Car insurance facts, trends and stats - 2025
Find the latest car insurance statistics and trends in 2025, including the average cost of insuring your car, how different factors impact the price you're quoted, and the latest data on new and young drivers.
Key stats
Fully comprehensive cover is the cheapest option for most drivers - jump to data
It costs extra to pay monthly. Those paying annually pay £546.07[1]Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in January 2025, with one driver who has held their licence for at least one year. on average, while those paying monthly pay £573.26[2]Based on the median total monthly price of comprehensive policies sold through MoneySuperMarket in January 2025. - jump to data
Drivers in London pay a premium on car insurance, while those in the South West pay the least - jump to data
Building a no claims bonus is one of the most effective ways to bring down the cost of insurance - jump to data
Only 26%[3]Based on the car insurance policies sold through MoneySuperMarket between November 2024 and January 2025. of drivers purchase add-ons like breakdown cover, spending £33[3]Based on the car insurance policies sold through MoneySuperMarket between November 2024 and January 2025. on average - jump to data
Car-related crimes in your area could be affecting your car insurance
The best time to renew your car insurance is likely to be 28[4]Based on the median annual price by the number of days to policy start date for car insurance policies sold through MoneySuperMarket between November 2024 and January 2025. days before your renewal date - jump to data
Key trends for new and young drivers
17-19 year olds pay far more for car insurance than any other age group, paying £1511.72[5]Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in January 2025. a year - jump to data
Although it's cheaper, young drivers between the ages of 20-29 are still paying £1115.93[5]Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in January 2025. a year for car insurance - jump to data
Overestimating your annual mileage could lead to higher premiums - jump to data
Car insurance pricing statistics
Price by policy type
Policy type | Average total price when you pay annually | Average total price when you pay monthly |
|---|---|---|
Fully comprehensive | £546.07[1]Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in January 2025, with one driver who has held their licence for at least one year. | £573.26[2]Based on the median total monthly price of comprehensive policies sold through MoneySuperMarket in January 2025. |
Third party, fire and theft | £650.95[6]Based on the median annual price of third party, fire & theft car insurance policies sold through MoneySuperMarket in January 2025, with one driver who has held their licence for at least one year. | £813.16[7]Based on the median total monthly price of third party, fire & theft policies sold through MoneySuperMarket in January 2025. |
Third party only | £790.72[8]Based on the median annual price of third party only car insurance policies sold through MoneySuperMarket in January 2025, with one driver who has held their licence for at least one year. | £973.80[9]Based on the median total monthly price of third party only policies sold through MoneySuperMarket in January 2025. |
Despite offering the highest level of cover, fully comprehensive is also the cheapest choice for most drivers. And it's cheaper to pay your car insurance up front if you can. Insurers charge interest on top of monthly payments.
Regional pricing trends
Region | Average annual premium |
|---|---|
London | £858.91[10]Based on the median annual price of comprehensive policies sold through MoneySuperMarket in January 2025. |
West Midlands | £622.07[10]Based on the median annual price of comprehensive policies sold through MoneySuperMarket in January 2025. |
North West | £586.63[10]Based on the median annual price of comprehensive policies sold through MoneySuperMarket in January 2025. |
Yorkshire and the Humber | £551.77[10]Based on the median annual price of comprehensive policies sold through MoneySuperMarket in January 2025. |
East Midlands | £510.39[10]Based on the median annual price of comprehensive policies sold through MoneySuperMarket in January 2025. |
South East | £493.56[10]Based on the median annual price of comprehensive policies sold through MoneySuperMarket in January 2025. |
South West | £414.05[10]Based on the median annual price of comprehensive policies sold through MoneySuperMarket in January 2025. |
London drivers pay the highest average annual premiums at £858.91[10]Based on the median annual price of comprehensive policies sold through MoneySuperMarket in January 2025.. Drivers in the South West of England pay the lowest average annual premiums at £414.05[10]Based on the median annual price of comprehensive policies sold through MoneySuperMarket in January 2025..
Country | Average annual premium |
|---|---|
Northern Ireland | £558.98[10]Based on the median annual price of comprehensive policies sold through MoneySuperMarket in January 2025. |
Scotland | £463.33[10]Based on the median annual price of comprehensive policies sold through MoneySuperMarket in January 2025. |
Wales | £439.35[10]Based on the median annual price of comprehensive policies sold through MoneySuperMarket in January 2025. |
Drivers in Wales typically pay less for car insurance.
Car models and how they impact annual premiums
Automatic cars are more expensive to insure, with average premiums sitting at £624.68[10]Based on the median annual price of comprehensive policies sold through MoneySuperMarket in January 2025.
Manual transmission cars were less expensive to insure, coming in at £468.91[10]Based on the median annual price of comprehensive policies sold through MoneySuperMarket in January 2025.
Automatic cars typically come with higher claims costs and are generally more expensive to repair than manuals, resulting in higher premiums.
