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How to get our best pricesFor drivers aged 17 to 20, car insurance is among the most expensive, with the latest average policy costing about £2,045**.
It’s frustrating, but there’s a reason - insurers see new drivers as higher risk. Less experience means more chance of something going wrong. But thankfully, there are ways to bring these costs down.
Find out more about young driver insurance.
By now, you’ve probably got a few years of driving under your belt. Usually that means insurance starts to get a bit cheaper, with 25 year olds now paying an average of £1,296**.
That said, prices can still be high if you’ve had a claim, points on your licence, or not built up much of a no-claims bonus yet.
More information about car insurance for young drivers.
This is usually when you can find the cheapest car insurance prices, with the latest average policy for 45 year olds costing about £732**.
You’ve likely built up experience and maybe a decent no-claims bonus too.
Insurance costs are often still fairly low at this stage, with 65 year olds paying an average of £446**. But they can start to creep up again as you approach 70.
That’s because insurers factor in things like your age, health, and how often you drive.
Find out more about over 50’s car insurance.
Once you hit 70, you’ll need to renew your driving licence every 3 years.
At the same time, insurers may start to reassess your risk level – which can sometimes lead to higher costs, even if nothing about your driving has changed. The latest average policy costs about £480**.
Find out more about car insurance for over 70s.
Our car insurance calculator helps you get an idea of the average car insurance prices for someone of your age, gender and location. We look at data from over 6 million car insurance quotes taken from our quarterly car insurance report.
The price you pay for your car insurance policy depends on your personal circumstances.
*Confused.com price index March - May 2025.
‘’The right timing can make all the difference when it comes to your car insurance prices.
In fact, we’ve found that buying around 3 weeks before your policy start date is cheaper than any other time2.
But whenever you buy, it still pays to be organised. Buying early shows insurers you’re careful, so they might reward you with a discount!
Need a policy sooner? Not to worry. There are still plenty of ways that you could save money on your next car insurance policy.‘’
2Confused.com data Q1 2025.
Want a cheaper car insurance quote? Follow these simple tips:
Overestimate, and you pay more than you should. Underestimate, and you risk invalidating your policy. The UK average is around 6,600 miles2.
An older, experienced driver can lower your price, but adding a younger driver could push it up. Find out more about adding a named driver to your policy.
Some job titles cost more. Be accurate, but don’t tweak it just to save, you could invalidate your policy.
2Confused.com data Q1 2025.
A driveway or garage can be cheaper compared to parking on the road . If you don’t have a driveway there are other ways you can make your car more secure.
Paying in one go is usually cheaper than paying monthly, as insurers charge interest for spreading the cost. If you can afford it, pay upfront and pocket the savings!
Want more money-saving tips? Check out our full guide on how to get cheap car insurance, or see the cheapest cars to insure!
How to compare pricesFind our cheapest car insurance deal in just 3 quick steps. Used us before? It’s even faster! Just log in to get started.
How to choose the right level of coverThere are 3 main levels of cover to choose from. Whichever you choose, make sure to understand what's covered and any excess you might have to pay if you need to make a claim.
Even comprehensive insurance doesn’t cover everything. Car insurance optional extras can provide added protection, and you might want to consider these upgrades:
Yes, you can add named drivers to your car insurance policy. Just provide their:
The main driver should be the person who drives the most! Named drivers should only use the car occasionally.
Maybe! Some policies include Driving Other Cars (DOC) cover—check your insurance certificate to be sure.
To protect customers, the FCA stopped insurers from overcharging loyal customers, this is sometimes known as price walking.
Getting a quote won’t impact your credit rating. Providers only run soft searches, which are visible to you but don’t affect your score.
Only paying monthly triggers a ‘hard search’, this is just to check affordability.
1Correct as of June 2025
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