Based on Online independent research by Consumer Intelligence during August, 2022. 51% of customers could achieve this saving on their car insurance through Comparethemarket.
What is car insurance and why do I need it?
Car insurance could cover your costs if your car is damaged in an accident, stolen, vandalised or catches fire. You’re legally required to have insurance if you own or drive a car, unless you officially declare your car off the road with a SORN (Statutory Off Road Notification). You can be fined a minimum of £300 and given six penalty points if you’re caught driving without car insurance. And if you end up in court, you face an unlimited fine and could be disqualified from driving.
The type of car insurance you need depends on the level of cover you want.
Comprehensive policies offer the best car insurance protection, and can be the cheapest level of cover for many drivers. It’s worth comparing to see if it’s the right car insurance option for you.
Average price: £571/year
Third party, fire and theft
Could pay out if your car is stolen or damaged by fire. While it protects you against the cost of damage or injury to third parties, it won’t cover you for the cost of damage to your own car in an accident.
Average price: £879/year
Third party only
Third party cover is the minimum level of cover needed to legally drive on UK roads. It covers you for injury or damage caused to other people and their property. There’s no cover for you or your car.
Average price: £1,310/year
51% of our customers were quoted less than £570.09 for their fully comprehensive car insurance, £878.25 for their third party fire and theft car insurance, £1,309.50 for their third party car insurance.
Prices correct as of September, 2022.
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- Car insurance group checker - Check what group your car is in.
How much does car insurance cost?
The price reflects the risk the insurance provider faces. It factors in the value of your car, how expensive it would be to replace or repair, how likely it is to be stolen, whether you drive responsibly and how many miles you drive.
for comprehensive cover
for over 50s
for over 60s
for over 70s
for learner drivers
for young drivers
What can affect your price?
- Insurance group - the lower the insurance group your car is in, the less you’re likely to pay for your premium.
- How much you drive - there’s less chance of you having an accident if you have low annual mileage, so your car insurance could be cheaper.
- Your job - some occupations are considered less risky than others and therefore result in cheaper premiums.
- Your address - if you live in an area with low claims, this could translate into lower premiums.
- Your age - older drivers will generally pay much less than young drivers as they’re seen to have more experience.
- Your driving experience - experienced drivers with no claims will typically pay less than new drivers and young drivers as they present a lower risk.
- Any criminal convictions - avoiding points on your licence keeps your premiums low, as convicted drivers are considered a higher risk so are likely to pay more.
- Any claims - your claims history, including any no claims discount, can make your premium cheaper.
- Additional drivers - adding a named driver to your policy could decrease your premium if they’re an experienced driver with no claims.
 51% of our customers were quoted less than £570.09 for comprehensive car insurance.
 51% of over 50s could achieve a quote of up to £294 for their car insurance
 51% of over 60s could achieve a quote of up to £275 for their car insurance
 51% of over 70s could achieve a quote of up to £302 for their car insurance
 51% of learner drivers between 17-24 years old could achieve a quote of up to £580 for their car insurance
 51% of young drivers between 17-24 years old could achieve a quote of up to £1,277 for their car insurance
Based on Comparethemarket data in September, 2022.
Optional upgrades and add-ons
You can get covered for everything from a broken windscreen to legal expenses with these optional extras. Be aware, though, that you’ll have to pay to add them to your policy, so think carefully about what you need. You don’t want to end up paying more than you need to.
Breakdown cover can help you carry on with your journey if your car breaks down in the middle of nowhere or won’t start outside your home.
Personal accident cover
If you or your partner are killed or seriously injured in a car accident, personal accident cover could provide compensation.
Motor legal protection
If you’re injured in an accident or have a car-related dispute that results in legal action, motor legal protection could help cover your legal expenses.
Car keys cover
Lost keys cover could cover the costs of replacing and reprogramming lost or stolen car keys.
No claims discount protection
Your no claims discount could cut the cost of your premium. Protect it by adding this cover to your insurance.
Broken or chipped car windscreens can be expensive to repair. Windscreen cover could take care of the cost.
Courtesy car cover
Courtesy car cover gives you a car to use when yours is in the garage being repaired after an accident.
Wrong fuel cover
Misfuelling cover could take care of the cost of draining and cleaning your tank, the cost of repairs or both.
Personal belongings cover
Possessions cover could cover your personal belongings if they’re stolen from your car.
What do I need to get a quick insurance quote?
