UK average
£882(2)
NI average
£925(2)
(2)Confused.com Q2 2024 price index data.
Historically the average price of car insurance in Northern Ireland has been slightly higher than most parts of mainland UK.
According to the latest Confused.com car insurance price index, this is still the case although the gap has closed. There are a few reasons why insurance can be costlier in Northern Ireland.
According to the Financial Conduct Authority (FCA), costs associated with vehicle repairs are leading to the rise in premiums. In addition, a younger population compared to large parts of the UK and more rural areas could be contributing factors to the costs. These risks create less competition between insurers with many British companies opting against offering cover in Northern Ireland.
In spite of the rising costs, there are ways you can reduce the cost of car insurance in Northern Ireland:
A telematics policy such as black box insurance will measure how, when, and how much you drive. You may face restrictions such as driving curfews or a mileage cap, but you can reduce costs by driving safely and responsibly.
You're more likely to face more expensive quotes the closer you are to your renewal date. Our data shows that you’ll get the best prices by taking out a new policy 18 days(3) before your current one ends. Shopping around and comparing quotes early can help you save money.
Higher risk drivers often choose third-party insurance, assuming it's the cheapest option. Our data shows drivers in Northern Ireland paid £925 on average(2) for fully comp, £1,591 for third party, fire and theft and £2,061 for third party only cover(3).
A change in regulation means insurers can no longer charge existing customers any more than a new customer for a like-for-like policy. But it's likely you'll be quoted more at renewal due to things like rising costs of repairs, or changes to your own circumstances, so it's worth shopping around. You could save up to £523*** just by comparing quotes, and that's what we're good at!
It may seem insignificant, but where you park can impact what you pay. Our data shows that drivers in Northern Ireland who parked on a driveway paid £193 less on average(3) than those parking on the road. So, changing where you park can help you save.
(2)Confused.com price index data Q2 2024.
(3)Confused.com data Q2 2024.
***[car-50pc-sub]
In most cases, yes - but bear in mind the UK is no longer part of the EU, whereas the Republic of Ireland (ROI) is. This means that you're effectively driving abroad, so the level of cover you have while driving in the Republic of Ireland could change.
Here are a few things to be aware of if you'll be driving to the ROI.
Your cover level may vary: Most insurers include 30 days minimum european cover as part of your policy. It's important to note that this may only be on a third party basis. Even if you have a comprehensive policy in the UK, crossing the border could affect your level of cover. Check with your provider first, you may need additional European cover as a policy add-on.
Your cover period may vary: Again, checking your policy documents is crucial - you may have 30 days of European cover included as standard or up to 90 days. It could be that 30 days is the total amount you’re allowed to drive in a year, not simply for one trip. If you’re planning on driving for longer than 30 days, you may need to extend the cover period on your policy. If this isn't an option, you can take out temporary European cover.
Your breakdown provider may not cover you: European breakdown cover isn't typically included with a standard car insurance policy. If you require European car insurance, breakdown cover is an optional extra in the same way breakdown cover isn't necessarily included with a standard policy.
You may need an international driving permit (IDP): You do not need an IDP if you're driving in the Republic of Ireland for less than 12 months. But if you intend on driving for longer than this period, you'll have to apply for a permit. Make sure to check the entry requirements for Ireland before setting off on your trip.
**Single annual policy. New and former Paramount+ subscribers only who sign up at ParamountPlus.com. Subscription required. Auto-renews unless cancelled. 18+. Just Eat website account required, geographical exclusions apply. The year-round reward is provided by Greggs, and consists of one regular hot drink per month for a year, only available via the Confused.com app. T&Cs apply.
"With the cost of Northern Ireland car insurance going up by 50% since last year, it's more important than ever to compare car insurance quotes.
"If you're planning on driving to the Republic of Ireland, make sure to check your policy. You might only have a set number of days you're allowed to drive abroad for. If you're still unsure, you can always contact your insurer."
The level of cover you get will depend on the type of insurance you opt for. There are 3 main types of policies:
Compare quotes with us and you could find yourself saving £100s on your car insurance. Join the millions of drivers who've saved money with us over the last 20 years!
Select a reward on us from Sainsbury's, Halfords, Just Eat or Paramount+ when you buy your insurance through Confused.com. Not only that, you can enjoy a free hot drink from Greggs every month for a year through our app.
We work with our insurance partners to offer you exclusive offers and the best deals. Look out for your 'special offers' highlighted on the prices page when comparing quotes.
It's our promise to you - we'll beat your renewal price. If we can't? We'll give you the difference plus £20, terms and conditions apply.
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Page last reviewed: 20 August 2024
Reviewed by: Louise Thomas
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