Average cost of UK car insurance

Manchester & Merseyside and the North West see the biggest decreases

Car insurance prices have dropped across all UK regions, but some areas have seen bigger decreases than others. In particular, prices in Manchester and Merseyside and the North West have fallen by 19% in the past 12 months. In Manchester & Merseyside, this equates to a £204 saving, bringing the average premium in the region to £859. In the North West, drivers are now paying £154 less year-on-year, with the average price now £676.

Meanwhile, Inner London is the most expensive area for car insurance in the UK, with premiums now £1,149, on average.

Men pay more than women for car insurance

While insurers can’t price based on gender, men typically pay more for their insurance than women. However, both are benefitting from a drop in prices. Premiums for male drivers fell by £139 (15%) over the past year to £791, on average. Meanwhile, women now pay £642 on average following a £130 (17%) decrease compared to this time last year. Men tend to have higher risk profiles than women, which is why they might see higher prices for their car insurance. For example, men are more likely to drive expensive cars with larger engines.