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  • Compare quotes & save up to £560* on your car insurance

  • We work with 1741 trusted insurance providers

*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (October '23). 51% of Confused.com car insurance customers could save £560.10
1Correct as of November, 2023

Compare car insurance quotes in just 5 minutes

Getting a car insurance quote only takes a few minutes, and if you’ve used us before it’s even quicker. Just log in and check your details are accurate and up to date. Compare and get covered in 3 steps:

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Tell us about yourself, your car and what type of insurance you need

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We'll show you offers from up to 174 insurers1

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Choose your policy, then go ahead and buy

We work with 174 trusted insurance companies1, giving you plenty of choice.

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Why use Confused.com?

  • We revolutionised the way people buy their car insurance. In 2002 we created the first insurance price comparison site, saving millions of customers time and money year after year.  
  • Unlike some of our competitors, we’re 100% impartial and independent of any insurer. That means the car insurance prices we show you are based on the details you give us and nothing else.
  • We're FCA regulated, just like the 1741 car insurance companies we work with. This means that we follow their strict operational guidelines to do things right for you. So when you use our site, you know you’re in safe hands.
  • We don’t offer freebies or gimmicks you don't need, instead Confused.com Rewards lets you choose one of 4 useful rewards each time you buy car insurance**. The choice really is yours.

Our customers say:

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Confused.com car insurance scores a 4.6 out of 5 rating
based on 157737 reviews as of 13/10/2023

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What our car insurance expert says

"Car insurance prices are continuing to climb and setting new records. These increases are likely to affect all drivers regardless of whether they're buying for the first time or renewing like they do every year. The average comprehensive policy costs £924, so it’s important to make sure you’re getting the best deal. That means shopping around and not settling for your renewal price.

"Take note of our tips on ways you can save as even with prices as they are, a few small changes could help. For example, if you normally pay for your insurance monthly, could you afford to pay for it in one go? Doing this could save you 17% on the price of your insurance."

Choose a free reward when you buy car insurance with Confused.com**

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**Single annual policy. Shell Go+ account required. Only one £10 fuel reward can be used per transaction and each can only be used on fuel purchases of £10 or over. HelloFresh 18+ subscription service. Geographical exclusions apply. T&Cs apply

Choose the right level of cover

Understanding your cover options can help you make an informed choice on a policy that suits your needs rather than just focusing on the cheapest price.

There are 3 levels of cover you can choose from:

  • Third party is the minimum level of cover required by law and is the most basic available. It protects you if an accident involving your car causes injuries to someone or damages their property. It doesn’t include cover for damage to your own car.
  • Third-party fire & theft covers you for everything included with third-party insurance, plus damage to your vehicle caused by fire or theft.
  • Comprehensive cover is also known as fully comp. It gives extensive protection for you and your car if you’re involved in an accident, and is often the most affordable choice.

After choosing your level of cover, you need to select your 'class of use' to let insurers know how you plan to use your car.

  • Social only lets you use your car for things like shopping trips or visiting family
  • Social and commuting lets you use your car for social use but also for commuting to and from a single place of work. This is the most common choice for Confused.com customers.
  • Business use includes everything social and commuting does but also covers you to use your car for work.

When you get a car insurance quote we'll ask you to choose a level of cover and class of use. If you'd like to compare different levels and classes, you can edit your quote to see how it impacts your prices.  

How much does car insurance cost?

The average price of a comprehensive car insurance policy in the UK is £924+. That's the highest prices have been on record and a huge £338 increase in the last 12 months.

Prices for third-party and third-party fire & theft policies are even higher, costing £1,893 and £1,438++ respectively. 

The price you pay for your car insurance policy depends on your personal circumstances. To get an estimate of the average price in your area for your age group, you can use our car insurance calculator.

+Confused.com Q3 2023 price index data.
++Confused.com data July - September 2023.

Why are car insurance costs going up?

Louise Thomas, motor insurance expert at Confused.com, suggests increased claims costs and second-hand cars are key to why the cost of car insurance continues to grow.

“The big increases in car insurance prices we’re seeing are linked to huge increases in costs for insurers. Rises in inflation rates have meant increased costs for materials and labour needed for repairs.

“Demand for second-hand cars is also contributing. As the costs of buying a second-hand car increases, as do the costs for settling insurance claims involving them.

“Insurers are having to deal with these increases and one way they do this is by passing some of it on to drivers through their car insurance costs.”

Recent figures from the Association of British Insurers (ABI) back this up, showing that insurers paid out over £2.5 billion in motor insurance claims in Q2 of 2023. This is an 18% increase on Q2 2022 and the highest quarterly figure since the ABI started collecting data in 2013.

Compare cheap car insurance quotes

Factors that influence the price of your car insurance

Insurance companies use lots of factors to decide your level of risk and how likely you are to make a claim. It’s this level of risk that's reflected in your price. Some of the factors they look at are:

  • Where you live - If you live in a built-up area you’ll likely be paying more than someone living in a rural area because the risks of theft or accident is statistically higher.
  • Your age - Generally, younger people have less driving experience, which increases the chance of accidents and claims.
  • The car you own - The more expensive your car is to replace or repair after an accident, the more the insurer has to pay out. The insurance group your car is in also influences the price.
  • How secure your car is - Your car's security and where it’s parked can have an impact on your prices. For example, parking on your driveway rather than a road could reduce your policy by up to £2552.
  • Your job title - The kind of work you do and your job title affects how much you pay for your car insurance. It gives an indication to insurers of how much time you're likely to spend on the road. If you have other drivers named on your policy, their job title is also considered.
  • Your driving history - Any car insurance claims you've made in the past 5 years, affect the cost of your insurance. Driving convictions also influence how much you pay.
  • Your annual mileage - A lower annual mileage is usually less risky and could result in cheaper insurance quotes. But drivers with higher mileage may see more expensive quotes due to the increased likelihood of accidents. The average yearly mileage is around 6,600 miles2
  • Who else drives your car - Depending on the age, experience and claims history of your named drivers, the price of your quotes can go up or down.

