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Car insurance

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Compare cheap car insurance quotes from 169 providers1

We work with the most trusted UK car insurance providers so you can compare cover and find the policy that's best for you. Save up to £580 on your car insurance*

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1 Accurate as of February 2024.

*51% of consumers could save up to £580.23. Consumer Intelligence, December 2023. UK Only.

What do I need to get car insurance quotes?

It's quick and easy to compare car insurance quotes. We just need a few details from you:

  • 1

    Your details and your licence

    Including your job, age and your address, plus the same for named drivers. We'll also need to know the type of licence you have, how long you've had it, previous claims and driving history

  • 2

    No-claims discount (NCD) history

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

  • 3

    Details of the car

    The car’s registration number if you know it. If not, the make and model is fine. We’ll also need the car’s age and any modifications you’ve made


  • 4

    What you'll use the car for

    Social, commuting or business, and how many miles you’ll do in a year. You’ll also need to say where you’ll keep the car at night for security

Why compare car insurance quotes with MoneySuperMarket?

We compare some of the best car insurance providers in the market, which makes it quick and easy to find personalised cover in minutes.

  • Trusted

    With 30 years' experience, we're trusted by our customers. We only work with insurance providers authorised and regulated by the FCA.

  • Save Time & Money

    For free, compare tailored quotes in minutes and find the cheapest deal for you. If you find the same deal for less, we'll price match* and give you a £20 gift card.

  • Earn Rewards

    Buy car insurance through us and get unlimited access to free days out (on our app) and much more with SuperSaveClub.

*Restrictions and T&Cs apply, click here for details.

Why has the price of car insurance gone up?

UK car insurance premiums hit a record high in 2023 according to ABI and their motor insurance premium tracker. These price increases are due to a number of factors, including:

  • An increase in car insurance claims

  • Increased energy costs

  • Increased costs for replacement parts and repairs

  • Increased labour costs

For a full overview of why the cost of car insurance has gone up, check out our article 'Why is car insurance suddenly so expensive?'

How can I get cheaper car insurance?

There are different ways to lower your car insurance premiums, and get a cheaper quote:

  • Minus

    Cut out the extra cover

    Add-ons like breakdown cover and car keys cover cost extra to add to your policy. To save money, consider cutting out optional extras that may be cheaper to pay for out of pocket

  • Minus

    Increase your excess

    One of the simplest ways to reduce your insurance cost is to increase your voluntary excess. Be careful not to increase your excess so much that you can't afford it

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    Consider telematics

    Telematics policies, sometimes known as black box car insurance, give younger and inexperienced drivers a chance to earn lower premiums by showing that they have sensible driving habits

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    Avoid auto-renewing

    Your car insurance policy is likely to be renewed automatically when the term ends, but you may be able to find a cheaper deal if you compare quotes from other providers 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 it typically costs less overall than if you were to pay monthly instalments

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    Park your car off the road

    You can reduce the cost of car insurance by parking your car off the road when you're not using it. The best place to keep it overnight to reduce your insurance cost would be in a locked garage

  • Minus

    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 bigger the discount should be

  • Minus

    Avoid modifications

    Modifying your car can often mean more expensive repair costs, or needing spare parts that are harder to get, so you’ll likely pay more to cover these

What affects your car insurance premiums?

Insurers consider lots of things when they work out how risky you might be – and the more of a risk you pose, the higher the price of your car insurance will be. 

Considerations include:

  • Plus

    Your location

    Some postcodes may have higher rates of theft or vandalism than others

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    Your job

    Insurers see some jobs as higher risk, especially if they involve a lot of driving

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    Your mileage

    The longer you spend on the road, the more likely you are to be involved in an accident

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    Your car make and model

    Cars in higher insurance groups usually cost more to cover

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    Your driving history

    This includes driving convictions as well as any claims you’ve made on car insurance policies

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    Your voluntary excess

    higher excess tells insurers you’re less likely to make frivolous claims for low amounts

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    Any other drivers on your policy

    Adding a more experienced driver to young driver policies may reduce premiums

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    Your no claims discount

    A good no claims bonus demonstrates that you are a safe driver and don't make frivolous claims

  • Plus

    Any vehicle modifications

    Some modifications can increase your vehicle's risk of theft, vandalism, or accidents

Join thousands of customers who compared and bought their car insurance through us

Our reviews are from genuine customers who compared quotes and bought their car insurance through MoneySuperMarket.

We're proud to share that our car insurance comparison service is highly rated by our customers.

Based on 86,391 reviews
our customers rate us

4.7/5
Very well priced and excellent quality
Very easy to use site.Set out well. Payment went through smoothly. Good communication.
I have saved over 200 pounds on my car insurance by switching insurers and ignoring the renewal notice from the existing insurance company

What type of car insurance cover do I need?

There are three types of cover to choose from when you buy car insurance. These are:

  • Fully comprehensive

    Fully comprehensive cover is the best car insurance policy as it gives you the highest level of protection. It will cover you for a wide range of risks, often at the cheapest price.

    Average annual cost: £6514

  • Third-party, fire and theft

    Third-party, fire and theft covers your vehicle for theft, accidents, and fire damage as well as other people, their vehicles, and their property

    Average annual cost: £9724

  • Third-party only

    Third-party cover is the minimum legal requirement. Despite only covering injuries and property damage, it’s usually more expensive than fully-comp cover

    Average annual cost: £7654

4Based on annual price of car insurance policies with one driver holding a full UK driving licence for at least 12 months. MoneySuperMarket data, collected between October 2023 and December 2023

What types of car insurance policy can I get?

