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Car insurance

Save up to £217* on your car insurance

Why buy cheap car insurance from us?

  • Compare over 110 leading brands
  • Automatic MOT, tax & insurance reminders
  • Get a quote in less than 5 minutes
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Look out for the MoneySuperMarket Discount on your car insurance2

We now offer discounts on a range of policies. We use our own money to lower the price of these policies as a way of saying thank you!

Tick Join thousands of our customers already saving money — Look out for this symbol when you get to your results.

2 At least 60% of customers will see a discounted policy in the top 10 results based on enquiries Oct 20 - Dec 20

How to compare car insurance quotes

We’re here to help you find cheap car insurance quotes effortlessly

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It doesn’t take long

Pop in a few details about yourself, your car and the cover you need

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We’ll search for savings

We’ll scour the market to find you the cheapest car insurance that offers the cover you need – you could save up to £2173

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Car Monitor

We can remind you when your MOT and tax are due, so you never miss your renewals

351% of consumers could save up to £217.95 on their annual car insurance premiums. Consumer Intelligence, December 2020

 

What level of cover do I need?

You’ll be able to choose from three basic levels of cover when you take out car insurance

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Fully comprehensive

A fully comprehensive car insurance policy will cover you for damage, repairs, medical expenses, fire damage and theft, as well as damage done to someone else, their car or their property

£513 on average4

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Third-party, fire and theft

Third-party, fire and theft policies offer cover for other people, their vehicles and their property, as well as protection for your own vehicle if it’s stolen or damaged by fire

£706 on average4

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Third-party only

Third-party only car insurance is the least comprehensive type of cover available, and it’s the minimum legal requirement you must meet to drive on UK roads. It’s also usually the most expensive of the three

£1,025 on average4

4Based on all policies sold, according to MoneySuperMarket data accurate as of December 2020

Do I need car insurance?

Car insurance is a legal requirement if you want to drive on UK roads. This is true for all drivers, 

so you'll be able to find car insurance for:

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Over 50s

 If you're a driver aged 50 or over

What types of cars can I insure? 

You should be able to find car insurance for most types of cars, though you may need to take out specialised cover for some vehicles.

  • Classic cars: Definitions vary between insurers but this generally means cars over 30 years old

  • Sports cars: Cars built low, and designed for performance and high speeds

  • Imported cars: A car model you've bought and had delivered from abroad

  • Modified cars: Cars that have had modifications such as custom bodywork or paint jobs, engine upgrades or new wheels

  • Electric cars: Cars that run purely on battery power

  • Green cars: Cars that are fuel efficient, built with hybrid engines, or rely on alternative fuels
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What other types of cover can I get?

Insurance providers also offer specific cover for

Average car insurance premiums by age and policy type

How much does car insurance cost?

The cost of your car insurance will depend on a range of factors, but in general you can expect your premiums to go down as you get older. 

This is because insurers see young drivers as posing a greater claim risk, largely due to their inexperience on the road and greater likelihood of being involved in an accident. 

 You’ll also likely get lower premiums if you choose a fully comprehensive policy, even though it offers the most cover out of the three options. 

It used to be the other way around, until insurers noticed the trend of more claims being made on third-party only policies, as younger or inexperienced drivers would choose this as the cheapest option. 

This ended up driving the price of third-party only policies up, so the trend reversed – and now fully comprehensive cover is cheapest.

What else affects your car insurance premiums?

Aside from your age and the type of policy you take out, your insurer will also consider a range of other factors so they can calculate how much of a risk you represent. Essentially, this is how likely you are to make a claim on your policy that they would need to pay out for – the more of a risk you pose, the higher your premiums are likely to be.

