Car insurance

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Why compare car insurance?

We think comparing car insurance should be simple. Whether you want to beat your current provider’s renewal quote or insure a new vehicle, our quick, easy price comparison service could help you find a cheaper car insurance deal. You could save up to £262** when you compare car insurance with Compare the Market. 

**Based on Online independent research by Consumer Intelligence during August, 2021. 51% of customers could achieve this saving on their car insurance through Compare the Market.

Frequently asked questions

Why do you need car insurance?

Car insurance 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 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 policies offer the same cover, so always read the small print and make sure you’re happy with any exclusions or limitations.

What types of car insurance are there?

There are three main types of car insurance policy to choose from:

  1. Third party car insurance – this is the minimum level of cover you need to drive on UK roads. It 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.
  2. Third party, fire and theft – this covers the cost of damage or injury to third parties but it could also give you compensation if your car is damaged due to fire or theft or if it is stolen.
  3. Comprehensive car insurance – this 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 a number of things such as medical treatment, legal expenses and accidental damage.

A typical car insurance policy lasts for 12 months and will need to be renewed each year. Your insurance might automatically renew when it’s about to expire, so remember to come back to Compare the Market to get the deal that’s right for you. 

You might want to look into:

Which type of car insurance should you choose?

Car insurance is always a balance between cover and price. There’s no way to choose until you see what the different options will cost you – then you can weigh up the cover you get against the cost of the premiums. 

The price you pay will depend on all kinds of things, including your age, occupation, driving experience, the car you drive and how you use your car. 

Don’t assume that a third party policy is the cheaper option simply because it offers the minimum level of cover. 

To find car insurance that suits you:

What details do you need to get a car insurance quote?

To get a car insurance quote there are a few things 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.
  • 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: your name, how old you are, where you live and the type of job you do.

How can I get cheap car insurance?

Most importantly, you should compare our cheapest car insurance quotes. But there are plenty of things that could help you save money on your car insurance:

  1. Choose your car wisely. See the cheapest cars to insure.
  2. Increase your voluntary excess. Find out more about car insurance excess.
  3. Limit your mileage. Read about the effects of annual mileage on car insurance.
  4. Build up a no claims discount. Read no claims discounts explained.
  5. Consider a telematics policy – also known as black box insurance.

For more ideas, check out our top tips for cheap car insurance.

Is it cheaper to pay car insurance annually or monthly?

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.

Why compare car insurance with Compare the Market?

Comparing car insurance can save you time and help you find a better premium. Whether you’re insuring a new vehicle or looking for a renewal quote, shopping around could save you up to £262**. 

We’ll show you policies based on price, policy cover level, add-ons or annual or monthly payment terms – helping you compare based on your needs. 

**Based on Online independent research by Consumer Intelligence during August, 2021. 51% of customers could achieve this saving on their car insurance through Compare the Market.

What do our customers say?

Based on 102,543 reviews, our customers rated us 4.6 out of 5.

Saved £160 an stayed with same Provider
Britpart • 09/09/2021
I got a great price for my car insurance, I would definitely recommend to friend
JTHOM • 09/09/2021
So easy and fast. Got a great deal half of what my current insurers quoted.
Jak60 • 09/09/2021
Love the way your details are kept which make it easy to review and choose each.
Carol G • 02/11/2021

Car Insurance Providers

We compare a wide range of the UK’s car insurance providers to help you get a great quote. On our providers page, you can see which providers we work with and review the details of their car insurance policies. 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 own or a prospective car – such as its make, model and year – and we can tell you what group it’s in. 

Find a car insurance group