to third parties, but could also compensate you if your car is damaged due to fire or theft, or if it’s stolen. It won’t cover you for the costs of damage to your own car in an accident.
Get more detail about third party, fire and theft insurance.
Fully comprehensive offers drivers the most complete cover.
Includes all the cover of a third party fire and theft policy, but could also protect you as a driver and may pay out for damage to your car. It could also include compensation for medical treatment, legal expenses and accidental damage.
See more on what’s included in comprehensive car insurance.
It’s worth knowing that comprehensive insurance isn’t always the most expensive type of car insurance, even though it offers the most cover.
Depending on your circumstances, you might want to look into:
How can I get cheap car insurance?
One of the easiest ways to find cheap car insurance is to compare car insurance quotes with us. But there are plenty of things you could do to help you save money on your car insurance:
- Choose your car wisely. See the cheapest cars to insure.
- Increase your voluntary excess. Find out more about car insurance excess.
- Limit your mileage. Read about the effects of annual mileage on car insurance.
- Build up a no claims discount. Read no claims discount explained.
- Consider a telematics policy – also known as black box insurance.
For more ideas, check out our top tips for cheap car insurance.
Get a quoteFrequently asked questions
Why do you need car insurance?
You need car insurance as it can provide you with cover if you’re involved in a car accident. It’s also a legal requirement if you own or drive a car, unless you declare the vehicle off-road (SORN) and keep it on private property.
If you’re caught without car insurance, you could be fined a minimum of £300 and given six penalty points. If you end up in court, you might be given an unlimited fine and disqualified from driving.
What does car insurance cover?
If your car is involved in an accident, car insurance could provide cover for:
- injuries to you or other people
- damage to your car
- damage to another vehicle
- property damage
- car insurance could also cover you if your car is damaged by fire, attempted theft or if it’s stolen.
Not all car insurance policies offer the same cover, so always read the small print and make sure you’re happy with any exclusions or limitations.
Is it better to pay car insurance annually or monthly?
Whether it’s better to pay for your car insurance annually or each month will depend on your circumstances when you’re looking to buy car insurance.
Paying an annual lump sum for car insurance is usually cheaper than paying monthly. A monthly payment plan could mean you pay more for your car insurance as you might be charged interest on the instalments.
Do I need a credit check to buy car insurance?
The insurance provider will carry out a credit check if you want to pay for your car insurance monthly. Providers will also look at your credit score (a 'soft search') when you compare insurance quotes, but this is just to check your details and won’t affect your score.
How do I estimate my mileage?
You can estimate your mileage by working out how many miles you drive every day or week, then adding them up to work out your annual use. Alternatively, check your MOT certificate or car service record, which will show how many miles you’ve driven. You can use this as a basis to calculate your future mileage.
The number of miles you drive per year can affect your car insurance premium. This is because the more you drive, the more of a risk the provider considers you to be.
It’s important to be as accurate as you can when you estimate your mileage for your car insurance. If you guess and underestimate your mileage, it could invalidate your policy.
How do I work out my car’s value?
The current value of your car will be determined by factors including its age, mileage, make, service history, modifications and general condition. There are a number of free valuation tools online that you can use to get an estimate of your car’s value. You can also look at used-car listings to see the prices of similar models in a similar condition to yours.
When you compare car insurance deals with Compare the Market, you’ll be asked whether you know the current value of your car (whenever possible, we try to provide a value for you). Unless you own a classic car, this is likely to be less than you paid for it because of depreciation.
What affects the price of car insurance?
Factors that impact car insurance include:
- The insurance group your car is in.
- Your annual mileage. The more you drive, the more chance there is of you having an accident.
- Your occupation. Some jobs are considered riskier than others.
- Where you live. Most claims are for accidents close to home, so your address is a key factor that impacts your car insurance.
- Your age. Young drivers will generally pay more than older drivers.
- Your driving experience. The length of time you've been driving for will impact your premium, especially if you're also a young driver.
