When is the most suitable time to switch car insurance?

If you want to save money on your car insurance, our research shows that you should get a quote three weeks before your renewal date.

Daniel Hutson From the Motor team
minute read

How does switching earlier affect different age groups of drivers?

Our data shows that younger drivers tend to save the most money by switching their car insurance three weeks early. A driver under the age of 24 could make an average saving of £370.94 compared with switching on the day the policy needs to start, or £204.37 for the average premium over the 30 days before the start date.

Drivers within the 25-34 age group could save, on average, £274.01 by switching 21 days before their renewal date. The average cost at that time is £621.83, compared with £895.84 on the day.

By renewing 21 days ahead, drivers aged 35-44 could pay on average £424.95 compared with £662.66 on the day or see savings of £237.71 across the average for the month.

Split 1

The benefits to older drivers are smaller, but definitely still worth having by being organised and getting a quote three weeks ahead.  

If you fit into the 45-54 category, you can still find joy in a substantial saving of £259.35 against renewing on the policy start date.

Drivers aged between 55 and 64 save a little less – £220.69 against renewing on the expensive policy start date. It’s older drivers over the age of 65 who tend to save the least: £172.22 compared with renewing on the day itself.

If you are a young driver you could gain more valuable insights about keeping your premiums low in our young drivers report.  

Older drivers might find our guide to over 50s car insurance useful

All average price amounts based on Compare the Market data from 1 January 2019 to 1 April 2019. You may find a cheaper or more expensive quote based on your personal circumstances.

Compare car insurance and you could save money

Want to know if you could save on your car insurance? Compare car insurance in minutes to see if you can find a great deal.

Looking for a quote?

Compare car insurance in minutes to see if you can save

Get a quote