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Car Insurance

Compare cheap car insurance quotes and save up to £526¹
  • Get tailored quotes in minutes

  • Save up to 46% on your premium¹

  • Free days out plus more rewards with SuperSaveClub**

  • Get the best deal with our Price Promise²

Enter your car registration (optional)

1 51% of consumers could save up to £526.74 (or 46.6%) Consumer Intelligence, June 2024 Exc NI, CI, IOM

² Learn more here

**Restrictions and T&Cs apply, click here for details

Find cheap car insurance and get rewarded

Compare car insurance quotes in three easy steps:

  • 1

    Fill out our quote form

    We’ll need some details about the driver and the car you’d like to insure.

  • 2

    Compare quotes

    We’ll find you the cheapest quotes from 179i trusted insurers.

  • 3

    Start saving

    Choose the policy that best suits your needs and complete your purchase.

What do I need to get accurate car insurance quotes?

  • Your car registration number and driving licence number

  • Any no-claims bonus you’ve accrued

  • When you bought the car and any modifications made

  • Your expected annual mileage

  • Whether you’ll use the car for social, commuting, or business purposes

Picture of a car from the front in the MoneySuperMarket colours

Insurance companies we work with

We compare quotes from 179i of the most trusted car insurance providers in the UK, so you can compare defaqto ratings, cover, any exclusions and find the policy that's best for you.

company logo for AA
company logo for Admiral
company logo for Hastings Direct
company logo for Churchill
company logo for LV: Liverpool Victoria
company logo for One Call Insurance
company logo for esure

We're 100% independent, working only for our customers

4.7 out of 586,595 reviews

Do I need car insurance?

Car insurance is a legal requirement to drive in the UK. It offers financial protection if you’re involved in a car accident. IAM RoadSmart uncovered an epidemic of uninsured young drivers from data acquired from the DVLA. However, driving without insurance could leave you with a fine of £1000 as well as penalty points added to your licence, so it’s important to renew your policy every year.

With the price of car insurance going up, it's important to use our comparison tool to find the right policy for you at the cheapest price.

Find the right cover for you:

Insurance for learner drivers

When you're a learner driver you still need to be insured to practice on UK roads.

Cheap options for new drivers

Telematics insurance offers the most cost effective option for new drivers after they've just passed their driving test.

Over 50s car insurance

After 50, you are considered a low risk driver and can get lower premiums as well as specialised policies.

Which type of car insurance do I need?

There are three types of cover to choose from when you buy car insurance. These are:

  • Fully comprehensive

    Fully comprehensive cover is the best car insurance policy as it gives you the highest level of protection. It will cover you for a wide range of risks, often at the cheapest price.

  • Third-party, fire and theft

    Third-party, fire and theft covers your vehicle for theft, accidents, and fire damage as well as other people, their vehicles, and their property.

  • Third-party only

    Third-party cover is the minimum legal requirement. Despite only covering injuries and property damage, it’s usually more expensive than fully-comp cover.

Average cost of car insurance by policy type

Fully Comprehensive


Third party, fire & theft


Third party only

Sara Newell

Our expert says

While renewals and premiums have been increasing, we are finally seeing premiums starting to come back down. Remember to renew early, pay annually and compare quotes through MoneySuperMarket to find the right policy for you at the cheapest price. Remember, if you find a better price elsewhere, we promise to match that price as well as give you a £20 gift card.

However, as car insurance premiums have surged by 67% on average in the past year, insurers are rapidly introducing new “essentials” cover tiers to offer more affordable alternatives, according to analysis by Fairer Finance. It is important that you understand exactly what these stripped-back policies do and do not cover at the time of purchase rather than at the time of making a claim.

- Sara Newell, Car & Van Insurance Expert

How can I get cheap car insurance quotes?

Add-ons like breakdown cover cost extra to add to your policy. Consider cutting out optional extras that may be cheaper elsewhere.

Telematics policies, or black box car insurance, give inexperienced drivers a chance to earn lower premiums by showing that they have sensible driving habits.

Paying an annual lump sum for your car insurance may seem like a big outlay, but it typically costs less overall because you pay interest on monthly payments.

One of the simplest ways to reduce your insurance cost is to increase your voluntary excess. Be careful not to increase your excess so much that you can't afford it if you need to make a claim.