- Any criminal convictions. You'll be considered a higher risk so are likely to pay more.
- Your claims history. Including any no claims discount.
- Adding a named driver to your policy. This could decrease your premium if the person is an experienced driver with no claims.
How much does car insurance cost?
Fully comprehensive car insurance could cost from
£637
per year***
Learner driver car insurance could cost from
£536
per year****
Over 50s car insurance could cost from
£297
per year*****
***50% of people could achieve a quote of £637.00 per year for their fully comprehensive car insurance based on Compare the Market data in August 2019.
****50% of learner drivers between 17-24 year olds could achieve a quote of up to £535.50 for their car insurance based on Compare the Market data in August 2019.
*****50% of over 50s could achieve a quote of up to £296.40 for their car insurance based on Compare the Market data in August 2019.
And that’s just the average. The cost of car insurance depends on a number of things. The price reflects the risk the insurance provider faces, so factors in things such as how expensive your car would be to replace or repair, the value of the car, how likely it is to be stolen, whether you’re a driver who abides by the law, how many miles you drive and so on.
When you shop around with Compare the Market, you could find cheaper policies.
Get a quote
What details do I need to get a quick insurance quote?
To get a car insurance quote, you’ll need to tell us about:
- Your car – either your registration number or the car’s make, model and age. You’ll definitely need the registration number to buy a policy.
- How you use your car – for pleasure and commuting, or for business purposes too. We’ll also need to know how many miles a year you drive and where you keep your car at night.
- No claims discount (NCD) – how many years you have (you’ll need proof from your current insurance provider if you’re switching to a different one).
- Your driving history – any accidents, insurance claims and driving convictions from the past five years. Be honest, or you could invalidate your car insurance policy.
- Additional drivers – details of any additional drivers you want to add to the policy.
You'll also need to provide a few personal details – unless you’ve compared with us before, then we’ll do that for you. This will include your name, how old you are, where you live and the type of job you do.
Get a quoteWhy compare car insurance with Compare the Market?
50% of consumers could save up to £247**
5 minutes to get a quote^^^^
25% of consumers could save up to 52% on their premium^^^^^
^^^^On average it can take less than 5 minutes to complete a car quote through Compare the Market based on data in September 2019.
^^^^^Based on Online independent research by Consumer Intelligence during August 2019 25% of customers could save up to 52.70% on their car insurance premium.
Daniel Hutson
From the Motor team
What our expert says...
"The most competitive prices out there are typically offered around three weeks before your policy end date. So don’t leave comparing to the last minute."
Customer ratings and reviews
Knocked £190 off my previous quote and got cover.
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As of the 06 November 2019 our customers rate us 4.6/5 based on 89824 unique customer reviews.
Read more reviewsCar insurance providers
We compare around 117 of the UK’s car insurance providers to help you get a great quote.
By shopping around, you can get quotes from well-known brands and specialist car insurance providers. This matters, because while insurance providers calculate their prices in broadly similar ways, they all use their own formulas and models. They also have different attitudes to the risks they’re willing to take. Some specialise in providing more competitive quotes to younger drivers, for example, while others choose to steer away from this type of customer.
The large panel of providers we have at Compare the Market gives you the chance to see the options available to you in one go, without having to spend time going to lots of insurance provider websites to see how they stack up against one another for you and your car. You can get quotes from our wide range of providers in just 5 minutes^^^^.
It’s easy to see who we work with: they’re listed on our providers page. And you can review the details of their car insurance policies to find the one offers the best value for you.
Take a look – we’re confident one of these car insurance providers will suit you.
See all providers
Car insurance group checker
There are 50 car insurance groups. Your car is in one of them and, in general, the higher the group, the higher your car insurance premium is likely to be.
If you’re curious about what group your car’s in or you want to check the group before you buy a new car, then our car insurance group checker is here to help. Just input a few details about your car – such as its make, model and year – and we can tell you what group it’s in.
Find a car insurance group
