Car insurance calculator

How does the cost of your car insurance compare?

Knowing how much you should expect to pay for car insurance can help you find the best deal.

Our car insurance calculator uses data from our most recent car insurance price index. We look at more than 6 million car insurance quotes quarterly to understand how prices have changed.

Try our car insurance price calculator to find out the average car insurance price in your area.

See our handy guide on how to reduce the price of your car insurance for more ways to cut your premium!

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How is car insurance calculated?

The price you pay for car insurance is unique to you. Insurers base your price on things 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 as you get older your premiums go down.
  • 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 insurance claims 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.
  • 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 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.

Why do we ask for 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.

How could our car insurance calculator help you save money?

The pricing data in our calculator can be used to give you an idea of what you might expect to pay. This can help gauge whether your recent quote or renewal offer is fair.

The most accurate way of finding out whether you could make a saving is to get a quote to compare prices. It only takes a few minutes and is even quicker if you’ve our service before.

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