Don't be caught out by letting your car insurance auto-renew at the end of your policy. Prices typically rise every year. Try comparing quotes 20-30 days before your contract ends to stand the best chance of finding a cheaper deal elsewhere.

Insurers will always look at your claims history. You'll naturally build a no-claims bonus for every year you're not involved in an accident and don't make a claim. However, if you can avoid making claims for smaller things by paying for the repairs or replacements yourself, you can continue to build your no-claims discount.

You can reduce the cost of car insurance by parking your car off the road when you're not using it. The best place to keep it overnight to reduce your insurance cost would be in a locked garage.

Modifying your car can often mean more expensive repair costs, so you’ll likely pay more to cover these.

Get the cheapest car insurance deals with our Price Promise

We're so confident that we'll find you the cheapest car insurance deal with MoneySuperMarket, that we're making a price promise to you. If you find the same car insurance policy for cheaper elsewhere, not only will we refund the difference, we'll also give you a gift card worth up to £20!4

4 Restrictions and T&Cs apply, click here for details.

Example quote when comparing car insurance

provider logo


  • Annual Price


  • Cover

    Fully Comprehensive

  • Excess

    Total £400, Compulsory £150, Voluntary £350

Black box telematics Your driving will be monitored to promote safe driving. There are no curfews on this policy. Potential to earn bonus miles and a reduced renewal price for safe driving.

Great for

  • Courtesy car: comes as standard
  • Personal injury cover: comes as standard
  • Windscreen cover: comes as standard

But be aware that

  • Legal cover: available from £24
  • Breakdown cover: available from £50

This is for illustrative purposes only. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example.
Learn more about our full methodology here.

What types of car insurance policy can I get?

As well as standard comprehensive policies, we can help you find specialised types of car insurance for specific circumstances, including multi-car insurance and short-term cover:

  • Business use icon

    Business use

    Standard car insurance won't cover business use, so you need a special policy for work vehicles

  • Short term cover icon

    Short term cover

    This lets you take out temporary car insurance from anywhere between a day and a few months

  • Multicar icon

    Multi-car policies

    This car insurance type gives you the option of adding more than one car to your policy

  • telematics icon


    Get a chance to bring your premiums down by installing a black box, which monitors your driving habits.

  • Provisional licence icon

    Learner drivers

    If you’re learning in your own car, learner driver insurance provides cover while you’re practising to pass your test

  • Over 50s car insurance icon

    Over 50s

    Some providers offer tailored car insurance for drivers over 50, so it’s worth comparing the whole market

  • New driver icon

    New drivers

    All drivers, including newly qualified drivers, are required to have car insurance when driving on the road

What add-ons can I get with my car insurance?

Add-ons will cover you for scenarios and costs that are not typically included in car insurance policies. While add-ons like breakdown cover can provide extra peace of mind, they do come with an extra cost that will be added to your policy.

Breakdown cover pays for the cost of calling out a mechanic if your car breaks down.

If your car is in for repair, courtesy car cover will help you get a replacement vehicle for while you need it.

Personal accident cover pays out a lump sum if you’re injured or killed in a road accident.

Windscreen cover will pay for the cost of repairing or replacing a cracked windscreen.

If you lose your car keys or if they're stolen, car key cover will cover the cost to replace them.

Also know as misfuelling cover, wrong fuel cover pays for the necessary repairs you'd need if you accidentally top your car up with the wrong type of fuel.

Personal belongings offers protection for your belongings in the event your car is stolen, which can be handy if you tend to leave them in your car.

Protects your no-claims discount by letting you make a certain number of claims within a year before it affects your premiums. Building a no-claims discount will reduce your premiums over time.

What our customers say about us

Based on 86,595 reviews 4.7/5 of our customers would buy from us again
Feed all the information into the required online system then choose which one suits you best beat my new online quote from my present insurance by some margin. Brilliant service thanks
Hassle free, easy to find the best value car insurance policy. Would definitely recommend.
Easy to compare and get appropriate cover

Try using our car insurance tools

Hands on the wheel while driving

Did you know?

