Compare car insurance quotes
It’s easy to compare cheap car insurance quotes online with MoneySuperMarket. Simply fill out a few details about yourself, your driving history, your car and any named drivers, and you’ll be able to compare quotes quickly.
It doesn’t take long
Pop in details about yourself, your licence and your car, and you’ll be able to quickly compare car insurance quotes.
We’ll search for savings
We’ll show you which car insurance quotes are the cheapest along with other features, and give you an easy way to compare policies.
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Compare car insurance
How to get a car insurance quote
To see your personalised car insurance quotes and compare, we’ll need some information on:
Details of the car
The car’s registration number – if you have it to hand. If not, the car make and model is fine. We’ll also need the car’s age and value, and any modifications you’ve made.
What you’ll use the car for
Social, commuting or business, and how many miles you think you’ll do a year. You’ll also need to say where you’ll keep the car at night for security. And you can add any other cars to your policy at this stage.
Your details
Including your job, your age and address.
Your licence
Licence type and number, the number of years you’ve held your licence and whether you’re qualified to drive an automatic car, manual or both. You can also add any additional driving qualifications you have here.
No claims discount (NCD) history
Details of your no-claims discount will help lower the price you are quoted. You can find out here how many years’ no-claims discount your insurer will honour.
Get a new quote
Get cheaper car insurance
The average cost of car insurance in June 2019 was £485.35 – a drop of around 4% on June 2018, according to MoneySuperMarket data. But while any drop in car insurance prices will be welcomed by motorists, these savings are unlikely to be passed on automatically. The best way to get a cheaper car insurance quote is to shop around and compare car insurance.
Here are our top tips on how to get cheaper car insurance
Don’t auto-renew
Over a third of motorists still allow their
policy to be automatically renewed and
they could be losing out by not
shopping around.
Compare quotes
Market research company, Consumer Intelligence, found that 51% of customers who search for car insurance through us could save up to £245 on their annual premium**.
Increase your excess
Insurers are likely to reduce the cost of
cover if you increase your excess. Just
make sure your excess is affordable. Read our voluntary excess guide.
**51% of consumers could save up to £245.43 Consumer Intelligence, May 2019.
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What types of insurance are there?
When running a quote, there are three main types of car insurance - third party, third party fire and theft and fully comprehensive.
Policy | Average Cost* |
|---|---|
Third Party Only | £1,230 |
TPF&T | £828 |
Fully Comp | £485 |
*MoneySuperMarket data showing the average quoted premiums for each policy, correct as of June 2019
Third party: The lowest level of cover, it will insure any damage to another person’s car or injury to them. However, you and your car are not covered if you should need to repair or replace your car.
Third party, fire & theft: This will cover the same as third party only, with the added protection that if your car is damaged or destroyed in a fire, or stolen, then you are covered.
Fully comprehensive: This is complete cover for you, your car and other drivers. It includes everything covered in third party and third party fire and theft, but also covers you for accidental or vandalism damage, any repairs, and loss of any gadgets in the car.
There are also other types of specialist insurance, including classic car insurance, short term cover, black box insurance, learner driver, and more.
How much does car insurance cost?
The average price for fully comprehensive car insurance is £485 according to MoneySuperMarket data from June 2019. However, car insurance is priced on various factors, so premiums will differ considerably depending on your circumstances.
For example, young drivers are considered much more risky than older drivers, simply because they have less driving experience. Because of this, young people pay a lot more than more experienced drivers, and the same goes for people with points on their license and criminal records.
Do I need a credit check?
If you want to pay for your car insurance monthly, the insurer will do a credit check to see if you’re 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.
As with any credit check, a record of this search will remain on your file – and your credit rating will affect the amount of APR that you’re charged. If you have a poor credit rating, you may be charged up to 20% APR. And if you’ve struggled to pay credit in the past, or if you have a CCJ to your name, then you may be denied the option to pay monthly. If you think you’ll have issues with your credit rating, you can read our guide on improving your credit score.
If you choose to pay annually, you won’t be subject to a credit check.
Is car insurance cheaper annually or monthly?
Car insurance is usually cheaper when you pay annually, because insurers add on a fee for monthly payments. Some insurers may not offer monthly payments, but because it can be an ever-increasing lump sum each year, many motorists see it as a way of helping spread the payment.
If you choose to pay in monthly instalments, it’s important to be aware that most insurers will do a credit check to see if you are able to pay this monthly instalment.
What factors impact car insurance?
Car insurance is categorised on statistical risk, so there are several different factors taken into consideration when you get a quote for cover. This is why everyone pays a different price for their policy.
Age: This is a factor because, generally speaking, older and more experienced drivers are less of a risk than a young person that has been driving for less than five years. You will find that more experienced drivers will usually get much cheaper insurance premiums.
Gender: Even though insurers are no longer allowed to discriminate on gender, men still often pay more for their insurance. This is simply due to the cars they drive being statistically more powerful and that they drive more hours than women, amongst other factors.
Type of car: If you have an expensive or powerful car then you are seen as a higher risk for a number of reasons. If it’s expensive, it has a higher risk of being stolen. If it’s powerful, it’s deemed more at risk of getting into an accident driving at speed. If you want to see how your car impacts your insurance, you can check which insurance group it’s in for an indication.
Location: The location of your car is also factored in, because if the area has a high crime rate, then you are statistically more at risk of your car being stolen, damaged or vandalised.
Occupation: If you have a job where you drive more hours, then you are riskier in the eyes of insurers because you are literally on the road more. Or if you have expensive equipment as part of your job, it could be stolen from your car, therefore you present an increased risk.
Level of service
We aim to show you car insurance quotes from as many insurance companies as possible, so that you can find the right policy for you. Unfortunately, we can’t promise to show quotes from every insurance provider, because not all companies want to be included on comparison websites. We won’t offer you advice or make a recommendation, but we will provide you with all the information you need to help you decide which is the right policy for you. You can find out more about how we work here.
MoneySuperMarket can help you find great deals on your car insurance. From single to multi-car deals, satellite-based telematics policies to insurance for classic cars, we search the market to get the best combination of protection and price. Check out our news and guide pages for more information.
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