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Car Insurance

COMPARE CHEAP CAR INSURANCE QUOTES AND GET REWARDED

  • Super Save up to £580¹ on your car insurance

  • Get the best deal with our Super Save Price Promise²

  • Receive tailored quotes for your car in minutes

What do I need to get car insurance quotes?

It's quick and easy to compare cheap car insurance quotes. We just need a few details from you:

  • 1

    Your details and your licence

    Including your job, age and your address, plus the same for named drivers. We'll also need to know the type of licence you have, how long you've had it, your claims history and driving history

  • 2

    No-claims discount (NCD) history

    Details of your no-claims discount and driving history could help lower the prices you receive. Use our no-claims discount tool to find out how many years’ no-claims discount your insurer will honour

  • 3

    Details of the car

    The car’s registration number if you know it. If not, the make and model is fine. We’ll also need the car’s age and any modifications you’ve made


  • 4

    What you'll use the car for

    Social, commuting or business, and your expected annual mileage i.e. how many miles you think you'll drive in a year. You’ll also need to say where you’ll keep the car at night for security

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

4.7 out of 586,423 reviews

Compare car insurance from 175 providers3

We compare quotes from 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 Admiral
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company logo for LV: Liverpool Victoria
company logo for One Call Insurance
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1 51% of consumers could save up to £580.23. Consumer Intelligence, December 2023. UK Only.

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

3 Accurate as of April 2024.

What car insurance cover do you need?

Use our tool to answer 3 quick and easy questions so we can help you find the right car insurance cover for you.

Example quote when comparing car insurance

provider logo

insurethebox

  • Annual Price

    £543.98

  • 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 is car insurance and do I need car insurance?

Car insurance is a legal requirement for drivers in the UK, and you must be covered if you use your car on the roads or in public places. Third-party insurance is the minimum requirement in the UK, and if you’re involved in a car accident, this level of cover provides financial protection to others where their vehicle or property might be damaged or if anyone is injured.

However, if you’re involved in a car accident and want to cover your own car and costs, then you’ll need a higher level of cover, such as fully comprehensive car insurance.

Uninsured drivers could face a fixed fine of £300 and six penalty points added to their licence. If the case ends up going to court, drivers could face an unlimited fine and be disqualified from driving; the police also have powers to seize vehicles that are being driven uninsured. Unless your car is registered as off the road with a Statutory Off Road Notice (SORN), or is in the process of being bought or sold, you could be faced with a fine if you don’t insure your vehicle with at least a third-party policy.

Which level of cover should I choose?

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.

    Average annual cost: £6514

  • 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

    Average annual cost: £9724

  • 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 annual cost: £7654

4Based on annual price of car insurance policies with one driver holding a full UK driving licence for at least 12 months. MoneySuperMarket data, collected between October 2023 and December 2023

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.

How can I get cheaper car insurance?

There are different ways to lower your car insurance premiums and get a cheaper quote. Here are some ways you can try and find cheaper cover as the main driver:

  • Minus

    Cut out the extra cover

    Add-ons like breakdown cover and car keys cover cost extra to add to your policy. To save money, consider cutting out optional extras that may be cheaper to pay for out of pocket

  • Minus

    Increase your excess

    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

  • Minus

    Consider telematics

    Telematics policies, sometimes known as black box car insurance, give younger and inexperienced drivers a chance to earn lower premiums by showing that they have sensible driving habits

  • Minus

    Avoid auto-renewing

    Your car insurance policy is likely to be renewed automatically when the term ends, but you may be able to find a cheaper deal if you compare quotes from other providers online

  • Minus

    Pay annually

    Paying an annual lump sum for your car insurance policy may seem like a big initial outlay, but it it typically costs less overall than if you were to pay monthly instalments

  • Minus

    Park your car off the road

    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

  • Minus

    Build a no-claims discount

    Insurers will always look at your claims history. If you can avoid making claims for smaller things by paying for the repairs or replacements yourself, you can earn a discount on your premiums. The longer you go without claiming, the bigger the discount should be

  • Minus

    Avoid modifications

    Modifying your car can often mean more expensive repair costs, or needing spare parts that are harder to get, so you’ll likely pay more to cover these

Why is car insurance so expensive?

"If your policy is coming up for renewal, you may notice there’s been an increase in the amount your car insurance will cost you over the next year. You’re not alone if you find yourself in this situation - according to the Association for British Insurers, annual car insurance costs were 25% more expensive last year than they were the year before, and at MoneySuperMarket we’ve seen a 15% increase in the average price of car insurance over the last 12 months*.

Inflation, higher costs to replace parts and an increase in claims are all pushing prices up. But with costs continuing to climb, many of us will be looking for ways to save on our car insurance. If you can, paying annually will help to avoid paying interest on monthly payments. If you’re a new driver, driving safely on a telematics policy could help you save in the long run. While there are many ways to save, shopping around and comparing deals is the best way to ensure you’re getting the lowest price."

Sara Newell - Car Insurance Expert at MoneySuperMarket

*Based on the annual price of car insurance policies in January 2024 vs January 2023, with one driver holding a full UK driving licence for at least 12 months.

How much does car insurance cost?

The average cost of comprehensive car insurance is £6512 per year, but the price of your policy can change based on your risk of making a claim.

If you are statistically more likely to make an expensive car insurance claim, then your insurance will be more expensive.

Age is one factor that has a clear impact on the cost of car insurance. Younger drivers without driving experience will typically have to pay more for insurance, whereas older drivers with a good driving record will have much cheaper premiums.

