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*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (October '21). 51% of car insurance customers could save £262.39

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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**

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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

Why car insurance for new drivers might be expensive

Age and experience are two big factors in how much you pay for your car insurance. New drivers tend to be younger, and lack much experience behind the wheel. To an insurer, this makes them a bigger risk, which is reflected in the price.

With time comes experience, and for every year you don’t make a car insurance claim, you add a year to your no-claims bonus. This could see your price come down as your driving profile looks less risky.

Another way to show your insurer that you’re not a risky driver is to agree to have a telematics (black box) device installed.

How telematics cover works

A telematics car insurance policy – also known as black box cover – works out your car insurance price based on how you drive. A black box fitted to your car or an app on your phone measures your acceleration, braking and cornering, as well as how much you drive and at what times.

This lets insurance companies build up a more tailored profile of you as a driver, which should result in a more accurate price. It’s often used by young drivers as a way to keep their car insurance costs in check.

To get a rough idea of how much you could expect to pay, use our car insurance calculator.

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 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 6,5002, 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 January - September 2021

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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.

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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

There’s a lot that goes into how much you pay for your car insurance. Insurance companies use dozens of factors to build up a picture of how likely you are to make a claim, which is reflected in your price.

Some of the bigger factors are:

  • Where you live
  • Your age
  • The car you own
  • What you do for a living
  • Your driving history
  • Your annual mileage
  • How secure your car is
  • Your voluntary excess
  • Who else drives your car
  • Where you live could affect your price. could affect your price. If you live in a built-up area with more vehicle crime you could pay more than someone living in a rural area where the risks are lower.
  • Your age and driving experience are significant to insurers. Generally, the younger you are, the less driving experience you’ll have. In insurers’ eyes this means you might be more likely to have an accident and make a claim.
  • The car you drive could have a large bearing on your insurance costs. Bigger, high-performance and expensive models, as well as cars with modifications, could cost insurers more to repair after an accident. More valuable cars could also be more of a target for opportunistic thieves.
  • What you do for a living is important as it gives an indication to insurers of how much time you spend on the road. Long days behind the wheel or travelling to multiple sites a day could increase your risk of making a claim.
  • Your driving history including previous claims or accidents help give insurance companies an idea of how you drive. If you’ve made a claim in the past five years, it could affect the cost of your insurance. Driving convictions also contribute to the amount you pay.
  • Your annual mileage tells insurers how much you’re on the road. The more miles you rack up, the greater the risk of an accident.
  • How secure your car is could have a sizable impact on your policy. Cars fitted with an alarm, immobiliser and tracker are likely to be harder to steal and easier to recover. Robust security measures could help keep your costs down.
  • Your voluntary excess is the amount of money you’d pay towards a car insurance claim. The higher this excess, the lower the price tends to be.
  • Who else drives your car is important as it’s an additional risk. Depending on the named drivers’ age, experience and claims history, you could see your costs go up or down.

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 £262*. We even guarantee to beat your renewal price3.

*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (October '21). 51% of car insurance customers could save £262.39
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 due4.

4Based on Confused.com data 1 September - 15 November 2021

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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.

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 15% extra (based on Confused.com data January - September 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 an accurate idea of your car’s value 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.

Can I add someone to an existing car insurance policy?

Yes, you can add named drivers to your car insurance policy. To add another driver, you’ll need their:
  • Age
  • Occupation
  • Details of any accidents and claims
  • Details of any motoring convictions
Depending on the driver, this might raiser or lower your car insurance costs.

Can I drive someone else’s car?

You might be able to drive someone else’s car if you have a comprehensive car insurance policy. Check with your insurer to see if your policy has the Driving Other Cars (DOC) feature, as not all policies offer this. Even if you have it, this only entitles you to third-party cover on someone else’s car. So, if you want to be fully covered, consider a temporary car insurance policy, or get yourself added as a named driver.

Can I insure two cars at the same time?

Yes, you can insure more than one car. Some car insurance companies offer a multi-car insurance policy. This lets you add multiple cars under a single policy, which should be easier to manage. You might also get a discount for each car you add to the policy.

Can I renew my car insurance online?

If you decide to renew your car insurance policy with the same insurer, you don’t need to do anything. Unless you decide to change your car insurance provider, your policy should automatically renew.

Many car insurance companies let you review and update your policy details online. So, it’s worth checking that your details are up to date.

Even if you’re comfortable with your renewal price, it’s still worth shopping around and comparing car insurance quotes. You could cave yourself even more money for just a few minutes’ work.

You usually get your renewal notice a few weeks before your policy ends, so you’ve got plenty of time to look for cheaper car insurance. And the earlier you sort it, the bigger the savings could be.

Do driving courses help lower the cost of insurance?

Some insurance companies might offer a discount if you’ve taken a Pass Plus course or an advanced driving course. These courses bolster your driving skills, which could reduce your risk of an accident. Check with the insurer whether they offer these discounts.

Does lower mileage mean cheaper car insurance?

This is sometimes the case, but not always. A high mileage means you’re on the road a lot, which increases the risk of you making a claim. So, keeping your mileage in check is one way to lower your insurance costs.

On the other hand, a low annual mileage – say, 1,000 miles – could indicate that you’re not that experienced behind the wheel. This could also impact your insurance costs.

Honesty is the best policy here. When you get a car insurance quote, try to be as accurate as possible about your mileage.

Do I have to tell my insurers about an accident if I’m not going to claim?

Yes, you should tell your insurer about any accident involving your car, even if you don’t make a claim. When you get a car insurance policy, we ask you about all accidents in the past five years. If you don’t disclose a previous accident, it could void any future claims you make.

Do I need car insurance?

Yes – car insurance is a legal requirement. If you own or have use of a car, you must be insured to drive it. If you’re caught driving without insurance, you could face a £300 fine and six penalty points on your licence.

Do I need car insurance if my car is off road?

If your car has a Statutory Off Road Notice (SORN), then you don’t need to have it insured. This also means that you can’t keep the car on a public road. The SORN lasts as long as you need it to, and comes off as soon as you tax the car. You’ll need to insure the car before you put it back on the road.

How can my parents help me get cheaper car insurance?

There are a few options for you if you need some help getting cheaper car insurance. First, your parents could put their car and yours on a multi-car insurance policy. This sometimes gives a discount for adding multiple cars.

Your parents could add you as a named driver on their car insurance policy while you gain more experience. But if you’re the one who does the bulk of the driving, you’d need to be the main driver and your parents would be named drivers. Some insurance companies even let named drivers earn their own no-claims bonus. For more tips, check out our guide to getting cheaper car insurance

I've changed my car, how do I transfer my existing car insurance to my new car?

All you need to do is call your car insurance company and tell them you’ve changed you car. They should put the new car on your policy and remove the old one. Depending on when you do this, there might be an admin fee. Your insurance costs could also change, depending on the car.

When might my claim get rejected?

There are several reasons why an insurer might reject your car insurance claim, including:

  • Where you’ve given inaccurate or false information about your policy or your claim
  • The damage you’re claiming for occurred because of wear and tear
  • You’ve not taken reasonable care of your car e.g. you’ve left your car unlocked and valuables on display
  • The accident occurred due to negligence or breaking the law
  • You’ve waited too long after the accident to make a car insurance claim

Will I have to pay any admin fees?

There are two occasions where you might pay an admin fee:
  • Where you cancel your car insurance policy before the 12 months is up. This is also known as a mid-term cancellation.
  • When you change your car insurance policy details – for example, a change of address, or a change of car.
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