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Here’s what you’ll need to get a car insurance quote.
Prices have fallen by £38 in the past 12 months, making car insurance 5% cheaper than this time last year. The latest figure of £719 is slightly (£8) more expensive than just 3 months ago, marking the first time prices have increased since the end of 2023.
In general, the older and more experienced a driver you are, the cheaper your insurance. This means young drivers are usually hit the hardest with policies sometimes costing thousands of pounds.
Explore the information on different age groups to find out more about why prices vary and tips to save money on your cover.
| Age group | Annual price | Monthly equivalent (without interest)^ |
|---|---|---|
| 17-20 | ||
|
17-20
|
£1,813
|
£151
|
| 20-29 | ||
|
20-29
|
£1,255
|
£104.58
|
| 30-39 | ||
|
30-39
|
£850
|
£70.83
|
| 40-49 | ||
|
40-49
|
£699
|
£58.25
|
| 50-59 | ||
|
50-59
|
£552
|
£46
|
| 60-69 | ||
|
60-69
|
£459
|
£38.25
|
| 70+ | ||
|
70+
|
£482
|
£40.16
|
^Monthly equivalent price calculated by dividing the average annual cost by 12. Estimates exclude any interest that may be applied to a policy when opting to pay monthly. Insurers usually charge interest for spreading the cost.
For drivers aged 17 to 20, car insurance is among the most expensive, with the latest average policy costing about £1,813***.
It’s frustrating, but there’s a reason - insurers see new drivers as higher risk. Less experience means more chance of something going wrong. But thankfully, there are ways to bring these costs down.
Find out more about young driver insurance.
By now, you’ve probably got a few years of driving under your belt. Usually that means insurance starts to get a bit cheaper, with 25 year olds now paying an average of £1,206***.
That said, prices can still be high if you’ve had a claim, points on your licence, or not built up much of a no-claims bonus yet.
More information about car insurance for young drivers.
Once you're past your 20s, you'll usually start to see a bigger decrease in your car insurance prices. The latest average policy for 35 year olds costs about £837***.
You’ve likely built up experience and maybe a decent no-claims bonus too.
Insurance costs are often still fairly low at this stage, with over 40s paying an average of £598***. But they can start to creep up again as you approach 70.
That’s because insurers factor in things like your age, health, and how often you drive.
Find out more about over 50’s car insurance.
Once you hit 70, you’ll need to renew your driving licence every 3 years.
At the same time, insurers may start to reassess your risk level – which can sometimes lead to higher costs, even if nothing about your driving has changed. The latest average policy costs about £482***.
Find out more about car insurance for over 70s.
Our car insurance calculator helps you get an idea of the average car insurance prices for someone of your age, gender and location. We look at data from over 6 million car insurance quotes taken from our quarterly car insurance report.
The price you pay for your car insurance policy depends on your personal circumstances.
***Figures are sourced from Confused.com’s average car insurance prices report, which analyses over six million car insurance quotes each quarter to reflect average UK car insurance premiums. Data from March - May 2026.
"Car insurance prices have started to creep back up again. Our data shows the average comprehensive car insurance policy rose by 1% from £711 in Q1 2026 to £719*** last quarter, the first increase since December 2023.
"The Association of British Insurers (ABI) has also seen the same shift, with premiums up £6 (1%) and a record £3.2 billion paid out to car insurance customers as claims costs rise."
**Single annual policy. App only. Maximum claim limit. One regular hot drink per month for a year, only available via the Confused.com app. T&Cs apply.
Want a cheaper car insurance quote? Follow these simple tips:
Overestimate, and you pay more than you should. Underestimate, and you risk invalidating your policy. The UK avaerage is around 7,100 miles each year, according to the Department of Transport.
An older, experienced driver can lower your price, but adding a younger driver could push it up. Find out more about adding a named driver to your policy.
Some job titles cost more. Be accurate, but don’t tweak it just to save, you could invalidate your policy. See our guide on the cheapest and most expensive job titles for car insurance.
A driveway or garage can be cheaper compared to parking on the road . If you don’t have a driveway there are other ways you can make your car more secure.
Paying in one go is usually cheaper than paying monthly, as insurers charge interest for spreading the cost. If you can afford it, pay upfront and pocket the savings!
Our data still shows that the cheapest time to buy your car insurance is around 28 days2 before your policy start date, so it pays to compare quotes early rather than waiting for your renewal letter to land.
Want more money-saving tips? Check out our full guide on how to get cheap car insurance, or see the cheapest cars to insure!
2Data from Confused.com (June - August 2026) reveals that the best time to purchase a comprehensive car insurance policy is 28 days before your existing policy is due to renew.
There are 3 main levels of cover to choose from. It's a legal requirement to have at least third party cover in place. Whichever you choose, make sure to understand what's covered and any excess you might have to pay if you need to make a claim.
Even comprehensive insurance doesn’t cover everything. Car insurance optional extras can provide added protection, and you might want to consider these upgrades:
Yes, you can add named drivers to your car insurance policy. Just provide their:
The main driver should be the person who drives the most! Named drivers should only use the car occasionally.
Maybe! Some policies include Driving Other Cars (DOC) cover—check your insurance certificate to be sure.
Getting a quote won’t impact your credit rating. Providers only run soft searches, which are visible to you but don’t affect your score.
Only paying monthly triggers a ‘hard search’, this is just to check affordability.
1Correct as of July 2026
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