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Car insurance
Compare car insurance quotes with Save More Money
How it Works
1. Tell us about you and your car
2. Select your cover type
3. Choose your policy
You’ll receive quotes from a carefully selected panel of over 110 trusted UK insurers, including:
What Level of Car Insurance Do I Need?
Fully Comprehensive
Fully comprehensive insurance gives you the highest level of cover. It protects you if your car is damaged, stolen, catches fire, or written off. It can also cover medical costs after an accident.
Policies can vary, so always check what’s included before you buy.
Who is it for?
Most drivers. It usually offers the best value, but it’s important to check the details with each insurer.
Includes:
- Damage to your car
- Theft, fire, and vandalism
- Medical expenses
- Potential cover for belongings, legal fees, and windscreen
Third Party, Fire & Theft
Third party, fire and theft (TPFT) insurance covers damage you cause to other people, their vehicles, or property. It also protects your car if it’s stolen, damaged in a theft attempt, or catches fire.
It won’t cover repairs to your own car if you're at fault in an accident.
Who is it for?
TPFT is less popular these days. It often costs more than fully comprehensive cover, but gives you less protection.
Includes
- Damage to others
- Theft of your vehicle
- Fire damage to your car
Third Party Only
Third party only (TPO) is the minimum legal cover to drive in the UK. It pays for damage you cause to other people’s cars or property - but won’t cover your own vehicle.
Who is it for?
Drivers on a budget. It’s often the cheapest option, but not always the best value as it offers very limited protection.
Includes
- Damage to other people and their vehicles
- Doesn’t cover your own car at all
Ready to get insured now?
How much does car insurance cost?
The cost of car insurance depends on things like your age, driving history, the type of cover you choose, and whether you have a no-claims bonus.
In 2025, insurance will cost £664.68 for the average UK motorist.
When it comes to individual costs, it will depend on how likely you are to make a claim on your insurance policy. Insurers use the details you provide when you get a quote to judge how risky you are to insure.
Some of the biggest risk indicators are your age and location. The average insurance costs shown below display just what a massive difference these can make to the price of your insurance.
London drivers finally have something to celebrate, as the average cost for insurance drops below £1,000 for the first time since 2023. Wales averages also fell by 2 positions in the same period.
| Region | Average Car Insurance Premium | ||
|---|---|---|---|
| 1 | London | £991.08 | |
| 2 | West Midlands | £786.92 | |
| 3 | North West England | £698.95 | |
| 4 | Yorkshire | £696.35 | |
| 5 | East Midlands | £651.77 | |
| 6 | South East England | £612.27 | |
| 7 | East of England | £607.19 | |
| 8 | Northern Ireland | £594.92 | |
| 9 | North East England | £556.80 | |
| 10 | Scotland | £549.79 | |
| 11 | Wales | £542.16 | |
| 12 | South West England | £501.63 |
How to get cheaper car insurance
Pay annually
It’s usually cheaper than monthly payments, as there are no added finance charges.
Boost your car’s security
Fitting alarms or steering locks, and parking off-road, can reduce your premium.
Increase your voluntary excess
A higher excess often means a lower premium—just make sure it’s affordable if you need to claim.
Build your no-claims discount
Every year you go without claiming can lower your future premiums.
Drive fewer miles
Less time on the road = less risk = cheaper cover.
Consider a black box
Telematics policies track your driving. Safer drivers often pay less.
Add-ons to consider
Windscreen Cover
Covers the cost of repairing or replacing chipped or cracked glass.
Breakdown Cover
Helps you get home or to a garage if your car breaks down.
Personal Accident Cover
Pays out if you or a passenger are seriously injured or killed in an accident.
Courtesy Car
Provides a temporary vehicle while yours is being repaired after a claim.
No Claims Discount Protection
Lets you make a limited number of claims without losing your no-claims bonus.
Lost or Stolen Keys
Covers the cost of replacing your car keys if they go missing or are stolen.
Ready to get insured now?
Frequently Asked Questions
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