Car usage's impact on annual premiums
Social use vs social and commuting
If you just use your car for social use (no commuting), you can expect cheaper premiums than motorists who use their car for commuting.
Business use
On average, it's more expensive to insure your car for business use by any driver (£608.72[10]Based on the median annual price of comprehensive policies sold through MoneySuperMarket in January 2025.) than it is to insure the policyholder alone (£485.54[10]Based on the median annual price of comprehensive policies sold through MoneySuperMarket in January 2025.).
Adding your spouse or civil partner to your business use insurance policy can be cheaper than taking out a business use policy for the policyholder alone.
Business use policies with a spouse/civil partner cost £413.11[10]Based on the median annual price of comprehensive policies sold through MoneySuperMarket in January 2025., whereas business use policies for just the policyholder cost £485.54[10]Based on the median annual price of comprehensive policies sold through MoneySuperMarket in January 2025..
Only insure your car for how you plan to use it. It's worth adding your spouse or civil partner to your business use policy when getting a quote to see if it brings down your premiums.
Annual premium by age group
Age group | Average annual premium |
|---|---|
17-19 | £1511.72[5]Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in January 2025. |
20-29 | £1115.93[5]Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in January 2025. |
30-39 | £685.08[5]Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in January 2025. |
40-49 | £537.12[5]Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in January 2025. |
50-59 | £417.78[5]Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in January 2025. |
60 and over | £380.66[5]Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in January 2025. |
Insurance is up to 77% more expensive for drivers aged 17-19 vs. drivers in their twenties.
Annual premiums by no claims discount length
No claims discount | Average annual premium |
|---|---|
0 Years | £1250.67[10]Based on the median annual price of comprehensive policies sold through MoneySuperMarket in January 2025. |
1 Year | £988.83[10]Based on the median annual price of comprehensive policies sold through MoneySuperMarket in January 2025. |
2 Years | £849.17[10]Based on the median annual price of comprehensive policies sold through MoneySuperMarket in January 2025. |
5 Years | £644.10[10]Based on the median annual price of comprehensive policies sold through MoneySuperMarket in January 2025. |
10 Years | £433.73[10]Based on the median annual price of comprehensive policies sold through MoneySuperMarket in January 2025. |
15 Years | £416.59[10]Based on the median annual price of comprehensive policies sold through MoneySuperMarket in January 2025. |
20 Years | £366.55[10]Based on the median annual price of comprehensive policies sold through MoneySuperMarket in January 2025. |
Building a no claims discount is an effective way to bring down the cost of your insurance over time.
Annual premiums by how long you've held a license
Years with license | Average annual premium |
|---|---|
Under 1 Year | £1593.63[10]Based on the median annual price of comprehensive policies sold through MoneySuperMarket in January 2025. |
1 Year | £1285.54[10]Based on the median annual price of comprehensive policies sold through MoneySuperMarket in January 2025. |
5 Years | £865.57[10]Based on the median annual price of comprehensive policies sold through MoneySuperMarket in January 2025. |
10 Years | £691.40[10]Based on the median annual price of comprehensive policies sold through MoneySuperMarket in January 2025. |
20 Years | £524.36[10]Based on the median annual price of comprehensive policies sold through MoneySuperMarket in January 2025. |
30 Years | £422.00[10]Based on the median annual price of comprehensive policies sold through MoneySuperMarket in January 2025. |
40 Years | £362.14[10]Based on the median annual price of comprehensive policies sold through MoneySuperMarket in January 2025. |
50 Years | £378.17[10]Based on the median annual price of comprehensive policies sold through MoneySuperMarket in January 2025. |
New drivers can expect premiums to drop significantly after their first year of driving; and the longer you drive the less your insurance will cost.
Annual premiums by mileage
Annual mileage | Average annual premium |
|---|---|
0-5,000 | £548.86[10]Based on the median annual price of comprehensive policies sold through MoneySuperMarket in January 2025. |
5,001-10,000 | £535.27[10]Based on the median annual price of comprehensive policies sold through MoneySuperMarket in January 2025. |
10,001-20,000 | £517.67[10]Based on the median annual price of comprehensive policies sold through MoneySuperMarket in January 2025. |
20,001-30,000 | £623.63[10]Based on the median annual price of comprehensive policies sold through MoneySuperMarket in January 2025. |
30,001-40,000 | £620.79[10]Based on the median annual price of comprehensive policies sold through MoneySuperMarket in January 2025. |
50,000+ | £707.82[10]Based on the median annual price of comprehensive policies sold through MoneySuperMarket in January 2025. |
Insurance premiums start to rise when you pass 20,000 miles. This is partly because cars driving under 20,000 miles a year are typically cars driven for pleasure, which tend to be more expensive vehicles that cost more to repair.