If you plan on paying your car insurance monthly, then your insurance provider will perform a ‘hard’ credit check. A low credit score can drive up your premiums. You can keep an eye on your credit score with our Credit Monitor tool

Credit Monitor

With 171ii car insurance providers to choose from on MoneySuperMarket, the "best" company will depend on your individual circumstances. Factors like your age, driving experience, location, car type, and desired level of coverage will all influence which insurer offers the most competitive rate and suitable policy.

Using our comparison tool can help you find the right policy for you at the best price.

A fully comprehensive car insurance policy generally offers the most protection and can be surprisingly cost-effective, making it the best value for most car owners.

Car insurance in the UK is priced based on insurance groups, ranging from 1 to 50. Group 1 represents the vehicles considered the cheapest to insure, while Group 50 represents the most expensive.

You can check which car insurance group your car comes under here

While you can get car insurance at any time, the best window to score the most affordable cost of your premiums will fall within 15 to 29 days of your policy renewal date. Compare quotes with MoneySuperMarket to find the most affordable option for you.

How long a quote is valid for is down to the insurance provider. Using our price comparison service you can save your searches, but there's no guarantee the price will be the same when you purchase.

If you cancel your policy within the first 14 days, most insurance companies won’t charge a cancellation fee but check the small print because some will. If your policy has been active for longer, you’re likely to have to pay a cancellation fee plus the cost for the time you’ve been insured (pro-rata).

Excess payments refer to the cost of making a claim – compulsory excess is how much you’ll need to put towards the total cost before your insurer pays the rest. The voluntary excess is how much you choose to pay; the higher this figure, the lower your premium is likely to be.

no-claims bonus – also known as a no-claims discount – can cut the cost of your car insurance. The longer you drive without claiming, the better your claims history and the bigger the discount you can earn when renewing your cover.

If you are in an accident, you may consider not claiming if the damage is minor and it would be more sensible to pay for the repairs yourself – for example, if the excess you’d need to pay is more than the overall repair costs. This way you’ll preserve your no-claims bonus as well as being better off financially.

Yes, you're likely to pay less overall if you pay the annual fee upfront. This is because insurers add on a fee for monthly payments. While monthly payments can help to spread out the cost over 12 months, you will end up paying more overall. Insurers will carry out a credit check if you opt to pay monthly to see if you can afford it.

While advanced driving courses such as Pass Plus or IAM (Institute of Advanced Motorists) make you a better driver, they won’t always save you money on your car insurance. While the average person is unlikely to save with Pass Plus on their record, younger or inexperienced drivers might be able to save a few quid. However, any discounts will depend on the individual insurer, and the course itself may cost more than any savings on your insurance cover. You may well save more by shopping around and comparing deals from different providers.

The number of miles you drive on average per year is used to calculate your car insurance premiums. To calculate your expected mileage, you can:

  • Look at the number of miles you drove the year before on your annual MOT certificate

  • Check your car's service record - mileage is noted in your logbook every time your car has its annual service

  • Calculate how many miles you drive each week and add them all up

Any-driver insurance allows anyone to drive your car (with your permission). This is handy if you have lots of family and friends that want to borrow your car. The downside is that it can be expensive, as your insurance provider can't be sure who's driving the car at any given time. 

Yes, a lower annual mileage typically results in cheaper car insurance. On average, MoneySuperMarket customers who drove between 5,001 and 10,000 miles in a year paid £168.33 less for their comprehensive car insurance in March 2024 than those who drove over 50,000 miles, resulting in a saving of around £168.33 per year.

The reason behind this is, the fewer miles you drive, the less likely you are to be involved in an accident. Insurance companies often reward lower-risk drivers with lower premiums.

You work hard to earn your money, and we don’t think you should waste a penny of it paying over the odds on your household bills. That’s why at MoneySuperMarket, we’re on a mission to save Britain money.

  • Whip your credit score into shape with Credit Monitor

  • Super save over and over again with Energy Monitor

  • There are always more ways to save with MoneySuperMarket

So how do we make our money? In a nutshell, when you use us to buy something, we get a reward from the company you’re buying from.

You might be wondering if we work with all the companies in the market, or if our commercial relationships with our partners might make us feature one company above another. We’ve got nothing to hide, and we want to give you clear answers when it comes to questions like these, so we’ve pulled together everything you need to know on this page.