Login Menu

Young motorists paying less for monthly premiums – But it’s costing them

11/06/2026

Young man and woman reviewing their finances, laptop and paperwork visible on the table, man on the phone discussing.
Greg Wilson

Reviewed by: Greg Wilson
Founder & Insurance Expert

Written by: Katie Gawley
Insurance Content Writer

Fact-checked by: Quotezone Editorial Team

This content follows our Editorial Guidelines

Last Updated: June 2026
Read time: 11 min

Young drivers across the UK are paying over a third less for their monthly insurance premiums but are still being penalised for being unable to afford a one-off annual payment.

That’s according to the latest data from car insurance experts at Quotezone.co.uk who analysed the cost difference between monthly and annual premiums over the last two years.

This comes after an FCA review* investigated premium finance to ensure firms were offering fair value.

Since the review, premium finance charges have been in decline, saving motorists £157 million on monthly premiums for motor insurance.*

In line with the review, Quotezone data reflects the average fall in prices – with the cost difference of paying monthly versus annually dropping from 12% in 2024, down to 10% in 2025 and is currently around 9.6%.

The positive impact has been most felt by teenage motorists and those in their early 20s who pay the highest insurance costs. In 2024 they were paying a monthly total premium of around £2,152 across the year, which dropped to £1,363 this year. That’s a 36.6% decrease in insurance premiums in just two years.

PeriodAnnual total premium costMonthly total premium costDifference £Difference %
Q1 20241908.552152.54241.7612.41
Q1 20251369.051512.82143.3610.41
Q1 20261238.31363.16111.619.64
Scroll to see more

Whilst this goes some way to redressing the balance, many motorists are still unaware just how much more they are paying by choosing to pay monthly.

Survey data from Quotezone has revealed over half, 51%, don’t know how much more they’re expected to pay, with only 35% correctly identifying an average 9-12% increase in price for choosing to pay monthly.

53% of motorists feel it’s not fair that people who can’t afford to pay annually are being charged more.

The data analysis by Quotezone allows customers to see how much they could save by switching to an annual payment rather than monthly and the cost differences based on age, use and where they live.

The insurance experts also suggest reviewing all details on insurance forms carefully as some unexpected factors can affect pricing, including marital status and the number of children.

Greg Wilson, CEO and car insurance expert at Quotezone said: “It’s important insurers are completely transparent about how much customers are paying, whether that’s for annual or monthly payments.

“It’s good news that prices for spreading out that cost are coming down, and for some age groups, particularly those in the 17 – 24 years age bracket, the cost difference is significant. In the last two years alone, young motorists are paying on average £130 a year less. That’s a big saving for such a cash-strapped age group.

“It’s crucial for both insurers and price comparison sites to have a clear, simple process and explain terms succinctly – so drivers, regardless of age or motoring experience, understand exactly what is being asked and why. At Quotezone, we want our customers to get the best value they can, and where they can make savings, we encourage them to do just that.

“There are always savings to be had when taking out car insurance, and sometimes it’s the basics that offer the most potential, such as always double checking the form before submitting. Errors on seemingly minor things like marital status and job title could lead to missed savings.  

“Another option is to look for credit cards with 0% APR for 12 months, giving drivers the option to avail of the benefits of paying annually yet work out a monthly payment plan with the credit card company – however drivers need to make sure they read all the terms and conditions and be sure they can keep up the repayments and have them completed in a certain timeframe, as additional costs tend to be added outside of the initial period.”

Quotezone helps over 4 million customers every year compare and find savings on all sorts of motoring products such as van, truck and car insurance.

References:
*https://www.fca.org.uk/news/press-releases/falling-cost-premium-finance-saving-consumers-around-157m-year

Headline photo credit – iStock.com AaronAmat

Full Research:

Monthly VS Annual Average Car Insurance Premium Costs – By Age Group Per Region

PERIODAGE_GROUPUK_REGIONANNUAL PREMIUMMONTHLY TOTALDIFFERENCEDIFFERENCE %
Q1 202417-24London2887.173239.22365.4712.41
Q1 202417-24West Midlands2370.952680.64300.6312.41
Q1 202417-24Northern Ireland1364.181539.65171.9813.72
Q1 202417-24Yorkshire2364.42670.76298.7412.41
Q1 202417-24North West England2396.742710.46303.7812.41
Q1 202417-24East Midlands2072.342353.13268.0212.41
Q1 202417-24East of England2030.712305.53262.4512.41
Q1 202417-24South East England2001.562260.16257.6312.41
Q1 202417-24North East England2114.022402.39273.312.41
Q1 202417-24Scotland1962.022216.04254.7412.41
Q1 202417-24Wales1795.122025.84232.4812.41
Q1 202417-24South West England1638.031844.22201.2312.41
Q1 202425-34London1785.752028.36237.7212.75
Q1 202425-34West Midlands1434.31627.14191.7312.75
Q1 202425-34Northern Ireland772.56872.8100.2313.82
Q1 202425-34Yorkshire1288.471458.54173.3112.75
Q1 202425-34North West England1414.871603.04190.1212.75
Q1 202425-34East Midlands1175.521327.42157.5212.75
Q1 202425-34East of England1152.521299.93152.2412.75
Q1 202425-34South East England1108.471262.7146.5712.6
Q1 202425-34North East England1146.51316.83154.1712.75
Q1 202425-34Scotland1022.891153.33136.6812.6
Q1 202425-34Wales977.681102.22131.1912.41
Q1 202425-34South West England915.321037.24122.9912.61
Q1 202435-44London1207.111367.19157.9912.44
Q1 202435-44West Midlands971.951102.98129.4212.59
Q1 202435-44Northern Ireland570.34644.1874.7813.73
Q1 202435-44Yorkshire900.771024.19120.6812.41
Q1 202435-44North West England967.761099.16127.2812.41
Q1 202435-44East Midlands802.9913.96107.7112.41
Q1 202435-44East of England784.02879.89103.2712.41
Q1 202435-44South East England761.96859.46101.2412.41
Q1 202435-44North East England778.58880.5102.3212.41
Q1 202435-44Scotland723.39818.7597.0912.41
Q1 202435-44Wales707.84794.8496.0412.41
Q1 202435-44South West England622.35706.4283.712.41
Q1 202445-64London814.8920.24106.3912.41
Q1 202445-64West Midlands635.92717.9484.1812.41
Q1 202445-64Northern Ireland453.25511.4258.8112.41
Q1 202445-64Yorkshire549.72622.975.2612.41
Q1 202445-64North West England589.6668.4878.1912.41
Q1 202445-64East Midlands530.68602.0371.1412.41
Q1 202445-64East of England525.38591.0870.6512.41
Q1 202445-64South East England529.94599.3870.5312.41
Q1 202445-64North East England477.14541.764.2912.41
Q1 202445-64Scotland488.22546.7863.9412.41
Q1 202445-64Wales453.06516.1461.1412.41
Q1 202445-64South West England435.11492.7757.812.41
Q1 202465+London662.55740.4882.0412.41
Q1 202465+West Midlands535.03602.0469.112.41
Q1 202465+Northern Ireland486.87548.9364.3113.83
Q1 202465+Yorkshire502.88565.7264.8912.41
Q1 202465+North West England537.24602.7468.2212.41
Q1 202465+East Midlands501.54560.5563.9312.41
Q1 202465+East of England502.6565.7262.4712.41
Q1 202465+South East England503.42563.9561.5112.41
Q1 202465+North East England469.48528.9461.8812.41
Q1 202465+Scotland461.96518.0657.5612.41
Q1 202465+Wales425.28479.254.812.41
Q1 202465+South West England432.46483.5753.0912.31
Q1 202517-24London2269.342511.35241.9310.41
Q1 202517-24West Midlands1761.921943.02185.7810.41
Q1 202517-24Northern Ireland1076.721188.53112.0310.41
Q1 202517-24Yorkshire1606.931781.97170.4110.41
Q1 202517-24North West England1686.81864.99177.3610.41
Q1 202517-24East Midlands1457.481610.13153.8110.41
Q1 202517-24East of England1370.881524.66147.8610.41
Q1 202517-24South East England1432.761584.31152.1210.41
Q1 202517-24North East England1357.61518.9145.7910.41
Q1 202517-24Scotland1325.641482.88140.1910.41
Q1 202517-24Wales1203.621331.52132.0210.41
Q1 202517-24South West England1199.791320.53128.3910.41
Q1 202525-34London1523.881692.56172.9810.41
Q1 202525-34West Midlands1349.271504.61151.4210.41
Q1 202525-34Northern Ireland682.17751.3969.1610.41
Q1 202525-34Yorkshire1142.671264.65123.810.41
Q1 202525-34North West England1195.91339.37132.4610.41
Q1 202525-34East Midlands1081.361204.03116.5810.41
Q1 202525-34East of England1009.641115.58107.6910.41
Q1 202525-34South East England971.041077.65104.0410.41
Q1 202525-34North East England1028.031135.95110.1710.41
Q1 202525-34Scotland942.911045.82103.6910.41
Q1 202525-34Wales919.561021.7499.110.41
Q1 202525-34South West England821.46913.5587.0210.41
Q1 202535-44London1025.931142.18112.0110.41
Q1 202535-44West Midlands874.03969.4292.2610.41
Q1 202535-44Northern Ireland527.64582.5555.8810.41
