Skip to content
Did you know your browser is out of date?
To get the best experience when using our website we recommend that you upgrade to the latest version of one of these browsers.

Car Insurance Northern Ireland

We find you the best deals on your car insurance

Why buy cheap Northern Ireland car insurance from us?

  • Find affordable cover in Northern Ireland
  • Automatic MOT, tax and insurance reminders
  • It's fast, free and simple!

How to compare car insurance quotes in Northern Ireland

Find cheap car insurance quotes in Northern Ireland with MoneySuperMarket:

clock icon

It doesn’t take long

Pop in a few details about yourself,
your car and driving history, and
any named drivers

switch icon

We’ll search for savings

We’ll scour the market to find you the
cheapest car insurance that offers the
cover you need

car monitor icon

Car Monitor

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

How much does car insurance cost in Northern Ireland?

The average price of car insurance quotes varies in Northern Ireland according to where you live. The most expensive place to insure a car is County Tyrone, with County Down the cheapest.

Like the rest of the UK, younger drivers will pay more for car insurance than older drivers in Northern Ireland. Motorists aged between 17 and 24 traditionally pay much more for car insurance than older drivers – and it’s those 19 or younger that pay the most, over £800 more a year than drivers aged 25 to 29.‡

northern ireland illustration

‡ According to MoneySuperMarket correct as of June 2020

How to get cheaper car insurance in Northern Ireland

If you live in Northern Ireland, the good news is there are still ways to keep your car
insurance premiums affordable. Here are some top tips to lower your premium:

  • refresh icon

    Don’t auto-renew

    Over a third of motorists let their policy renew automatically. Don't be one of them - shop around

  • telematics icon

    Telematics

    Earn a lower premium with a telematics policy by showing you can drive safely and sensibly

  • Scales icon

    Compare quotes

    51% of customers who search for car insurance with us could save up to £217* on their premium

  • calendar icon

    Pay annually

    Insurers charge more when spreading the cost of cover over 12 months, pay annually to save

  • coin icon

    Increase your excess

    Insurers are likely to reduce the cost of cover if you're willing to increase your excess

  • coins icon

    Pay a higher voluntary excess

    Paying a higher voluntary excess shows insurers you won’t bother with frivolous claims

  • two people icon

    Add an older, experienced driver

    Shows insurers that you won’t be solely responsible for the vehicle - but beware of fronting

  • car front view icon

    Watch your driving

    Earn a no-claims discount by driving carefully and sensibly, bringing your premiums down over time

Get insured in Northern Ireland

There are three main types of car insurance:

1 icon

Fully comprehensive

Fully comprehensive insurance protects you, your car and other motorists from damage. It also covers medical expenses, repairs, fire damage and theft of your vehicle

£559 on average

2 icon

Third-party, fire and theft

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

£1,356 on average

3 icon

Third-party only

The minimum legal requirement, third-party insurance will only cover any damage you cause to other people, their cars and their property. It won't cover injuries to you or damage to your vehicle

£926 on average

Based on all policies sold, according to MoneySuperMarket data between June 2019 and May 2020, accurate of June 2020

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.

9.1/10

of our customers would buy again based on 71,657 reviews

How to get a car insurance quote

To compare your personalised car insurance quotes, we’ll need some information on the following:

  • 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

  • Tick icon

    Your details

    sIncluding 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

  • Tick icon

    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

  • Tick icon

    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

  • Tick icon

    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?

We compare dozens of the biggest insurance providers in the country, including:

company logo for lvcompany logo for one callcompany logo for esurecompany logo for Admiralcompany logo for hastingscompany logo for aacompany logo for Churchill

Car insurance in Northern Ireland has historically been more expensive than in the rest of the UK. And although car insurance prices have risen steadily in Northern Ireland, costs have risen faster elsewhere in the UK – making premiums less expensive, relatively speaking.

Data shows that Scotland and Wales both have cheaper insurance than Northern Ireland, but this is perhaps due to the fact Northern Ireland has a statistically younger populace.

Premiums for younger and less experienced drivers – especially those aged between 17 and 24 – are higher because they are statistically more likely to be in an accident or make claims on their car insurance, and because when they do have accidents, they tend to have more passengers.

Most UK car insurance policies do cover you for driving in Northern Ireland, however it is best to check your policy before you travel.

If you are planning to move to Northern Ireland, it’s important that you let your insurer know in advance. A change in address represents a significant update, and depending on where you move from and to, your premium could change based on data around road traffic accident and crime rates.

The average price of car insurance quotes varies in Northern Ireland according to where you live, how old you are and other factors such as the type of car you have.

When you take out car insurance, you'll be able to find policies with extra features.

However these will increase your premiums, so consider whether you really need the following:

If you’re planning on catching a ferry into and out of Northern Ireland, ferry cover may or may not be included in your policy. And once you’re on board, the cover may differ depending on what your policy states. 

It’s also important to note that if you did breakdown in Northern Ireland, not all breakdown providers will cover the cost of the ferry transportation back, whether you have nationwide recovery or not.

We recommend reading your paperwork before you travel to make sure you’re fully protected and to give yourself peace of mind.

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.