As well as a standard car insurance policy, we can help you find specialised car insurance policies for some specific circumstances:

  • Business use

    Standard car insurance won't cover business use, so you need a special policy for work vehicles

  • Short term cover

    This lets you take out temporary car insurance from anywhere between a day and a few months

  • Multiple cars

    This car insurance type gives you the option of adding more than one car to your policy

  • Telematics

    Get a chance to bring your premiums down by installing a black box, which monitors your driving habits.

  • Learner drivers

    If you’re learning in your own car, learner driver insurance provides cover while you’re practising to pass your test

  • Over 50s

    Some providers offer tailored car insurance for drivers over 50, so it’s worth comparing the whole market

  • New drivers

    All drivers, including newly qualified drivers, are required to have car insurance when driving on the road

What types of cars can I insure?

You should be able to find car insurance for most types of cars, but if your wheels are a little out of the ordinary, you might need to get more specialised cover.

HMRC defines a classic car as over 15 years old and valued over £15,000. Premiums are typically cheaper than standard policies because older vehicles have lower speed limits and classic car owners tend to keep their car well looked after, as well as being on the road less often.

Cars built low and designed for performance and high speeds. Premiums tend to be more expensive than standard car insurance because sports cars have more powerful engines and can reach higher speeds, increasing the statistical likelihood of an accident.

An imported car is a model you've bought and had delivered from abroad. They're often more difficult and expensive to insure because they usually cost more to repair, and are often higher-spec, with more powerful engines. They're sometimes modified to fit with UK regulations - all this leads to extra hassle and risk for insurers.

Cars that have had modifications such as custom bodywork or paint jobs, engine upgrades or new wheels. Upgrading your car's appearance, performance, handling or function means that insurers classify it as a greater risk and charge more for your cover.

Cars that run purely on battery power. Electric cars are fairly new to the market, and they use technology that isn’t as wide-spread as standard petrol cars. As such they can be more expensive to repair, and therefore also more expensive to insure.

Cars that are fuel efficient, built with hybrid engines, or rely on alternative fuels. Premiums will depend on your policy, your car and how you drive. Some insurers do offer lower premiums and deals for green and hybrid vehicles, so do your research before choosing a policy

What add-ons can I get with my car insurance?

Add-ons can help you to cover additional costs that your insurance policy wouldn’t normally cover as standard, and there are plenty of options to choose from. However, it’s worth remembering that optional extras such as breakdown cover and windscreen cover come at an extra cost, so consider whether you need a particular type of cover before adding it to your policy.

Faith Archer

Our expert says

"

Don’t let your car insurance policy auto renew without shopping around. Since 2022, car insurers can no longer charge existing customers more than new customers for the same policy, but it’s still worth comparing policies to check if you can get better value cover elsewhere.

"
- Faith Archer, Personal Finance Expert

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.

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).

Excess payments refer to the cost of making a claim – compulsory excess is 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.

no-claims bonus – also known as a no-claims discount – can cut the cost of your car insurance. The longer you drive without claiming, the bigger the discount you can earn when renewing your cover, because the insurer will assume you are less likely to claim in future. You might consider not claiming for an accident if the damage to your car is minor and it would be more sensible to pay for the repairs yourself – for example, if the excess you’d need to pay is more than the overall repair costs. This way you’ll preserve your no-claims bonus as well as being better off financially.

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, because insurers add on a fee for monthly payments. 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. Just remember that if you choose to pay monthly, most insurers will do a credit check to see if you can afford it.

While advanced driving courses such as Pass Plus or IAM (Institute of Advanced Motorists) make you a better driver, they won’t always save you money on your car insurance. 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, and if the skills you learn help you avoid accidents in the future, this will also help keep your insurance costs down. However, any discounts will depend on the individual insurer, and the course itself may cost more than any savings on your insurance cover. You may well save more by shopping around and comparing deals from different providers.

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 want to pay for your car insurance monthly, the insurer will do a credit check to see if you’re likely to be 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. A record of this search will remain on your credit file. If you have a bad credit score, it is still possible to get car insurance –  but you may be charged a higher interest rate on monthly payments. If you have struggled to repay credit in the past, or if you have a county court judgement (CCJ) against your name, then you may not be allowed to pay monthly.

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 week 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.

You don’t need car insurance when your car is off the road, as long as you’ve made a Statutory Off-Road Notification (SORN).

This tells the Driver and Vehicle Licensing Agency (DVLA) your car is not in use and means you don’t need to pay vehicle tax or buy car insurance – as long as it’s kept off the road.

You can check whether your car is insured by visiting the Motor Insurance Database (MID). The MID is the central record of all vehicles insured in the UK. 

It's free to use and it identifies the make and model of your car as well as whether your car is insured.

Any-driver insurance allows anyone to drive your car (with your permission). This is handy if you have lots of family and friends that want to borrow your car. The downside is that it can be expensive, as your insurance provider can't be sure who's driving the car at any given time. 

You shouldn’t need to pay any admin fees unless you make any changes to your policy or need replacement documents. You may be charged an adjustment fee if you need to change something on your policy like your address, car registration or adding a named driver, for example. 

Charges vary between providers, and some will let you make small charges online for free. Keep an eye out for admin fees when comparing policies.

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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