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  • Get a quote in less than 5 mins

  • Compare quotes from up to 120 trusted insurers

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*How did we get these figures?

*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (September '21). 51% of car insurance customers could save £258.02

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How to compare car insurance quotes

Getting a quote only takes five minutes, and if you’ve used us before it’s even quicker. Simply log in and check your details are up to date.

  • We’ll compare up to 120 car insurance companies to help find the right policy at the right price
  • We’ll show you a list of quotes to choose from. Here you can view prices monthly or annually and add features (add-ons) that are important to you
  • Once you’ve bought car insurance don’t forget to come back and choose a freebie with Confused.com Rewards

Buy car insurance and choose a freebie with Rewards

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How much car insurance costs

The average price of a comprehensive car insurance policy in the UK is £5491. Your own price will vary based on factors such as your age, where you live, the value of your car and how expensive it would be to repair or replace it.

Your premium tends to get cheaper as you get older. Insurers see young drivers as riskier and therefore more likely to make a claim. This is usually because they have less driving experience and a higher chance of being involved in an accident.

Here are the average costs of policies for different age groups:

Age Average premium1
18
£1,379
21
£1,094
25
£841
35
£490
45
£606
55
£378

1. Confused.com Q3 2021 price index data: Average price of premiums (12 months) between July 2021 & September 2021

How to get cheaper car insurance

Unless you tell them otherwise, most insurers will automatically renew your policy. The cost of insurance goes up and down, so don’t just accept the first price you’re offered, shop around for cheaper prices on your car insurance.

Here’s 10 things you can do that could help you pay less for your car insurance:

1. Adding a named driver can lower prices. But remember, you should always list the person who drives the car most often as the main driver, and any occasional drivers as additional. Otherwise this is known as fronting, which is illegal.

2. Increasing your voluntary excess will change prices as you’re willing to a pay more towards any claims. Be sure to consider any compulsory excess listed on a policy as you’ll need to pay the total amount if you make a claim.

3. Build up your no-claims bonus (NCB) to shave pounds off your premium. Some insurers might ask you for proof of your NCB, you should be able to get this from your previous or current insurer.

4. Pay annually if you can. Most insurers will charge interest or an admin fee if you choose to pay monthly and could end up costing you over 15% extra2.

5. Watch out for unnecessary add-ons, such as breakdown cover or legal assistance, as this will increase the cost of your quote. Only choose the add-ons you need.

6. Picking the correct job title will lower prices as insurers use your occupation as a rating factor when calculating the price of your insurance.

7. Buy your policy early to get the cheapest price. Our data shows the later you leave it, the more you pay for your insurance. We think the best time to buy your car insurance is around 3 weeks before your renewal.

8. Compare different levels of cover, the most basic cover doesn’t necessarily make it the cheapest. In fact, comprehensive policies can often be cheaper even though you get a higher level of cover.

9. Think about how you use your car and pick the cover that matches your needs. Social use, social & commuting and business use offer different levels of cover depending on how you use your car.

10. Be accurate with your mileage so you’re only paying for miles you’re driving. The average yearly mileage is around 7,000 , but think about the types of trips you do and how often you do them. You can even check the mileage between your last MOTs to see how many miles you drove in the last 12 months.

2.Based on Confused.com data December 2020 - January 2021

We compare up to 120 trusted insurance companies to get you our cheapest deal in minutes

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What you need to compare car insurance quotes

If you’ve bought insurance before, your recent insurance documents or renewal offer should include all the details you’ll need. Don’t worry if you haven’t got those to hand though.

Personal details:

  • Your occupation, address and age
  • Any points on your licence as well as the conviction code
  • Previous claims or accidents from the last 5 years
  • Additional drivers you want to add to your policy
  • Your driving licence number -some insurers offer better prices if they know this
  • Details of your no-claims bonus (NCB) in years

Car details:

  • Registration number or make and model of your car
  • Any modifications to your car
  • Estimated annual mileage

If you’ve used us before, you can speed things up by logging in and reviewing your details instead of entering them from scratch. Just make sure to check the details about you and your car are accurate and up-to-date.

Compare cheap car insurance quotes

Choosing the right level of car insurance cover

There are three main options to choose from when buying car insurance. Remember the lowest level of cover isn’t always the cheapest, so you could end up with a higher level of cover for a cheaper price.

