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How to get our best prices

From tailoring your cover to choosing the right time to buy, there are plenty of ways to get our best prices. See how much car insurance costs for your age group and explore the best ways to lower your costs.

How much does car insurance cost?

Our latest data shows the average cost of a comprehensive car insurance policy is now £777**. That’s just an average though. Your exact price depends on things like your age, experience, car, and location. Here’s how insurers determine your prices.

It’s normal to see younger drivers paying more, while experienced drivers see lower prices, so take a look here at costs for your specific age.

**Confused.com price index for Q1 2025.

The cost of car insurance for 17-20 year olds

For drivers aged 17 to 20, car insurance is among the most expensive, with the latest average policy costing about £2,151**.

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.

Top money-saving tips for young drivers:

Consider a black box policy – It tracks how you drive and rewards safer habits with lower prices.
Take an advanced driving course – It can help build your confidence and can lead to cheaper insurance.
Add a more experienced driver to your policy, like a parent, to help lower your payments. Just make sure you’re still listed as the main driver.

The cost of car insurance for 21-30 year olds

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 £1,279**.

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.

Top money-saving tips for 21-30 years old:

Build your no-claims bonus – The longer you go without making a claim, the more money you could save.
Avoid modifications – Spoilers or tinted windows might look great, but they can bump up your insurance price.
Choose a sensible car - Models in lower insurance groups tend to cost less to cover. Find out what insurance group a car is in with our checker.

The cost of car insurance for 31-50 year olds

This is usually when you can find the cheapest car insurance prices, with the latest average policy for 45 year olds costing about £747**.

You’ve likely built up experience and maybe a decent no-claims bonus too.

Top money-saving tips for 31-50 years old:

Shop around every year – There could be better deals out there. It might surprise you how much you could save!
Avoid auto-renewing – Even if your price seems fair, sticking with the same insurer can cost you more.
Pay annually if you can - Paying monthly often comes with added interest. If you’re able to pay upfront, it usually works out cheaper.

The cost of car insurance for 51-70 year olds

Insurance costs are often still fairly low at this stage, with 65 year olds paying an average of £456**. 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.

Top money-saving tips for over 50s:

Review your level of cover – Had the same policy for years? It’s time to review it! You might be paying for extras you no longer use.
We’ll beat your renewal – Or we’ll pay you the difference - plus an extra £20!
Not driving as much these days? Only pay for the miles you use with a pay-as-you-go policy.

The cost of car insurance for over 70s

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 £495**.

Find out more about car insurance for over 70s.

Top money-saving tips for over 70s:

Look at specialist providers for older drivers – Some providers offer lower prices or more tailored cover.
Don’t overestimate your mileage – If you drive less these days, you could get cheaper quotes if you’re realistic with your annual mileage.
Switch to 'retired' not 'unemployed - If your previous job was seen as high risk and your now retired, this could help reduce how much you pay.

The cheapest time to buy

‘’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 significantly 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 Q4 2024.

Rhydian Jones - Confused.com Commercial Director

Rhydian Jones Commercial Director & Motoring Expert

Save money on your car insurance

Want a cheaper car insurance quote? Follow these simple tips:

Make sure your mileage is accurate

Overestimate, and you pay more than you should. Underestimate, and you risk invalidating your policy. The UK average is around 6,600 miles².

Add a named driver

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.

Check your job title is correct

Some job titles cost more. Be accurate, but don’t tweak it just to save, you could invalidate your policy.

²Confused.com data Q4 2024.

Park securely

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.

Pay annually if you can

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!

Got your renewal quote? We can do better!

We guarantee to beat your renewal price³. That means if you get a quote with us and can't find a cheaper price for a like-for-like car insurance policy, we'll pay you the difference, plus £20.

Learn more about our beat your renewal offer

³Single annual policy only. T&Cs apply. Must be a like-for-like policy

Get a car quote

How to compare prices

Comparing prices has never been easier. Get your quotes in just three simple steps - give us your details, choose your level of cover and we’ll find the best policies for your needs. Want to know more about how it works? We’ve got it covered.

Compare car insurance quotes in minutes

Find our cheapest car insurance deal in just 3 quick steps. Used us before? It’s even faster! Just log in to get started.

Tell us about yourself

We’ll ask you for details, like your car’s reg or make and model. Plus info about you, like your driving history and where you live.

Insurers use your details to calculate your best price.

Choose your level of cover

Tailor your insurance to your needs, with three levels of cover ranging from basic third-party cover to top level protection.

You can also add optional extras, like breakdown cover.

We’ll do the hard work

We compare trusted insurers to bring you policies that suit your needs and budget, with exclusive discounts you won’t find elsewhere.

Simply choose your deal and buy - it’s that easy!

Here’s what you’ll need to have ready to get a quote.

We compare 168 insurance companies¹ to help save you money

See all car insurance companies

How to choose the right level of cover

The right level of cover for you depends on your needs and budget. With 3 main levels of cover to choose from and an abundance of add-ons available, we break down your options so you can choose with confidence.

Choosing the right car insurance

There 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.

Comprehensive

Get the highest level of protection - covering you, your car, other people, and their property. Surprisingly, it’s often the cheapest option too.