Q1 202535-44Yorkshire774.22856.9682.8210.41
Q1 202535-44North West England821.77910.7686.8610.41
Q1 202535-44East Midlands696.14771.3274.5110.41
Q1 202535-44East of England665.71736.172.1710.41
Q1 202535-44South East England708.03779.8873.8210.41
Q1 202535-44North East England691.57768.6374.9810.41
Q1 202535-44Scotland649.78719.1869.4210.41
Q1 202535-44Wales642.69712.6667.5110.41
Q1 202535-44South West England563.05622.9860.3810.41
Q1 202545-64London724.73803.5676.8310.41
Q1 202545-64West Midlands542.24600.4557.9710.41
Q1 202545-64Northern Ireland463.32514.7950.8710.41
Q1 202545-64Yorkshire500.28552.3553.3210.41
Q1 202545-64North West England517.79572.5654.9110.41
Q1 202545-64East Midlands492.02547.8952.5410.41
Q1 202545-64East of England476.64526.1250.9110.41
Q1 202545-64South East England486.26538.7652.0710.41
Q1 202545-64North East England439.08483.6247.8310.41
Q1 202545-64Scotland432.45477.4147.110.41
Q1 202545-64Wales404.11446.0843.2710.41
Q1 202545-64South West England399.73440.7643.210.41
Q1 202565+London591.94652.8461.0410.41
Q1 202565+West Midlands462.72509.7949.3310.41
Q1 202565+Northern Ireland483.86540.6654.9111.64
Q1 202565+Yorkshire430.74475.5645.1910.41
Q1 202565+North West England465.6514.3548.3910.41
Q1 202565+East Midlands404.52444.4642.5910.41
Q1 202565+East of England412.98460.4343.3110.41
Q1 202565+South East England433.38478.0744.4610.41
Q1 202565+North East England398.37441.0341.5410.41
Q1 202565+Scotland387.95427.6539.8610.41
Q1 202565+Wales365.96399.636.6510.41
Q1 202565+South West England375.94413.4839.2710.41
Q1 202617-24London1882.032063.82172.929.64
Q1 202617-24West Midlands1587.361763.92149.439.64
Q1 202617-24Northern Ireland991.261089.898.899.64
Q1 202617-24Yorkshire1517.721674.75140.139.64
Q1 202617-24North West England1512.61671.98134.219.64
Q1 202617-24East Midlands1318.41455.22113.389.64
Q1 202617-24East of England1314.131445.85113.819.64
Q1 202617-24South East England1149.321265.9899.719.64
Q1 202617-24North East England1373.811535.63124.439.64
Q1 202617-24Scotland1282.811415.89115.479.64
Q1 202617-24Wales1248.991381.86105.549.64
Q1 202617-24South West England1051.871151.2483.869.64
Q1 202625-34London1173.741306.34113.59.64
Q1 202625-34West Midlands1090.891203.82103.079.64
Q1 202625-34Northern Ireland718.41791.7771.189.64
Q1 202625-34Yorkshire1022.071122.1894.729.66
Q1 202625-34North West England1030.671131.0596.589.64
Q1 202625-34East Midlands919.341010.8481.19.64
Q1 202625-34East of England885.05971.179.269.64
Q1 202625-34South East England841.95924.673.69.64
Q1 202625-34North East England960.681058.7789.619.78
Q1 202625-34Scotland919.341013.7384.079.64
Q1 202625-34Wales786.48863.2573.379.64
Q1 202625-34South West England716.9783.6966.769.64
Q1 202635-44London826.67906.0277.69.64
Q1 202635-44West Midlands753.17827.1271.639.64
Q1 202635-44Northern Ireland543.16596.1953.459.64
Q1 202635-44Yorkshire683.26753.5163.299.64
Q1 202635-44North West England713.32781.5665.829.64
Q1 202635-44East Midlands636.92695.2459.089.64
Q1 202635-44East of England629.24684.2458.559.64
Q1 202635-44South East England609.92666.956.689.64
Q1 202635-44North East England603.95664.2958.779.64
Q1 202635-44Scotland633.44691.1460.129.64
Q1 202635-44Wales572.86626.7754.989.64
Q1 202635-44South West England526.04576.5851.379.64
Q1 202645-64London616.89674.7857.69.64
Q1 202645-64West Midlands503.58552.0948.129.64
Q1 202645-64Northern Ireland475.91523.2546.569.64
Q1 202645-64Yorkshire453.53496.5542.389.64
Q1 202645-64North West England479.2524.5845.39.64
Q1 202645-64East Midlands434.72472.0340.919.64
Q1 202645-64East of England435.96475.540.79.64
Q1 202645-64South East England449.52491.9442.489.64
Q1 202645-64North East England381.04417.835.59.64
Q1 202645-64Scotland408.98449.2938.959.64
Q1 202645-64Wales357.11390.5333.379.64
Q1 202645-64South West England352.84384.7631.369.64
Q1 202665+London531.87580.6248.79.64
Q1 202665+West Midlands414.1450.6635.889.16
Q1 202665+Northern Ireland489.8537.147.779.64
Q1 202665+Yorkshire382.96417.0933.49.16
Q1 202665+North West England403.1439.5134.839.16
Q1 202665+East Midlands378.76412.5131.959.16
Q1 202665+East of England376.68409.7632.679.16
Q1 202665+South East England386.71420.38349.16
Q1 202665+North East England349.76380.9131.429.17
Q1 202665+Scotland371.07405.87339.17
Q1 202665+Wales322.94350.8927.339.16
Q1 202665+South West England347.74377.5329.749.16
Scroll to see more