  • Third-party car insurance is the lowest level of cover available and the minimum legal level of cover required to drive. It covers you if you damage someone else’s property or injure them while driving, and will cover your passengers too. This level of cover isn’t necessarily the cheapest option.
  • Third-party fire & theft insures you against damage you might cause to someone else, their car or their property, including your passengers. It doesn’t include cover for damage to your own car but does cover repair or replacement of it if it’s stolen or damaged by fire. Find out more about third-party fire & theft.
  • Comprehensive car insurance gives you the most protection, covering you and your car as well as other people and their property. Although it offers the most protection, comprehensive car insurance can sometimes be the cheapest option.

How car insurance quotes are calculated

Insurers consider lots of things when calculating the price of your policy.

Some of the big ones are:

  • Where you live and your postcode will affect your price. Insurance is based on risk, so if you live in a built-up area where there might be more vehicle crime or higher accident rates you can expect to pay more than someone living in a rural area where the risks are lower.
  • Your age is significant to insurers. Generally, the younger you are, the less driving experience you’ll have. In insurers eyes this means you’re more likely to have an accident and make a claim.
  • The car you drive will have a large bearing on how much you pay. Things like the value, availability of parts and power of the car are taken into consideration because cars with modifications, high powered sports cars and expensive cars typically cost your insurance provider more if you need to make a claim.
  • What you do for a living is important as it gives an indication to insurers of how much time you spend on the road.
  • Your driving history including previous claims or accidents will help give insurance companies an idea of how you drive. If you’ve made a claim in the past 5 years, it can affect the cost of your insurance. Driving convictions will also contribute to the amount you pay.

Car insurance add-ons

When you get your car insurance quote, you’ll have the option to add some extra features or ‘add-ons’. Some are included as standard and others are optional. Remember to only add what you need as this could affect your price.

Breakdown cover can help you out if your car breaks down at the roadside. If it can’t be fixed, they’ll usually tow you to a nearby garage or your home. Some policies include onward transport to help get you where you need to go, or European cover if you’re travelling further afield.

Motor legal protection, or legal cover as it’s also known, could help you recover certain uninsured losses that aren’t covered by your own car insurance policy, if you’re involved in a road accident that wasn’t your fault. Depending on the policy, it can include the cost of a solicitor, medical treatment, overnight accommodation, and travel costs.

Courtesy car provides you with a replacement car if yours is in the garage following an accident.

Windscreen-cover pays for repair or replacement of your windscreen, rear window or side windows following an accident.

Personal accident cover pays compensation if you’re injured in a road accident, even if you’re at fault. It will also pay a lump sum if you die in a car accident.

NCB protection allows you to have a certain amount of ‘at fault’ accidents without affecting the bonus.

We’re here to help you get the best price for your car insurance

As the UK’s first and longest-running comparison site, we’re dedicated to saving you money, and we’ve got lots of experience in helping drivers like you.

Whether you’re a new driver buying insurance for the first time or a seasoned pro looking to beat your renewal, we work hard to find you our best car insurance quotes with no fuss or confusion.

Don’t worry if you’ve already had your renewal offer. It doesn’t take long to get a new quote and you could save up to £258*. We even guarantee to beat your renewal price3.

*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (September '21). 51% of car insurance customers could save £258.02
3. Must be a like-for-like policy. T&Cs apply.

What our car insurance expert says

Don’t settle for your insurer’s renewal offer. Take just five minutes to compare prices with us and you could save £100s. If you’re organised, you’ll usually see your cheapest price about 3 weeks before your insurance is due.
Alex Kindred signature

Alex Kindred

Car insurance expert

Need more help?

How has coronavirus affected car insurance?

The ongoing coronavirus pandemic has changed the driving habits of many UK drivers. The increased number of people working from home, plus restrictions on travel and activities means we’re driving less than we used to.

If you’re going to continue using your car less, it might mean you pay less for your insurance. If you’re renewing your policy, make sure to update your mileage and how you use your car as this will affect your price.

If your car insurance isn’t up for renewal but your occupation has changed, for example you’ve become unemployed or if you now have a second job, you should let your insurer know. The furlough scheme officially came to an end on 30 September. If your employment status has changed as a result of this, you should let your insurer know. Find out more information on the impact of coronavirus on drivers.

Is it cheaper to pay for car insurance annually or monthly?

