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  • Find affordable cover in Northern Ireland with MoneySuperMarket


Which car insurance brands do we work with?

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

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Why compare northern ireland car insurance with moneysupermarket

Find cheap car insurance quotes in Northern Ireland with MoneySuperMarket:

  • It doesn’t take long

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

  • We’ll search for savings

    We’ll scour the market to find you thecheapest car insurance that offers thecover you need

  • Car Monitor

    We can remind you when your MOTand tax are due, so you never missyour renewals

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 carinsurance premiums affordable. Here are some top tips to lower your premium:

  • 1

    Don’t auto-renew

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

  • 2


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

  • 3

    Compare quotes

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

  • 4

    Pay annually

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

  • 5

    Increase your excess

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

  • 6

    Pay a higher voluntary excess

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

  • 7

    Add an older, experienced driver

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

  • 8

    Watch your driving

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

What types of cover are available in Northern Ireland?

There are three main types of car insurance:

  • 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

  • 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

  • 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

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.

By combining independence with our excellent technology, we can negotiate the best prices and the best value on products and services.

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What do I need to get a quote?

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

  • Tick

    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

    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

    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

    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

    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

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:

  • Breakdown cover: Pays for the cost of calling out a mechanic if your car breaks down

  • Courtesy car cover: Gives you access to a replacement vehicle while yours is in for repair

  • Personal accident cover: Offers a lump sum if you’re injured or killed in a road accident

  • Motor legal protection: Covers legal fees you might face in relation to a road accident

  • Windscreen cover: Pays out for the cost of repairing or replacing a cracked windscreen

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

  • Wrong fuel cover: Pays for the necessary repairs required if you accidentally top up with the wrong type of fuel

  • Personal belongings cover: Protects your belongings if you leave them in your car

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.

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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  • There are always more ways to save with MoneySuperMarket 

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.