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Car insurance Northern Ireland

Compare cheap car insurance for Northern Ireland

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How much does car insurance in Northern Ireland cost?

Our latest car insurance price index shows the average comprehensive policy price for drivers in Northern Ireland is £581**. Although that’s only £31 higher than the UK average, Northern Ireland is the fourth most expensive region outside of London.

Car insurance prices in Northern Ireland have increased by 11% over the last 12 months.

**Confused.com Q1 2022 price index data

Why is car insurance in Northern Ireland (NI) so expensive?

Car insurance in NI is typically higher than other regions in the UK. This is because there are fewer insurers in the market compared to mainland UK. This brings competition down – resulting in higher car insurance quotes for drivers in Northern Ireland.

There are a few other reasons why drivers in Northern Ireland may pay more for their insurance. One of these is that there's more driving on rural roads meaning annual mileage is likely to be higher.

Faced with high car insurance costs in Northern Ireland, it makes more sense than ever to shop around and compare a range of quotes.

How can I get cheap car insurance in NI?

Car Insurance companies for NI take lots of different factors into consideration when calculating car insurance prices. Here are a few tips which could help you cut the cost of your car insurance in Northern Ireland:

  • Avoid auto renewal
  • Time it right
  • Add an experienced driver
  • Black box insurance
  • Increase your voluntary excess
  • Improve security
  • No-claims bonus (NCB)
  • Avoiding auto renewal and shopping around is the easiest way to save money. If you’ve received your car insurance renewal, we guarantee to beat your renewal1, and if we don’t, we’ll pay the difference plus £20.
  • Time it right. Leaving it too late to get your NI car insurance could mean you pay more than if you get it earlier. Our data shows you’ll usually see the cheapest prices around 3 weeks2 before you need the policy to start. Don’t worry if you’ve missed it though as there are still savings out there to be had.
  • Add an experienced driver to help bring costs down. Adding an experienced driver means you’ll share the time spent driving. But remember, you must always name the person who drives the most as the main driver. Otherwise, you’ll be doing what’s known as fronting, which is illegal and could invalidate your policy.
  • Black box insurance is usually a good option for younger or less experienced drivers. Insurers track your driving using an app on your phone or a small device fitted to your car and offer prices based on your driving habits. If you drive safely, without harsh braking or excessive acceleration and within speed limits you should be able to cut the cost of your car insurance.
  • Increase your voluntary excess. Agreeing to pay a higher excess when you claim is any easy way to reduce your premium. The key is to make sure that you can still afford to pay it, should you need to make a claim.
  • Improve security on your car by fitting a security device such as an alarm or immobiliser. Making your car harder to steal could reduce the cost of your insurance. Considering where you keep your car parked at night can also help.
  • No-claims bonus (NCB). If you stay claim-free for a year you can build up an NCB and start to benefit from lower prices. Each year without a claim adds another year and increases the discount insurers will offer you.
1. Must be a like-for-like policy. T&Cs apply.
2. Based on Confused.com car insurance data 1 September - 15 November 2021

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Does UK car insurance cover you in NI?

Your UK car insurance policy should cover you to drive in Northern Ireland, but it's important to check the details of your policy first.

What do I need to get a NI car insurance quote?

Before you apply for car insurance in Northern Ireland, make sure you have the following information to hand:

Personal details:

  • Your occupation
  • Previous claims or accidents from the last 5 years
  • Additional driver details for anyone you want as a named driver
  • Your driving licence type and number
  • The number of years no-claims-bonus you have
  • Any claims and convictions from the last 5 years

Car details:

  • The registration or make and model of your car
  • Any additional modifications, excluding tow hitches
  • Estimated annual mileage

Compare cheap car insurance for Northern Ireland

Can I cross between Northern Ireland and the Republic of Ireland (ROI)?

You should be able to cross the border into the Republic of Ireland from NI without any problems, so long as you have an up-to-date certificate of insurance.

Most insurers in Northern Ireland include annual cover for up to 90 days in the Republic of Ireland. This is usually automatically included on your policy, so there may be no need to get European cover if you do drive across the border.

The length of cover varies between insurance providers, some offer 90 days, some offer 60. Check with your chosen provider for clarification. You don't need to carry a green card to drive in the Republic of Ireland as it is part of the EU.

Am I covered for ferry crossings?

With ferries from England and Scotland regularly travelling to the Northern Irish ports of Larne and Belfast, it's a convenient route to visit other parts of the UK. If you’re planning on catching a ferry, it’s best to check your policy to make sure you’re covered for accidents while you’re onboard.

What our car insurance expert says

In the past, car insurance in Northern Ireland has generally been more expensive compared with the rest of the UK. But recent figures show that prices are coming down. Even if your quotes are cheaper than last year, we guarantee to beat your renewal, or give you the difference, plus £20***. So it’s worth shopping around!

*** Must be a like-for-like policy. T&Cs apply.

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Alex Kindred

Car insurance expert

After buying car insurance, 96% of Confused.com customers would recommend us (based on 99372 Reviews.co.uk respondents - as of 08/04/22). Read our reviews