These factors include:

  • Your postcode: Certain areas may be more likely to see theft or vandalism

  • Your occupation: Some occupations might be seen as higher risks, especially if they involve driving a lot of miles or being around heavy machinery

  • Your mileage: Simply put, the longer you spend on the road the more likely you are to be involved in an accident

  • Your car make and model: Cars in higher insurance groups usually cost more to cover

  • Your car storage and security: Garages, driveways and car ports generally reduce the risk of theft or vandalism

  • Your driving history: This includes any driving convictions you may have as well as any claims you’ve previously made on car insurance policies

  • Your voluntary excess: Volunteering a higher excess fee tells insurers you’re less likely to make frivolous claims for low amounts

  • Any other drivers on your policy: If you’re under 25, you might find adding a more experienced driver to your policy brings your premiums down

How much does car insurance cost on average by region?

5Fully comprehensive policies with one driver only holding a full UK license. Data collected by MoneySuperMarket between January and September 2020, accurate as of October 2020.

What do you need to get a quote?

  • Tick icon

    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 any modifications you’ve made

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    Your details

    Including your job, your age and your address – and the same for any additional drivers you may have – as well as your claims and driving conviction history

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    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

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    Your licence

    The type of licence you have and how long you’ve held it. You can also add any additional driving qualifications you have here

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    No-claims discount (NCD) history

    Details of your no-claims discount will help lower the price you are quoted. Use our no-claims discount tool to find out how many years’ no-claims discount your insurer will honour

Which car insurance brands do we work with?

Shopping around and comparing quotes is the easiest way to get a good deal on your car insurance – and with MoneySuperMarket you’ll be able to compare hundreds of the biggest insurance providers in the country.

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Dave Merrick

Our expert says

"Car insurance can be expensive, but there are ways you can lower your premiums. Choosing fully comprehensive cover and paying annually can bring costs down, but shopping around is a quick and easy way to find a good deal "

- Dave Merrick, head of car insurance

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

Unlike some of our competitors, MoneySuperMarket is not owned by an insurance company. So we can offer the best value, with savings delivered straight to you.

We combine independence, so we can negotiate the best prices, with excellent technology, to find the best value products and services.

That makes us, in our customers' opinions, the best price comparison website.

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How can I get cheaper car insurance?

You may be able to lower the cost of your car insurance policy by doing the following:

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Build a no-claims discount

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 greater the discount should be

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Avoid modifications

Modifying your car can often mean more expensive repair costs or rarer spare parts required, so you’ll likely pay more to cover these

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Consider telematics

Telematics policies, sometimes known as black box car insurance, gives younger and inexperienced drivers a chance to earn lower premiums by demonstrating sensible driving habits

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 Avoid auto-renewing

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

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Pay annually

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

What policy features can I get with my car insurance?

When you take out car insurance, you'll be able to find policies with the following features.
However these will increase your premiums, so consider whether you really need the following:

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Breakdown cover

Which pays for the cost of calling out a mechanic if your car breaks down

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Courtesy car cover

Gives you access to a replacement
vehicle while yours is in for repair

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Windscreen cover

Which pays out for the cost of repairing
or replacing a cracked windscreen

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Car keys cover

To cover the cost of replacing your keys
if they’re lost, damaged or stolen

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Wrong fuel cover

Which will pay for the necessary repairs
required if you accidentally top up with the
wrong type of fuel

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No-claims discount cover

Protects your no-claims discount by allowing
you to make a certain number of claims within
a year before it affects your premiums

With the coronavirus pandemic causing travel restrictions and many of us staying home to work, most people have been spending less time in their cars. Because of this the government has announced some changes to the way things like MOTs, driving tests and other arrangements will be conducted. There could also be changes to your car insurance and breakdown cover. Read our coronavirus and car insurance guide to find out more.

Car insurance is a legal requirement for drivers in the UK, thanks to the continuous insurance enforcement rules brought in as part of the road safety act of 2006. This means that unless your car is registered as off the road with a SORN, or in the process of being bought or sold, you could be faced with a fine for not insuring your vehicle.

New drivers and young drivers alike generally pay much higher car insurance premiums as insurers see these groups as higher risks of being involved in a road accident – therefore more likely to claim on their insurance policy. 

