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Car insurance price index

The most comprehensive analysis of car insurance pricing in the UK

The overall picture

Car insurance prices continue to rise

The cost of car insurance continues to rise, with UK drivers now paying £586, on average. That’s according to the latest Confused.com car insurance price index, powered by WTW. The figures show a £72 (14%) increase in the past 12 months. This is the highest yearly increase to car insurance prices in the last 5 years.

Car insurance price index 2022 graph

Average prices by region

Drivers in London saw the biggest increase for car insurance prices

Inner London was the region that saw the biggest rise in premiums over a 12-month period, with drivers now paying £936, on average, for their car insurance. That’s an annual increase of £132 (16%). The second biggest increase for car insurance was in Northern Ireland, with an increase of £106 (20%) in the past 12 months. That means drivers in the region are paying an average premium of £631.

Car insurance price index  2022 regions map

Complete regional insurance pricing data

Region Average premium Annual change (£) Annual change (%) Quaterly change (£) Quarterly change (%)
East of England
£ 492
£66
16%
£29
6%
Leeds/Sheffield
£ 669
£77
13%
£30
5%
London - Inner
£ 936
£132
16%
£54
6%
London - Outer
£ 741
£93
14%
£37
5%
Manchester/Merseyside
£ 737
£91
14%
£36
5%
Midlands - East
£ 575
£58
11%
£32
6%
Midlands - North
£ 543
£56
11%
£30
8%
Midlands - West
£ 697
£77
12%
£38
6%
North
£ 504
£53
12%
£29
6%
North East
£ 518
£60
13%
£28
6%
North West
£ 560
£64
13%
£26
5%
Northern Ireland
£ 631
£106
20%
£37
6%
Scotland - Borders
£ 391
£64
20%
£25
7%
Scotland - Central
£ 505
£73
17%
£28
6%
Scotland - East & NE
£ 431
£69
19%
£32
8%
Scotland - Highlands & Islands
£ 420
£61
17%
£26
7%
South
£ 468
£61
15%
£31
7%
South Central
£ 560
£67
14%
£34
6%
South East
£ 496
£60
14%
£32
7%
South West
£ 395
£49
14%
£22
6%
Wales - Central & North
£ 409
£56
16%
£23
6%
Wales - South
£ 473
£51
12%
£22
5%
West
£ 443
£54
14%
£26
6%

Average prices by age

Young drivers still paying high premiums

The latest data reveals that young drivers are still paying more than £1,000 for their car insurance. Figures show that drivers aged 18 are currently paying £1,581, on average. That’s an annual increase of £202 (15%), on average. Generally, drivers aged 32 and younger faced the biggest annual increases of £100 or more. Older drivers have also seen increases in the past 12 months. Drivers aged 69 saw a £32 (11%) year-on-year increase, on average.

How does my age change my insurance costs?

Find out how age and other factors can determine how much you pay for insurance.

Car insurance price index 2022 age image

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Average prices by gender

Men pay more than women for car insurance

Men continue to pay more than women for their car insurance, but costs have increased for both over a 12-month period. On average, car insurance costs have increased by £79 for men and £60 for women. Male drivers now pay £628, while female drivers pay £516, on average.

Car insurance price index 2022 gender image

Car insurance calculator

How do your prices compare to the rest of the nation? Use our car insurance calculator to look at the average premium for your age and region.

Want more information about the price index?

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