Third-party fire & theft

Covers damage you cause to others, plus theft and fire damage to your car. A solid middle ground for essential protection without extras.

Third-party only

The bare minimum required by law. Covers damage to others and their property but not your car. Even though this option offers the lowest level of protection, it isn’t necessarily the cheapest.

Compare cheap car insurance quotes

Get a car quote

What our customers say:

‘’Very easy to complete details and results back immediately.’’

Michael - Confused.com customer (March 2025)

‘Quotes were already in place and so much better priced! I got my first email quote a few weeks before my motor policy was due for renewal, which was a welcome reminder.’’

Tim - Confused.com customer (March 2025)

‘The car insurance quote was good and the best deal available. It was easy to set up and I got straight through to the insurance company.’’

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‘I like the competitive prices and I love the rewards too’’

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‘’Easy process, best quotes AND a reward!!’’

Michael - Confused.com customer (March 2025)

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as of 31/03/2025

Add-ons to enhance your policy

Even comprehensive insurance doesn’t cover everything. Car insurance optional extras can provide added protection, and you might want to consider these upgrades:

Breakdown cover

Depending on your level of breakdown cover, it could include a roadside fix, a tow home or a tow to a garage. Check your policy for details.

No-claims bonus protection

Protect your No-claims bonus (NCB) and keep your discount, even if you make a claim. Without it, just one claim could cost you your savings!

Windscreen cover

This covers repair or full replacement. It might already be included in comprehensive cover, so double check before buying windscreen cover as an add-on.

Courtesy car

If your car’s in for repairs, courtesy car cover can keep you moving with a temporary replacement. Some comprehensive policies already include this, so check first!

Legal cover

Pays for any legal action after an accident, like if you need to claim compensation if an accident wasn’t your fault. It costs around £20-£30 to add it to your car insurance.

Personal accident cover

Pays out if you’re seriously injured or unable to work after a crash. Some policies even include a payout for your family if the worst happens. Check your policy limits.

Motor insurance excess

Covers the excess amount you’d need to pay out of pocket if you make a claim.

Insurance options for different driver types

Learner drivers

Get flexible, affordable cover while you're learning to drive, whether it's for days, weeks, or months.

New drivers

Looking for your first car insurance policy? We'll help you get on the road in no time.

Disabled drivers

Designed to protect you and your passengers, plus cover modifications and specialist equipment.

Convicted drivers

It's often harder to get insurance if you have a conviction, but we work with lots of providers who could help.

Insurance options for car types

Electric cars

Just like standard, cover but includes extras like cables, charging points, and battery protection.

Lease cars

When you get a car insurance quote for a lease car, put the leasing company as the registered keeper.

Classic cars

A classic car might need a specialist policy based on its value, age, and usage.

Modified cars

Like insuring any car, but insurers need to know what changes you've made since it was manufactured.

Insurance options for types of driving

Temporary car insurance

Get flexible insurance to meet your needs with cover that lasts as little as an hour up to 28 days.

Multi-car insurance

Insurers usually offer discounts when you bundle multiple cars under one policy - saving you time and money!

Black-box insurance

Also known as telematics insurance. It works by using an app or device to track your driving. Drive well, pay less!

Impounded car insurance

30-day cover to release your car from impound when standard insurance won't help.

Business cars

Driving for work? Standard insurance won't cover it, you need business car insurance protect you on the job.

Car insurance guides to help you

Has car insurance gone up?

We take a look at the latest data from the most comprehensive price index analysis of car insurance pricing in the UK.

Car insurance classes of use explained

Social, SDP or fully comp? Car insurance policies come in a variety of flavours. Which one gives you the best blend of protection?

Can I drive someone else’s car on my car insurance policy?

The ability to drive other cars on your policy isn't something that's always automatically included. In fact, not all providers even offer it.

How to cancel your car insurance policy

If you've SORNed, sold, or switched insurance early, here's how to cancel your policy.

See more car insurance guides

Frequently asked questions

Can I add someone to my car insurance policy?

Yes, you can add named drivers to your car insurance policy. Just provide their:

Age & occupation
Accident & claim history
Motoring convictions

The main driver should be the person who drives the most! Named drivers should only use the car occasionally.

Can I drive someone else’s car with my comprehensive policy?

Maybe! Some policies include Driving Other Cars (DOC) cover—check your insurance certificate to be sure.

DOC only provides third-party cover and is for emergencies.
For full protection, consider temporary car insurance or becoming a named driver.

How do I find out my car’s value for a quote?

We estimate your car’s market value based on its make, model, and age. For a more accurate figure, try our free car valuation tool.

How the FCA ensure you get fair prices

To protect customers, the FCA stopped insurers from overcharging loyal customers, this is sometimes known as price walking.

Your renewal price can’t be higher than a new customer’s price when buying the same way.
Your price could still go up due to other factors, but you won’t be penalised for staying.
Still, the best deals come from shopping around! Compare now and see what you could save.

Do insurance quotes affect my credit score?

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.

Reviewed by Rhydian Jones Commercial Director & Motoring Expert Updated on 01 April 2025

¹Correct as of February 2025