Typically it’s cheaper to pay for insurance in one go. Opting to pay monthly via direct debit could end up costing you over 15% extra (based on Confused.com data December 2020 -January 2021). 

Do I need a credit check to get insurance quotes?

When you get quotes through Confused.com, you’ll usually see ‘soft searches’ on your credit report. These are nothing to worry about. They’re only visible to you and don’t affect your credit rating. A ‘soft search’ is usually just used to confirm your identity.

The only time you’ll see a ‘hard’ search on your credit history is if you choose to buy car insurance and pay for it monthly. This is because the monthly payment is paid over a contract period, usually 12 months, and the insurer needs to check you’ll be able to cover the cost over the length of the policy.

What is voluntary excess?

This is the amount you’d have to pay in the event of a claim, in addition to any compulsory excesses set by the insurer.

Is my pickup classed as a car or van?

If you have a pickup and you’re looking for insurance, you’ll need to go to our van insurance page to get a quote. This is because 4x4s are generally classified as cars and pickup trucks aren’t. This is due to their longer wheel base and the fact they often exceed 3.5 tonnes.

What is a no-claims bonus (NCB)?

A no-claims bonus (NCB) is the number of years that you haven’t claimed on your car insurance policy. Insurers offer discount for each year you haven’t claimed. The more years you have, the bigger the discount as you’re less likely to claim in the future.

I have previous no-claims bonus (NCB) on a company car. Can I use it for my own car insurance?

Most insurance companies will only accept your NCB if you’ve earned it as a policyholder of a privately insured car.

When getting a quote, please enter your total NCB years as 0. It’s best to check with your chosen insurer before buying the policy to see if they’re able to accept any NCB from a company car.

Does my job affect my car insurance?

Your job title, the industry you work in and your employment status will affect the price of your quote. This is because insurers use your occupation as a rating factor, and people in certain professions are seen as riskier than others. Our guide on how job titles affect your car insurance explains more.

What if I can’t find my job title?

If you can’t find your exact job title, it could be listed under a similar description instead. For example, if you’re an IT manager, try entering ‘computer’ or ‘manager’ to see if another option fits the bill.

If you’re worried that your choice doesn’t describe your job properly, don’t be. You’ll be able to confirm it with your insurer before you go-ahead and buy.

Will the annual mileage I do affect the price of my quote?

Generally, yes – the price of your quote will change if you alter the annual mileage.

Your mileage is considered by insurers when calculating your price. Make sure you’re as accurate as possible, as underestimating your mileage could invalidate a future claim

How can I work out my annual mileage?

If you know on average how many miles you drive per week, you can get an estimate by multiplying that figure by 52 to get a yearly figure.

Or if you’ve had your car for a year or more, you can compare the mileage on last year’s MOT document to this year’s. If you don’t have the documents to hand, you can use the GOV.UK MOT checker to find the details.

Am I insured to drive abroad?

There are some rule changes you need to be aware of since the UK left the EU. You’ll need to apply for a green card at least one month before you travel, this acts as proof of your insurance while you’re abroad.

If you have a standard 12-month car insurance policy in the UK, you’ll usually be covered to drive in some European countries for up to 30 days. The countries that are covered and the level of cover you have may have changed since Brexit. See our guide on driving abroad for more information.

How long are quotes valid for?

This can change depending on the insurer offering you a quote. For example, some quotes expire the same day you get them, and others can last longer.

You can find the expiry date for each quote below the annual or total price. You can find your previous quotes under the ‘quotes’ section of your Confused.com account.

How do I work out my car’s value?

When you get a quote, we’ll estimate the market value of your car based on averages of the make and model, and age. If you want to find out the exact value of your car you can use our free car valuation tool.

How do I claim on my car insurance?

The first step to making a car insurance claim is to contact your insurer. You’ll need to provide some details for your insurer.

Find out more about how to make a car insurance claim.

I made a claim last year, will my insurance go up?

Unfortunately, your insurance price is likely to go up if you’ve claimed. Even if the accident wasn’t your fault, a claim will usually result in an increased price. If you’ve lost your NCB, you’ll also lose out on any discounts that may have been applied to your previous policies.

Will I be charged if I cancel my policy?

Most insurers won’t charge a cancellation fee within the first 14 days of your policy start date. But if you want to cancel your policy after that, you’ll probably face a cancellation fee.

This is typically charged to cover admin fees and documents. Find out more about how to cancel your car insurance policy.

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