The cheapest postcodes for car insurance

Where you live can make a big difference to the cost of your car insurance. Premium prices can vary significantly between postcodes, even if they’re just a few miles apart.

Here’s our guide to the cheapest car insurance postcodes in the UK.

Daniel Hutson From the Motor team
3
minute read
posted

The cheapest postcodes for car insurance

Our experts have put together the cheapest average premiums based on postcodes, as well as the cheapest average car insurance by region within the UK.

Split 1

Top ten cheapest postcode ratings for car insurance

Postcode Average premium**
IM (Isle of Man) £444.96
KY (Fife) £493.14
TQ (Torquay) £497.05
TR (Truro) £514.83
DG (Dumfries) £498.06
EX (Exeter) £499.62
TD (Galashiels) £504.04
HR (Hereford) £506.83
PL (Plymouth) £526.86
IV (Inverness) £518.33 

Cheapest car insurance per region

Region Average premium**
South West £542.87
Scotland £561.10
Wales £614.99
South East £636.89
Split 2
East Anglia  £667.77
East Midlands  £666.37
North East  £658.32
Northern Ireland  £745.02
Yorkshire and The Humber  £755.64
West Midlands  £798.19
North West  £823.68
Greater London  £1,098.23

**Our average premiums are from Compare the Market data from 1 January 2019 to 1 April 2019 and are based on all our customer car insurance quotes, from people with different age ranges, addresses and driving histories. You may find a cheaper or more expensive quote based on your personal circumstances.

How can I cut the cost of my car insurance?

Even if you don’t have the cheapest car insurance address, there are still ways to help cut the cost of your car insurance, such as:

  • lowering your annual mileage
  • building up a good no claims discount
  • increasing your voluntary excess

The good news is that you don’t have to live in one of the cheapest postcode areas to still get a great deal on your car insurance. You could save up to £244*** when you compare car insurance with Compare the Market.

Compare car insurance quotes today, to see if you can save. Quoting with us could be the ideal way to find a cheaper deal.

***Based on Online independent research by Consumer Intelligence during May 2019 50% of customers could save up to £244 on their car insurance premium.    

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