2Confused.com data July - September 2023.

How to save even more on your car insurance

Comparing quotes from the 1741 insurers we work with is the easiest way to find savings on your car insurance. We also do a lot of work to bring you exclusive deals, and there are some things you can do yourself to maximise your savings.

Things we do to help you save money

  • We work closely with our insurance partners to negotiate the best deals and exclusive discounts. Look out for our ‘special offers’ which are highlighted in the prices page when you get a quote.
  • We’ll remind you next year when your renewal is coming up. This gives you plenty of time to find your best price.
  • We guarantee to beat your renewal, and if we don’t we’ll match your quote and give you £203 on-top.

Things you can do to save money

  • It's cheaper to pay annually if you can. You'll always be charged more by choosing to pay monthly. This is usually in the form of interest or an admin fee. While it spreads the cost over the year it's likely to cost you over 17% extra2, on average.
  • Buy your policy early to get the cheapest price. The later you leave it, the more you pay for your car insurance. In our experience, you’ll see the best car insurance prices around 3 weeks before your renewal2.
  • Tell us your driving licence number. Providing your licence number often results in cheaper prices from insurers. They can use this number to confirm your licence details and conviction data with the DVLA, making you a safer risk.

2Based on Confused.com data July - September 2023.
3Single annual policy only. T&Cs apply. Must be a like-for-like policy.

Optional extras to enhance your cover

Before we show you your quotes, you can tell us which of the 5 optional extras you need. Be mindful to only choose the cover you think will benefit you as they come at an additional cost.

  • Legal cover - This offers financial protection against legal fees if you’re involved in an accident that’s not your fault. This includes things like personal injury, excess recovery and loss of earnings.
  • Courtesy car - A car is supplied to you while yours is being repaired after you’ve made a claim.
  • Breakdown cover - Provides you with assistance at the roadside or your home if your car breaks down. The levels of cover available vary between insurers.
  • Windscreen cover - Covers damage to your car’s windscreen and other windows, repairs to chips and cracks as well as full replacements. An excess may apply.
  • Personal accident cover - Provides you or your family with financial support if you’re injured or die in an accident. It also covers any passengers in your car at the time of an accident.

It’s important to strike a balance between the cost of your car insurance and the cover you need. You don't want to pass on extras such as breakdown cover, if that’s something you think you’ll benefit from.

Car insurance and the legal requirements

Car insurance is mandatory in the UK if you plan on driving on a road or in a public place. It plays a crucial role in ensuring safety for all road users. All motorists must have the minimum legal amount of cover to drive on public roads - this offers protection for financial losses and cover for injuries caused by road traffic accidents.

Driving without insurance puts others at risk. Also if you’re caught by the police without valid cover, it can lead to a fine and penalty points. It doesn’t end there though - the police have the power to seize and destroy an uninsured vehicle. And if your case goes to court you could get an unlimited fine and be disqualified for driving.

Don’t think it’ll happen to you? According to the Motor Insurers’ Bureau (MIB), 123,429 uninsured vehicles were seized in 2022. That’s one every 4 minutes.

Expert help and support

All the information you see on our website is reviewed by our expert panel which is made up of experienced professionals working in the insurance and personal finance industry. Our dedicated insurance specialists are here to help you throughout your journey.

If you need help or have any unanswered questions, you can fill out our online form. Our customer support team is here to help you.

You can also follow us on Twitter, Instagram or Facebook.

Our office address is 2nd Floor, Greyfriars House, Greyfriars Road, Cardiff, CF10 3AL, United Kingdom.

Find out more about who we are, how we make money from insurance and more on our about us page.

Insurance guides to help you

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Frequently asked questions

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, model, and age. If you want a more accurate idea of your car’s value you can use our free car valuation tool.

Do insurance quotes affect my credit score?

When you get quotes through our site, 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 is if you choose to pay for your car insurance monthly. This is because the insurer needs to check you can cover the payments of the contract, usually over 12 months.

What is a no-claims bonus (NCB)?

Each year you drive without making a claim on your car insurance, insurers reward you with a year of no-claims bonus (NCB). The more NCB you have, the bigger the discount you get, as you’re seen as lower-risk and less likely to claim in the future. Some insurers might ask you for proof of your NCB - you should be able to get this from your previous or current insurer.

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 your certificate of motor insurance which should tell you whether your policy has the Driving Other Cars (DOC) feature. Not all policies offer it.

Even if you have it, it only entitles you to third-party cover on someone else’s car and should only be used in emergencies. If you want to be fully covered for a short time, consider a temporary car insurance policy, or get yourself added as a named driver.

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 raise or lower your car insurance costs.

It's important to remember that the person who does the bulk of the driving should be listed as the main driver. And any named drivers only use the car occasionally.

What are the FCA insurance renewal guidelines and how do they affect me?

In an effort to treat customers fairly, the Financial Conduct Authority (FCA) has created rules that stop insurance companies from penalising loyal customers. This was a practice known as price walking.

The rules state that insurers are required to offer customers who renew their policy a price that's not higher than if they were a new customer buying in the same way. The FCA believes this should save customers £4.2 billion over the next decade.

This doesn't mean that your renewal price is going to be less than last year. A range of factors come into how car insurance prices are calculated, but you shouldn't be penalised by staying with your existing insurer.

But there still might be savings to be had. Even if your price is the same or a bit cheaper than last year, it's always worth shopping around.

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Page last reviewed: 13 October 2023

Reviewed by: Louise Thomas