Car insurance price index

The most comprehensive analysis of car insurance pricing in the UK

The overall picture

Car insurance prices are over £100 more expensive than a year ago.

Car insurance prices have accelerated 14% in a year, equivalent to a rise of £101, according to the latest Confused.com car insurance price index powered by Willis Towers Watson. This means a driver can now expect to pay £838 for a typical comprehensive car insurance policy.

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Comprehensive car insurance price index

Q4 2012 - Q3 2017 - Average price per quarter

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Average prices by region

Motorists in the Borders of Scotland hit hardest by price hikes.

The Borders of Scotland have seen the greatest quarterly and annual increases in the cost of their car insurance, more than any other area of the UK. Premiums increased by £76 this quarter equivalent to a hike of 12%. And year-on-year drivers in the region saw their prices go up by £164 on average, a percentage rise of 32%.

Average prices by age

Some older age groups are paying more than ever, while 17 year olds now have the most expensive premiums.

Drivers aged between 57 and 61 years old and between 66 and 69 years old are now paying more than they have ever paid for their premiums. And 17 year olds have now swapped places with 18 year olds to pay the most expensive car insurance prices of any age group.

Average prices by gender

Both men and women have seen annual rises, paying £890 and £774 respectively.

Men and women have seen their prices go up sharply this year by 14% (£109) and 13% (£91) respectively. Even though the rules prohibit insurers to assess a driver’s risk on their gender, the data shows men still have poorer claims experience than women, based on the value of claims, and this is reflected in the price of their premiums. This is linked to the fact that men tend to drive more expensive cars with larger engines than women and, on average, they have more convictions.

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