While driving courses such as Pass Plus or IAM make you a better driver, they won’t always save you money on your car insurance policy. 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, but it’s better to shop around and compare options – this way if insurers do offer discounts you’ll be able to take advantage.

Telematics cover involves your insurer monitoring your driving habits and adjusting your premiums according to how you drive. They do this through one of three types of telematics tech – either a black box (the most common) installed under your dashboard, a plug-in device or an app on your smartphone.

This is particularly useful for sensible new drivers as it offers a way to get lower car insurance premiums as a reward for driving safely.

As a young or new driver, you might be able to knock a few quid off your premiums by adding another more experienced driver to your policy – in most cases this will be your parents. This suggests to insurers that you won’t be the only person driving the car, therefore the assumed risk won’t always quite so high.

While this can be a good way to get cheaper cover, people sometimes take advantage of this by declaring the older or more experienced driver as the ‘main driver’ – when in reality it’ll be the young or new driver using the car more frequently. This is known as ‘fronting’ and is illegal.

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. This is largely because in a way monthly payments are similar to taking out credit – you’ll be covered in full, but without having paid the full amount yet. 

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.

Excess payments refer to the cost of making a claim – it’s essentially 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.

A no-claims bonus is what you earn when you go some time without claiming on your policy. The longer you’ve gone without claiming, the more your insurers will knock off your premiums as they’ll see you as less likely to make further claims in the future.

You might consider not claiming for an accident if the damage done to your car is minor and it would be more sensible to pay for the repairs yourself – let’s say the excess you’d need to pay was more than the overall repair costs. This way you’ll preserve your no-claims bonus as well as being better off financially. 

If you’re involved in an accident and you decide not to make a claim, you should still inform your insurer. They’ll keep their records up to date, so they know what condition your vehicle is in and whether this will affect your likeliness of claiming some time in the future.

If you don’t keep your insurer updated, it’s possible this will void your insurance policy so you won’t be able to claim when you really need to.

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 have a bad credit score, it is still possible to get car insurance –  you just may need to shop around.

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 day 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.

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.

Car insurers collect data about previous claims and use it to predict how likely it is that people in different occupations will make a claim in future. If the insurer judges your job to be higher risk than another one, you’ll likely pay more. Find out more about why your job affects your car insurance cost.

Even if you have comprehensive car insurance, you might not be insured to drive someone else’s car. Cover for driving others cars (DOC) used to be included in most comprehensive policies but this is no longer the case. You will often have to request it and pay for it as an extra.

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).

Even if it wasn’t your fault, making a claim will almost always lead to an increase in your car insurance premium. A non-fault claim won't affect it as much as an at-fault claim will though.

To make a car insurance claim, you’ll first need to notify the police. They will give you a crime reference number that you’ll then need to give your insurer.

You usually have to call your insurer to make a claim, though you may also be able to claim online or by filling out a form and sending it by post.

There are a several reasons as to why a claim could be rejected:

  • Incorrect information: For example, about how something got damaged or you were dishonest about key personal information
  • Lack of due care: Leaving valuables on display in your car which are then stolen might mean you’re not covered, for example
  • Not reading or understanding your policy: You may miss certain clauses that specify conditions under which you can or cannot claim
  • Using out-of-date or invalid documentation: For example, if your road tax or MOT documents are out of date or your driving licence isn’t valid

 

MoneySuperMarket gives you lots of clever ways to save a lot, by doing very little.

  • Take control of your credit score by checking and improving it for free with Credit Monitor 
  • Never overpay again with Energy Monitor, our energy monitoring service 
  • Over 50 ways to Get Money Calm

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

But you might have other questions. Do we provide access to all the companies operating in a given market? Do we have commercial relationships or ownership ties that might make us feature one company above another?

We commit to providing you with clear and informative answers on all points such as this, so we have gathered the relevant information on this page.