Car insurance

Compare quotes and you could save up to £254*

Get a car quote
Takes about 5 mins

Retrieve a quote

Buy car insurance and choose a freebie with Rewards

How to claim

    Hello Fresh logo
    Free recipe box
  • IM0 logo
    12 free car washes
    Halfords logo
    £20 to spend
    Dominos logo
    £20 to spend

Single annual policy. HelloFresh 18+ subscription service, geographical exclusions apply. T&Cs apply.
*Based on data provided by Consumer Intelligence Ltd, (May '21). 51% of car insurance customers could save £254.30
**Must be a like-for-like policy T&Cs apply

Take the confusion out of car insurance

As the UK's first and longest-running comparison site, we’re dedicated to saving you money, and we’ve got lots of experience in helping out drivers like you. We work hard to find you our best car insurance quotes with no fuss or confusion. If you’re a new or existing customer, getting a quote is easy and takes about 5 mins.

Looking for a little extra? Rewards is our way of saying thanks. You'll get to choose a free gift when you buy your car insurance through us, and when we say free, we mean free!

Don't worry if you've already had your renewal offer. It doesn't take long to get a new quote and you could save up to £254*. We even guarantee to beat your renewal price**, and if we don’t, we’ll pay you the difference, plus £20!

Fill in your details

You'll need to tell us some details such as type of car, postcode and job

Compare quotes

We’ll compare up to 120 car insurance companies to help find you the best price

Choose your insurer

We’ll show you a list of quotes and offers from companies. Simply choose the best option for you

What details do I need to compare quotes?

Get a car insurance quote in minutes and if you’ve used us before, it’s even quicker than that. Having the following details at hand can speed things up:

Details of the car

Icon representing a car

The car's number plate is useful, but not essential. Please declare any modifications.

No-claims bonus (NCB)

Icon of a piece of paper with writing on it

Details of your NCB in years. You can request this from your current insurer.

Details of any other drivers

Icon of two people

You’ll need other drivers’ names and licence details to add them to any policy.

Driving licence & convictions

Icon representing a driving licence

Type of licence; how long you've had it; details of any points or disqualifications from the last 5 years.

Previous claims or accidents

Icon of a piece of paper with a pound symbol

Date, claim cost and accident type for any accidents or claims in the last 5 years.

Most of the details you'll need will be in your recent car insurance documents. They'll also show any no-claims bonus (NCB) you have that could give you a discount on your insurance. Had a quote with us before? Log in and review your saved details to make things quicker.

What level of cover should I choose?

There are three main levels of car insurance to choose from but it's worth comparing prices as the lowest level isn't always the cheapest option.

Third-party only Icon of a piece of paper with three people

The lowest level of cover available. It insures you against damage caused to someone else or their property, including your passengers, as the result of an accident. It doesn't cover your car against repair or replacement.

Third-party, fire and theft Icon of a piece of paper with three people

Offers the same level of cover as third-party, but also covers your car for repair or replacement if it's stolen or damaged by fire. Find out more.

Comprehensive Icon representing a checklist on a page

Comprehensive car insurance gives you the most protection, covering you and your car as well as other people and their property. Although it offers the most protection, comprehensive car insurance can sometimes be the cheapest of the car insurance policy types.  

We've explained the three main levels of cover in our guide.

What are the different types of car insurance available?

A standard policy will usually cover a single car for 12 months. But, depending on your needs, other types are available. These include:


Icon of two cars

Insure all the cars at your address and get a discount.

Find out more


Icon of a car with a clock

Short-term cover from one to 28 days.

Find out more


Icon of a car with a learner plate

Cover for those learning to drive in their own or someone else's car.

Find out more

Black box / telematics

Icon representing black box insurance

Uses an app on your phone or box installed in your car to monitor your driving. Information such as when you drive, your speed, braking and handling is captured and shared with the insurance company to base policy prices on.

Find out more

Classic car

Icon representing a classic car

Cover specifically designed for owners of classic cars. For insurance purposes, a classic car can be any car that's older than 15 years.

Find out more


Icon of a car and tick

If you use your car for more than just domestic use, including business driving away from your normal place of work, you'll need a business policy.

Find out more

Car insurance classes of use

When getting a quote, you'll also need to tell us how you use your car. There are 3 options:

Social only Icon of two people

This covers you and any named drivers for social only driving. Suitable if only use your car for things like visiting family and friends, shopping or holidays. It doesn't include cover for commuting to a place of work. 

Social and commuting Icon representing a car

Covers you and any named drivers on the policy for social use, as well as commuting to a permanent place of work, or driving to the train station while you catch the train to work. 

Business driving Icon of a car and tick

If you use your car during working hours for work purposes such as driving to another site as part of your job.