To get a car insurance quote, you’ll need to tell us about:
1. Your car and how you use it
Either your registration number or the car’s make, model and age. Plus, whether you use your car for pleasure or business and how many miles a year you drive.
2. Your details
Including your name, how old you are, where you live and the type of job you do. We’ll need the same for any drivers you want to add.
3. Your driving and your licence
Tell us about your no claims discount (NCD) if you have one, plus your driving history. If you can provide your driving licence number, it might reduce your price with some insurance providers.Get a quote
Why compare car insurance with Comparethemarket?
Our comparison service is quick and easy to use. Just enter your details and see if you can find a cheap car insurance quote for your new car or beat your current insurance provider’s renewal quote. We compare some of the best car insurance providers to find you a great-value price from our panel.
Let us automatically look for quotes for your car insurance, ahead of renewal
Compare quotes quickly
Get a quote in just 6 minutes
See your savings
You could save up to £328 by comparing through us
 Correct as of September, 2022.
 Based on Online independent research by Consumer Intelligence during August, 2022. 51% of customers could achieve this saving on their car insurance through Comparethemarket.
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What our expert says...
“As living costs and bills continue to rise, many families across the UK are feeling financially squeezed. Saving on your car insurance is always attractive, considering that the average cost of car insurance is more than £500. Although it might seem easier to make smaller monthly payments, if you’re in a financial position to be able to pay your car insurance policy annually, you’ll save on the monthly interest.”
- Alex Hasty, Insurance and finance expert
 51% of our customers were quoted less than £570.09 for their fully comprehensive car insurance in September, 2022.
What types of cars can I insure?
As well as insurance for standard cars, we can help you find the right cover for cars that are a bit different.
There’s no one definition of a classic car, but insurance providers consider it to be one that’s at least 15 years old.
We can help you find cheap cover for your classic, provided it was manufactured from 1970 onwards.
High-performance cars can be attractive to thieves, and they’re likely to be driven faster than regular cars – so it’s not surprising that sports car insurance can be expensive. Compare with us and see if you can find the right deal for your pride and joy.
Cars imported into the UK can be more expensive to insure because insurance providers may find it harder to assess their risk. Whether yours is a parallel import or a grey import, it’s important to find the right cover for your imported car.
While some modifications, like fitting an immobiliser, could cut the cost of your car insurance, other cosmetic and performance modifications can make them riskier from an insurance provider’s point of view. Understand how car modifications can affect your car insurance and find the right quote for you.
Sales of electric cars are growing. But these vehicles can be more expensive to insure than conventionally fuelled cars because the sophisticated technology they use can make them more expensive to repair.
Green cars include electric and hybrid vehicles as well as cars that run on biofuel, hydrogen or LPG. Find out about insuring your hybrid car.
What other types of cover can I get?
Get cover to suit the way you use your car. You might want to look at:
Business use cover
If you use your car for work, business car insurance could cover you.
Going to be driving in Europe? Make sure you have the car insurance cover you need.
Insuring several cars registered at the same address under a multi-car policy could be cheaper than insuring them separately.
Younger drivers in particular may benefit from telematics insurance, also known as black box insurance. Your premium is based on data about your driving from a telematics device installed in your car or a telematics smart phone app.
Excess insurance can cover the cost of your excess – the amount you have to pay towards a claim on your insurance.
How can I get cheaper car insurance?
There’s plenty of things you could do to help you save money on your car insurance policy:
Choose your car wisely
If you’re buying a new car, check the insurance group that it’s in. You may be able to find something similar in a lower group that’s cheaper to insure.
Build up a no-claims discount
If you can avoid making claims on your car insurance, you’ll build up a no-claims discount (NCD). This increases every year and could make your premium cheaper.
Increase your voluntary excess
Increasing the amount you choose to pay towards a claim could lower your premium – but you’ll have to be sure you can pay the excess if you need to claim.
Black box insurance, which uses a device to monitor your driving, could be a way of getting a cheaper premium – especially for young or inexperienced drivers, or older drivers with low mileage.
If you can afford to, paying for your premium annually will save you money because you won’t pay any interest (which you might do if you pay by instalments).
You could pay more than you need to if you let your policy auto renew. Once you’ve registered with us, we’ll automatically search for cheaper quotes from different providers before your renewal.
Frequently asked questions
Why is car insurance for new drivers more expensive?
Is it better to pay car insurance annually or monthly?