Age

Average Annual Price3

17-19

£1690.85

20-29

£1150.31

30-39

£710.22

40-49

£568.02

50-59

£438.26

60+

£398.54

3Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in February 2024.

2Based on annual price of sold car insurance policies with one driver holding a full UK driving licence for at least 12 months. MoneySuperMarket data, collected between October 2023 and December 2023

Who offers the cheapest car insurance?

The cheapest car insurance products are One Click, Swinton Essentials and RAC. Remember, car insurance quote prices are individual to you and many factors impact pricing such as age, policy type, mileage, excess, payment type etc.

Insurer

Avg. Quoted Premium

One Click

£355

Swinton Essentials

£356

RAC

£369

Based on the annual price of car insurance with one driver holding a full UK driving licence for at least 12 months, where the insurer has sold over 500 policies. MoneySuperMarket data, collected between October 2023 and December 2023 .

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

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

  • Short term cover

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

  • Multi-car policies

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

  • Telematics

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

  • 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

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

  • 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?

Even if you have comprehensive cover, you won’t necessarily be covered for everything. Add-ons can help you to cover the additional costs that your insurance policy wouldn’t normally cover as standard, and there are plenty of options to choose from. However, it’s worth remembering that optional extras such as breakdown cover, a courtesy car and windscreen cover come at an extra cost, so consider whether you need a particular type of cover before adding it to your policy.

Why compare car insurance quotes with MoneySuperMarket?

We compare some of the best car insurance providers in the market, which makes it quick and easy to find personalised cover in minutes.

  • Trusted

    With 30 years' experience, we're trusted by our customers. We only work with insurance providers authorised and regulated by the Financial Conduct Authority (FCA).

  • Save Time & Money

    For free, compare tailored quotes in minutes and find the cheapest deal for you. If you find the same deal for less, we'll price match* and give you a £20 gift card.

  • Earn Rewards

    Buy car insurance through us and get unlimited access to free days out (on our app) and much more with SuperSaveClub.

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

Customer reviews

Based on 86,423 reviews 4.7/5 of our customers would buy from us again
Excellent search engine and have used many times to compare car insurance quotes.
Comprehensive insurance product at good price.
Excellent, quote was very competitive and easy to complete process

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 you saved will be the same as the price you get when you purchase.

Usually 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 than 2 weeks, you’re likely to have to pay a fee for cancelling 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 claim cost before your insurer pays the rest. Volunteering a higher excess fee on top of the compulsory amount indicates to insurers you won’t bother making small and frivolous claims.

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, because the insurer will assume you are less likely to claim in future. You might consider not claiming for a car accident 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.

You’re likely to get a better deal on your car insurance policy if you pay an annual lump sum rather than in monthly instalments, because insurers add on a fee for monthly payments. Paying monthly can be useful as you’ll be able to spread the cost out, but you will end up paying a little extra overall. Just remember that if you choose to pay monthly, most insurers will do a credit check 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. In fact the average person won’t see any difference in premiums whether or not they have Pass Plus on their licence – but that doesn’t mean it can’t benefit anyone at all. Younger or inexperienced drivers might be able to save a few quid, and if the skills you learn help you avoid accidents in the future, this will also help keep your insurance costs down. 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.

Insurers look at a range of factors when deciding on your insurance premium, including your credit score. But they will also look at your age, your job and the car you drive, as well as where you live before they make a decision. If you want to pay for your car insurance monthly, the insurer will do a credit check to see if you’re likely to be able to make the payments. That’s because agreeing to pay monthly is technically a credit agreement: you’re borrowing the cost of the annual policy and repaying it over 12 months. A record of this search will remain on your credit file. If you have a bad credit score, it is still possible to get car insurance –  but you may be charged a higher interest rate on monthly payments. If you have struggled to repay credit in the past, or if you have a county court judgement (CCJ) against your name, then you may not be allowed to pay monthly.

One of the factors used to calculate your car insurance quote is the number of miles you drive on average per year. To calculate your own personal mileage, you can:

  • Look at the number of miles you drove the year before on your annual MOT certificate and estimate mileage for the coming year

  • 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

In most cases, the value you declare on your insurance policy documents will be the price you initially paid for the vehicle.

Be mindful though, that if you make a claim and your car has been written off your insurance provider will pay out the current market value of your car, not the initial price you declared on your insurance documents. This is because vehicle devaluation is also considered.

You don’t need car insurance when your car is off the road, as long as you’ve made a Statutory Off-Road Notification (SORN).

This tells the Driver and Vehicle Licensing Agency (DVLA) your car is not in use and means you don’t need to pay vehicle tax or buy car insurance – as long as it’s kept off the road.

You can check whether your car is insured by visiting the Motor Insurance Database (MID). The MID is the central record of all vehicles insured in the UK. 

It's free to use and it identifies the make and model of your car as well as whether your car is insured.

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. 

Fronting is where a more experienced driver, such as a parent, puts themselves down as the main driver of a car when they’re not. This is a type of fraud and could land you with a criminal record.

While car insurance prices for younger drivers are notoriously high, it’s illegal to try and obtain cheaper premiums by lying about who the main driver of your car is.

You shouldn’t need to pay any admin fees unless you make any changes to your policy or need replacement documents. You may be charged an adjustment fee if you need to change something on your policy like your address, car registration or adding a named driver, for example. 

Charges vary between providers, and some will let you make small charges online for free. Keep an eye out for admin fees when comparing policies.

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.

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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.