Find out more in our guide to car insurance classes of use.

"Simple, straightforward, great quotes, efficient, speedy. Brilliant!"
Paul - March 2021 5 gold stars
of customers would recommend after buying car insurance
Excellent service. Managed to save a considerable amount of money on my car insurance!
Patricia - March 2021 5 gold stars

How can I get cheap car insurance?

The easiest way to get cheap car insurance is to compare prices. The average comprehensive policy now costs £538 a year***, so it's more important than ever to shop around.

There are a few things you can do that could help you pay less for your car insurance:

Consider the car you drive Light blue icon of a car with dark blue wheels

More powerful cars tend to have more expensive accidents, can be pricier to repair and fall into higher car insurance groups. Older cars with more miles on the clock, smaller engines and lower price tags usually fall into lower car insurance groups.

Increase your voluntary excess Icon representing a driving licence

Prices may change if you're willing to a pay a little more towards any claims. Make sure to also consider any compulsory excess listed on a policy, as you'll need to have funds available to cover the total policy excess.

Add a named driver Icon of two people

Adding an experienced driver to your policy can lower prices. You should always list the person who drives the car most often as the main driver, and any occasional drivers as additional.

Extra security Icon of a question mark

Increasing the security of your car above the standard manufacturer level can help, but even basics like parking off-road can affect prices.

No-claims bonus Icon of a piece of paper with writing on it

Building up a no-claims bonus can help shave pounds off your premium.

Telematics Icon representing black box insurance

If you're a young or inexperienced driver, black box policies can make car insurance more affordable.

Car insurance policy features (add-ons)

Once you’ve got your quote, it’s also possible to include a selection of add-ons or extras for added peace of mind: 

Motor legal protection could help you recover certain uninsured losses that aren’t covered by your own car insurance policy, if you’re involved in a road accident that wasn’t your fault. It’s also sometimes known as legal cover.

Breakdown cover could help you get back on the road as quick as possible. There are a range of levels to choose from including local recovery, national recovery and European cover.

Courtesy car can keep you on the road while your car gets repaired after an accident.

Windscreen cover for repair or replacement of your windscreen following an accident.

Personal accident cover can provide extra cover against injury and/or death caused by an accident.

You may find some insurers include these add-ons as standard on their policies, so check the small print to see exactly what’s covered. If there are any extras you’re particularly interested in, it’s easy to choose an add-on once you’ve got a quote. We’ll then recalculate your prices to show policies that include it.

Find out more about car-insurance add-ons.

A list of car insurance policy features 

How much does car insurance cost?

The average price for an annual comprehensive car insurance policy is £538***. That’s a £87 drop over the last 12 months.

That price is an average of lots of quotes. Your price will vary - it’s based on many factors like your age, where you live and the car you drive. Find out more about how car insurance is calculated

But, despite the drops, some drivers are still seeing an increase at renewal time. Now is the time to shop around and compare your best prices.

Interested in how prices for your region, age or gender have changed? Take a look at our price index calculator to get an estimated cost on your car insurance.

***Price based on the Q1 2021 car insurance price index

Graph showing average price of comprehensive car insurance during Q1 2021

What our expert says:

"Don't settle for your insurer's renewal offer. Take just five minutes to compare prices with us and you could save £100s. If you're organised, you'll usually see your cheapest price about 3 weeks before your insurance is due."
Alex Kindred car insurance product manager signature
Alex Kindred, Car insurance Product Manager

Need more help?

How has coronavirus affected car insurance?

The ongoing coronavirus pandemic has changed the driving habits of many UK drivers. The increased number of people working from home, plus travel restrictions means we’re driving less than we used to.

If you’re going to continue using your car less, it might mean you pay less for your insurance. If you’re renewing your policy, make sure to update your mileage and how you use your car as this will affect your price.

If your car insurance isn’t up for renewal but your occupation has changed, for example you’ve become unemployed or if you now have a second job, you should let your insurer know. If you’ve been furloughed, there’s no need to let your insurer know. But once the furlough scheme ends you should let your insurer know your current employment status.

Find out more information on the impact of coronavirus on drivers.

Is it cheaper to pay for car insurance annually or monthly?

Typically it's cheaper to pay for insurance in one go. Opting to pay monthly via direct debit could end up costing you over 15% extra (based on data December 2020 - January 2021).

Do I need a credit check to get insurance quotes?

When you get quotes through, you'll usually see 'soft searches' on your credit report. These are nothing to worry about. They're only visible to you and don't affect your credit rating. A 'soft search' is usually just used to confirm your identity.

The only time you'll see a 'hard' search on your credit history is if you choose to buy car insurance and pay for it monthly. This is because the monthly payment is paid over a contract period, usually 12 months, and the insurer needs to check you'll be able to cover the cost over the length of the policy.