Typically, paying your car insurance annually offers the best price. Whether it’s better to pay for your premium annually or each month will depend on your circumstances.
Paying an annual lump sum is usually cheaper than paying monthly. A monthly payment plan could mean you pay more 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?
To estimate your mileage:
- Work out how many miles you drive every day or week, then add them up to work out your annual use.
- Or check your MOT certificate or car service record, which will show how many miles you’ve driven. Use this as a basis to calculate your future mileage.
Mileage can affect your car insurance premium – the more you drive, the more of a risk providers consider you to be. Be as accurate as you can when you estimate your mileage. If you underestimate, it could invalidate your policy. If you overestimate, you could end up paying more than you need to.
How do I work out my car’s value?
To work out your car’s value, you can use a free valuation tool like the one from Autotrader. Or look at used car listings to see the prices of models the same as yours that are of a similar age, condition and mileage.
When you compare car insurance with us and enter your registration number, where possible we’ll give you a valuation figure based on the car’s market value – the amount you’d receive if your car was written off.
How long is my quote valid for?
Some insurance quotes last as long as 60 days, but some can change at any point. When you compare car insurance with us, you can save your searches but you won’t necessarily get the price that you saved when you come back to buy your policy.
Will I be charged if I cancel my policy?
If you cancel your policy within the 14-day cooling off period, you might have to pay an admin fee but you’ll get a refund minus the days the policy was active for. If you cancel later on, you may have to pay cancellation fees and admin fees. You may or may not get a refund, depending on the circumstances and whether you pay for your policy annually or monthly.
How do I claim on my car insurance?
To make a claim on your car insurance:
- Check your policy documents for details of how to claim and any time limits.
- Contact your insurance provider directly.
- Get a crime reference number from the police if your car has been stolen or vandalised.
- Gather the information you need to give to your insurance provider, including details of the other driver(s) and any witnesses. You’ll need to get all these details at the scene.
You must always tell your insurance provider if you’ve had an accident - whether you claim or not. If you don’t tell them, you could invalidate your policy.
When might a claim be rejected?
There’s a few reasons an insurance provider might not pay your car insurance claim. It might be that:
- You’re not covered for what you’re trying to claim for
- There’s a dispute about who’s at fault in an accident
- The provider believes you’ve invalidated your car insurance – perhaps by giving inaccurate information or not telling them about something they should know.
If your claim is turned down and you don’t think it’s justified, you can take action. Find out what to do if your car insurance provider won’t pay out.
I had to make a claim last year. Will my insurance go up?
If you made a claim last year, you’re likely to pay more for your car insurance. In fact, your premium may go up even if you have an accident and don’t make a claim, because the insurance provider might consider there’s more of a risk of you being in another accident.
Your no claims discount that shouldn’t be affected if its protected, but your basic premium is still likely to go up.
What does car insurance excess mean?
Car insurance excess is the amount you’ll have to pay towards a claim on your insurance. There are two elements to car insurance excess:
- Compulsory excess – this is set by the insurance provider. You might have to pay an additional compulsory excess if you drive a high-performance car or if you’re a young driver.
- Voluntary excess – this is the amount you agree to pay in addition to the compulsory excess. Agreeing a higher voluntary excess can reduce the cost of your insurance, but you’ll need to make sure you can afford to pay it if you make a claim.
How does telematics work?
Telematics or ‘black box’ insurance uses technology to monitor the way you drive and transmits the data to your insurance provider. If you drive safely, it could lead to cheaper car insurance.
Telematics works either through a GPS device – a black box – fitted in your car or a smartphone app. It records how you corner, brake, your speed, the time of day and how far you drive, for example.
Black box insurance provides evidence that you’re a safe driver and could reduce your premiums, making it particularly useful for young and inexperienced drivers. But older drivers with low mileage may also find it can help save them money.
Find out about telematics insurance.
Can my parents help me get cheaper car insurance?
What is a no claims bonus?
A no claims bonus, also called a no claims discount or NCD, builds up every year you have car insurance without making a claim. You can accumulate up to five years and sometimes more, depending on the insurance provider. Your NCD can cut the cost of your car insurance when you renew. You can also opt to protect it so that it’s not affected if you do make a claim.
What do our customers say?
Based on 102,543 reviews, our customers rated us 4.6 out of 5.
Saved £160 and stayed with same ProviderBritpart • 09/09/2021
I got a great price for my car insurance, I would definitely recommend to friendJTHOM • 09/09/2021
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