Car Insurance calculator
Oops! Are you sure? This doesn't look right.
Results
Let's give you an estimate. Just pop in a few details to get started.
How does our car insurance calculator work?
Our calculator uses a few details about you and your car to estimate how much your insurance could cost - just provide your region, age and vehicle details, then click 'See your quick quote'. Then we'll show you an estimated annual premium based on historical MoneySuperMarket customer data for drivers and vehicles with similar characteristics.
You can then get a full car insurance quote to see prices based on your personal circumstances.
How we calculate your estimate
Our calculator uses historical MoneySuperMarket customer data to estimate insurance prices for drivers and vehicles with similar characteristics. Your result isn't a live insurance quote and the amount you're offered may differ.
How accurate is my car insurance estimate?
Our calculator gives you a useful starting point, but your actual insurance quote could be higher or lower. This is because insurers consider further information such as your driving experience, claims history, annual mileage and how you use your car - details you'll provide when getting a full quote.
For example, two drivers of the same age who live in the same area and drive identical cars could pay very different premiums if one has several years of no-claims discount and the other has recently made a claim.
How do insurers calculate my car insurance premium?
Insurers calculate your premium by assessing how likely you are to make a claim and how much that claim might cost. Some of the main factors they consider include:
Your age and experience: Younger or less experienced drivers often pay more because insurers may consider them a higher risk
Your driving history: Previous claims, motoring convictions and your no-claims discount can affect the price
Your location: Insurers consider risks associated with where you live, including local traffic, theft and claims patterns
Your vehicle: Its value, performance, security features and potential repair costs can influence your premium
Your mileage and usage: How far you drive and whether you use your car for commuting or business can affect the price of your policy
Your policy choices: The level of cover, voluntary excess, additional drivers and optional extras can all affect your quote
Each insurer weights these factors differently, which is why prices can vary between providers.
How much does car insurance cost?
The amount you pay for car insurance depends on your personal circumstances, vehicle and chosen policy. However, MoneySuperMarket customer data can give you a useful idea of what other drivers have paid.
Remember that these figures represent historical prices paid by customers, not guaranteed quotes, and your own premium could be significantly different. Fully comprehensive car insurance not only offers the most coverage, but it’s also typically the cheapest.
How can I get cheaper car insurance?
Comparing quotes is one of the best ways to find cheaper car insurance, but there are several other ways you may be able to reduce your premium:
Pay annually: Paying for the year upfront usually costs less overall than monthly payments, which may include interest
Choose a suitable excess: A higher voluntary excess could reduce your premium, but make sure you could afford the total excess if you claimed
Consider your mileage: Give an accurate estimate of how far you drive each year, rather than automatically setting a higher figure
Review optional extras: Check whether you need additional benefits or already have similar protection elsewhere
How do I get an accurate car insurance quote?
The best way to find out how much your car insurance will cost is to compare quotes with MoneySuperMarket. You'll be able to compare policies from different insurers using information about your vehicle, driving history, annual mileage and the cover you need. You can compare annual and monthly costs, excesses and policy benefits before choosing the option that suits you.
Frequently asked questions
Is the car insurance calculator free?
Yes, you can use MoneySuperMarket's quick car insurance calculator for free to get an estimate based on your details and historical customer data. You don't need to buy a policy to use it.
Why is my car insurance quote higher than the calculator estimate?
Your actual quote may be higher because insurers consider information the quick calculator doesn't use, such as claims, convictions, mileage, vehicle modifications and policy choices. Insurers also assess risk differently, so prices can vary.
Can I calculate car insurance before buying a car?
Yes, if you know the vehicle's make, model and year, you can use the calculator to get an initial estimate. However, it's worth getting personalised quotes before buying, especially if you're comparing vehicles with different insurance costs.
Can I calculate how much my car insurance will cost monthly?
The quick calculator provides an estimated annual premium rather than a personalised monthly payment - for a monthly price, you'll need to get full quotes. Paying monthly may involve interest or other charges, making the total cost higher than paying annually.
Does my car's insurance group affect the price?
Yes, insurers usually consider vehicle characteristics including performance, security and repair costs, which are reflected in insurance groups and newer vehicle risk ratings. However, your car's classification is only one of several factors affecting the price.
Author
Mehdi Punjwani
Insurance specialist
Mehdi is a financial writer and editor with over six years of experience in personal finance. He has written for organisations and publications including Equifax, The AA, and USAToday, covering a...