What is voluntary excess?

This is the amount you'd have to pay in the event of a claim, in addition to any compulsory excesses set by the insurer.

Is my pickup classed as a car or a van?

If you have a pickup and you're looking for insurance, you'll need to go to our van insurance page to get a quote. This is because 4x4s are generally classified as cars and pickup trucks aren't. This is due to their longer wheel base and the fact they often exceed 3.5 tonnes.

What is a no-claims bonus?

A no-claims bonus (NCB) is the number of years that you haven’t claimed on your car insurance policy. Insurers offer discount for each year you haven’t claimed. The more years you have, the bigger the discount as you’re less likely to claim in the future.

I have previous no-claims-bonus (NCB) on a company car. Can I use it for my own car insurance?

Most insurance companies will only accept your NCB if you've earned it as a policyholder of a privately insured car.

When getting a quote, please enter your total NCB years as 0.

It’s best to check with your chosen insurer before buying the policy to see if they’re able to accept any NCB from a company car.

Does my job affect my car insurance?

Your job title, the industry you work in and your employment status will affect the price of your quote. This is because insurers use your occupation as a rating factor, and people in certain professions are seen as risker than others.

What if I can't find my job title?

If you can’t find your exact job title, it could be listed under a similar description instead. For example, if you’re an IT manager, try entering ‘computer’ or ‘manager’ to see if another option fits the bill.

If you’re worried that your choice doesn’t describe your job properly, don’t be. You’ll be able to confirm it with your insurer before you go-ahead and buy.

Will the annual mileage I do affect the price of my quote?

Generally, yes – the price of your quote will change if you alter the annual mileage.

Your mileage is considered by insurers when calculating your price. Make sure you’re as accurate as possible, as underestimating your mileage could invalidate a future claim.

How can I work out my annual mileage?

If you know on average how many miles you drive per week, you can get an estimate by multiplying that figure by 52 to get a yearly figure.

Or if you've had your car for a year or more, you can compare the mileage on last year's MOT document to this year's. If you don't have the documents to hand, you can use the GOV.UK MOT checker to find the details.

Will my car insurance cover me in Europe?

If you have a standard 12-month car insurance policy in the UK, you’ll usually be covered to drive in some European countries for up to 30 days. The countries that are covered and the level of cover you have can vary depending on your insurer.

If you have comprehensive cover in the UK, it doesn’t mean you’ll automatically have the same cover while driving abroad. You may only have the most basic third-party cover when you’re driving in Europe.

How long are quotes valid for?

This can change depending on the insurer offering you a quote. For example, some quotes expire the same day you get them, and others can last longer.

You can find the expiry date for each quote below the annual or total price. You can find your previous quotes under the ‘quotes’ section of your account.

How do I work out my car’s value?

When you get a quote, we’ll estimate the market value of your car based on averages of the make and model, and age. If you want to find out the exact value of your car you can use our free car valuation tool.

How do I claim on my car insurance?

The first step to making a car insurance claim is to contact your insurer. You’ll need to provide some details for your insurer

Find out more about how to make a car insurance claim.

I made a claim last year, will my insurance go up?

Unfortunately, your insurance price is likely to go up if you’ve claimed. Even if the accident wasn’t your fault, a claim will usually result in an increased price. If you’ve lost your NCB, you’ll also lose out on any discounts that may have been applied to your previous policies.

Will I be charged if I cancel my policy?

Most insurers won’t charge a cancellation fee within the first 14 days of your policy start date. But if you want to cancel your policy after that, you’ll probably face a cancellation fee.

This is typically charged to cover admin fees and documents. Find out more about how to cancel your car insurance policy.

Still got questions? Take a look at our full list of FAQs.

No-claims bonus explained

How does it work? How do you build one up?

How do I save on car insurance?

Clever ways to save.

Can I drive someone else's car?

Why you should check your policy wording.

Do I need comprehensive insurance?

A look at the pros and cons.

How do I cancel my car insurance?

All you need to know about cancelling your car cover.

How to add a named driver to your policy

Adding a named driver to your existing policy needn’t be confusing.

Car insurance traps to avoid

We’re here to clear things up, so you don’t get caught out.

Top 10 cheapest cars to insure in 2021

Cheap needn't mean sacrificing comfort and style.

What our car insurance customers think

"Easy to use. I always get the best price using out of all the comparison sites."
Janice - April 2021
5 gold stars
"So quick and easy to use and always find amazingly cheap car insurance."
Sarah - March 2021
5 gold stars
of customers would recommend after buying car insurance
After buying car insurance, 96% of customers would recommend us (based on 73113 respondents - as of 09/06/21). Read our reviews