Annual premiums by vehicle insurance group
Vehicle insurance group | Average annual premium |
|---|---|
1-10 | £447.41[11]Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in January 2025, with one driver who has held their licence for at least one year. |
11-20 | £510.42[11]Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in January 2025, with one driver who has held their licence for at least one year. |
21-30 | £575.38[11]Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in January 2025, with one driver who has held their licence for at least one year. |
31-40 | £705.32[11]Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in January 2025, with one driver who has held their licence for at least one year. |
41-50 | £885.35[11]Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in January 2025, with one driver who has held their licence for at least one year. |
If your vehicle falls into a lower insurance group, it's likely going to cost you less to insure it. Cars in lower groups are typically lower-spec and cheaper to repair.
Check which insurance group your call falls into by entering your registration:
Retrieving data...
Your car
Your car insurance group
Group 8/50
This car is among the lower insurance groups which should be good news for your premium. Cars in lower groups are typically cheaper to insure.
This car ranks in the middle insurance groups so it isn’t among the cheapest cars to insure, but it won’t be one of the most expensive.
This car is towards the higher end of the scale which means it could be relatively expensive to insure.
Car insurance add-ons and costs
Add on | Uptake | Cost |
|---|---|---|
Breakdown cover | 19%[3]Based on the car insurance policies sold through MoneySuperMarket between November 2024 and January 2025. | £31[12]Based on car insurance policies sold through MoneySuperMarket between November 2024 and January 2025 where the user requested Breakdown Cover and it wasnt included as standard cover. |
Courtesy car | 28%[3]Based on the car insurance policies sold through MoneySuperMarket between November 2024 and January 2025. | £10[13]Based on car insurance policies sold through MoneySuperMarket between November 2024 and January 2025 where the user requested Courtesy Car Cover and it wasnt included as standard cover. |
Legal cover | 32%[3]Based on the car insurance policies sold through MoneySuperMarket between November 2024 and January 2025. | £29[14]Based on car insurance policies sold through MoneySuperMarket between November 2024 and January 2025 where the user requested Legal Cover and it wasnt included as standard cover. |
Personal injury cover | 19%[3]Based on the car insurance policies sold through MoneySuperMarket between November 2024 and January 2025. | £22[15]Based on car insurance policies sold through MoneySuperMarket between November 2024 and January 2025 where the user requested Personal Accident Cover and it wasnt included as standard cover. |
On average, 26%[3]Based on the car insurance policies sold through MoneySuperMarket between November 2024 and January 2025. of motorists purchase an add-on with their car insurance policies, costing £33[3]Based on the car insurance policies sold through MoneySuperMarket between November 2024 and January 2025. on average .
Cheapest time to renew
Number of days before the policy renewal date | Average premium |
|---|---|
0 - renewing on the day your insurance ends | £761[16]Based on the median annual price where the days to policy start date is 0 days for car insurance policies sold through MoneySuperMarket between November 2024 and January 2025. |
1 - renewing the day before | £711[17]Based on the median annual price where the days to policy start date is 1 days for car insurance policies sold through MoneySuperMarket between November 2024 and January 2025. |
10 | £520[18]Based on the median annual price where the days to policy start date is 10 days for car insurance policies sold through MoneySuperMarket between November 2024 and January 2025. |
20 | £448[19]Based on the median annual price where the days to policy start date is 20 days for car insurance policies sold through MoneySuperMarket between November 2024 and January 2025. |
25 | £423[20]Based on the median annual price where the days to policy start date is 25 days for car insurance policies sold through MoneySuperMarket between November 2024 and January 2025. |
26 | £420[21]Based on the median annual price where the days to policy start date is 26 days for car insurance policies sold through MoneySuperMarket between November 2024 and January 2025. |
27 | £419[22]Based on the median annual price where the days to policy start date is 27 days for car insurance policies sold through MoneySuperMarket between November 2024 and January 2025. |
28 | £392[23]Based on the median annual price where the days to policy start date is 28 days for car insurance policies sold through MoneySuperMarket between November 2024 and January 2025. |
29 | £486[24]Based on the median annual price where the days to policy start date is 29 days for car insurance policies sold through MoneySuperMarket between November 2024 and January 2025. |
30 | £915[25]Based on the median annual price where the days to policy start date is 30 days for car insurance policies sold through MoneySuperMarket between November 2024 and January 2025. |
The best time to renew your car insurance is likely to be 28[4]Based on the median annual price by the number of days to policy start date for car insurance policies sold through MoneySuperMarket between November 2024 and January 2025. days before your renewal date.
Telematics insurance statistics
Policy type | Average annual premium |
|---|---|
Telematics | £1188.67[10]Based on the median annual price of comprehensive policies sold through MoneySuperMarket in January 2025. |
Non-telematics | £506.27[10]Based on the median annual price of comprehensive policies sold through MoneySuperMarket in January 2025. |
Telematics policies are more expensive on average because policyholders tend to be younger. Car insurance for younger drivers is typically more expensive.