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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 £1,860***.
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 £1,254***.
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 £843***.
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 £564***. 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 £480***.
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 June - August 2026.
“Although we’re seeing average car insurance prices continue to drop, 51% of drivers received a higher renewal price between June and August 2026***. If you accept your renewal price without shopping around, you could be paying more than necessary.
"Comparing quotes is still one of the best ways to save on your car insurance. Our data shows that getting quotes 28 days before your renewal4 is the best time to shop around. Doing so could save you as much as 53% on your policy."
**Single annual policy. App required to claim reward. Maximum claim limit. 12 free Greggs regular hot drinks, based on average £2.25 per drink. 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 average is around 7,100 miles each year, according to the Department of Transport.
Our data shows increasing mileage from less than 5,000 miles per year to 5,001 - 10,000 miles per year sees a 21%2 drop in the cost of insurance. This is because in the eyes of insurers, drivers with very low mileage are often seen as higher risk due to their lower than average driving experience.
For younger drivers aged 17-24, adding a named driver can reduce your premium by 25%. This is because young drivers typically add named drivers with more experience which lowers the risk level.
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. Confused.com data shows customers save around 10%5 by paying annually.
If you can afford it, pay upfront and pocket the savings!
The cheapest time to buy your car insurance is around 28 days4 before your policy start date, so it pays to compare quotes early.
Want more money-saving tips? Check out our full guide on how to get cheap car insurance, or see the cheapest cars to insure!
2Confused.com data for all quotes between June - August 2026 shows that by declaring between 5,001 - 10,000 miles per year rather than less than 5,000 miles per year, you could make a 21% saving your car insurance.
3Confused.com data for all quotes between June - August 2026 for all customers who added at least 1 named driver to their car insurance policy
4Confused.com data for all quotes between 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.
It might not feel like it, but our data shows that car insurance prices have actually been steadily decreasing for the past few years. The average cost of comprehensive car insurance is currently £713, down from £711 in February, and £734 this time last year***.
However, if your renewal has gone up, it could be due to a number of factors. For example:
You can find your renewal date in the policy documents for your existing car insurance. If you know who your insurance provider is, you could also find this by logging into your account with them.
Alternatively, you can check online using the Check Your Vehicle service from the Motor Insurer’s Bureau.
If you buy your car insurance through us, you can also choose to get reminders when your renewal is coming up.
When you buy car insurance, you’ll usually agree to pay an excess on your policy if you make a claim. There’s two types of excess: compulsory and voluntary.
Compulsory excess is set by your insurer. It can vary depending on the part of the policy you’re claiming on.
Voluntary excess is an additional amount that you agree to pay towards claims.
Remember that if you make a claim, you’ll have to pay both the compulsory and voluntary excesses. So, you should always make sure you set your voluntary excess at an amount that you could afford if needed.
Yes, it’s possible to have multiple insurance policies for one vehicle. You might want this if:
However, it might be simpler and cheaper to be added as a named driver to an existing policy. This way, you can share the driving with someone else without needing to manage two separate policies. Just make sure the person listed as the main driver is the one who does most of the driving.
If you do have multiple policies for one car, you can only claim on one. Trying to claim multiple times for the same incident is insurance fraud.
Yes, you can cancel your car insurance at any time if you need to.
Just contact your insurer. You might be charged an early exit fee, and this amount can vary depending on how close you are to the end of the policy.
Remember, if you cancel your current car insurance, you won’t be able to drive your car again until you’ve arranged new cover.
If you do cancel your policy and intend to keep your car, you’ll need to declare it as SORN (Statutory Off-Road Notice).
1Correct as of July 2026
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