Car insurance calculator

Our insurance calculator helps you get an idea of your car insurance prices based on your age, gender and location. Our calculator uses anonymised data on over 6 million car insurance quotes taken from our quarterly car insurance price index.

Why do we ask about your gender? In 2012 the EU gender directive was introduced to stop insurers pricing based on gender. Since then the pricing gap between genders has shrunk, however, it’s still common to see differences in price between men and women. This is for several reasons, but it largely comes back to the data insurers have seen.

For example, men tend to drive more expensive cars with bigger engines that can be more expensive to repair. Meaning if they go on to make a claim, that claim will likely be for a higher amount.

By telling us your gender it means we’re able to give you a better idea of what prices are like in your area and age group.

Our price index is the most comprehensive analysis of car insurance pricing in the UK. Every 3 months we publish an update to the index using data on insurance quotes collected over the previous 3 months. The data lets us share insights and analysis into car insurance prices across the UK.

By looking at such a large number of car insurance quotes each quarter we're able to confidently see how car insurance prices are changing by age, gender and region across the UK.

The price you pay for car insurance is unique to you. Insurers base your price on risk factors that are specific to you such as:

• Your age as insurers generally see younger drivers as less-experienced, which is a higher risk factor. They cover this additional risk by charging you more. If you stay claim-free, you should see your premiums go down as you get older. 


• Where you live also matters to insurers. Different areas of the country are more prone to crime, which increases the risk of your car being stolen or broken into. Insurers calculate this risk when making you an offer. It’s not just crime though, insurers will also look at insurance claim rates in your area and factor that in when giving you a quote.

• Your driving history tells insurers a lot about the type of driver you are. If you’ve made an insurance claim before or have any driving convictions, insurers might view you as a higher risk. If insurers think you’re more likely to make a claim, your premium will cost more. Equally if you stay claim free and build up a no-claims bonus, insurers will reward you with a discount.


• The car you drive matters because not all cars are classed the same. Insurers use insurance groups to give different makes and models a group from one to fifty. Things like how powerful the car is, security, availability of parts and cost of repairs all go towards deciding which group a car falls into. Generally, those in lower groups are cheaper to insure and those in higher groups cost more.

Find out more about how car insurance is calculated.