Monthly VS Annual Average Premium Costs – By Claims and Convictions

BREAKDOWNPERIODVALUEANNUAL PREMIUMMONTHLY TOTALDIFFERENCEDIFFERENCE %
CLAIMSQ1 20240677.3176689.3912.41
CLAIMSQ1 20241829.74934.53107.3212.41
CLAIMSQ1 20250588.17650.3663.4710.41
CLAIMSQ1 20251705.68781.2374.5210.41
CLAIMSQ1 20260542.42594.751.659.64
CLAIMSQ1 20261631.6691.4659.789.64
CONVICTIONSQ1 20240683.2772.0689.8412.41
CONVICTIONSQ1 20241945.321067.2125.3412.75
CONVICTIONSQ1 20250589.3651.7263.4410.41
CONVICTIONSQ1 20251835.4926.5789.8210.41
CONVICTIONSQ1 20260542.34594.751.599.64
CONVICTIONSQ1 20261750.76828.5473.869.64
Scroll to see more

Monthly VS Annual Average Premium Costs – By Driver Licence Type

BREAKDOWNPERIODVALUEANNUAL PREMIUMMONTHLY TOTALDIFFERENCEDIFFERENCE %
TYPE_DRIVERS_LICENSEQ1 2024A1390.471576.06180.1912.41
TYPE_DRIVERS_LICENSEQ1 2024E1101.111247.39144.4712.41
TYPE_DRIVERS_LICENSEQ1 2024F676.83765.0789.2212.41
TYPE_DRIVERS_LICENSEQ1 2024M2311.162593.96283.7512.41
TYPE_DRIVERS_LICENSEQ1 2024O2016.232274.72251.8112.29
TYPE_DRIVERS_LICENSEQ1 2024P510.08585.3866.7715.39
TYPE_DRIVERS_LICENSEQ1 2025A1139.281271.52126.4610.41
TYPE_DRIVERS_LICENSEQ1 2025E1154.771277.86118.510.41
TYPE_DRIVERS_LICENSEQ1 2025F576.64637.4961.7210.41
TYPE_DRIVERS_LICENSEQ1 2025M1932.322143.16214.2410.41
TYPE_DRIVERS_LICENSEQ1 2025O1639.321809.93173.2710.41
TYPE_DRIVERS_LICENSEQ1 2025P543.75616.0369.8614.2
TYPE_DRIVERS_LICENSEQ1 2026A999.281099.2598.039.64
TYPE_DRIVERS_LICENSEQ1 2026E1083.991176.7286.389.64
TYPE_DRIVERS_LICENSEQ1 2026F535.44586.750.969.64
TYPE_DRIVERS_LICENSEQ1 2026M2050.232210.6485.229.35
TYPE_DRIVERS_LICENSEQ1 2026O1508.021607.4570.539
TYPE_DRIVERS_LICENSEQ1 2026P460.21523.258.1815.25
Scroll to see more

Monthly VS Annual Average Premium Costs – By Marital Status

BREAKDOWNPERIODVALUEANNUAL PREMIUMMONTHLY TOTALDIFFERENCEDIFFERENCE %
MARITAL_STATUSQ1 2024CIVIL PARTNERSHIP1032.661159.9133.3312.59
MARITAL_STATUSQ1 2024COHABITING653.01737.0886.2312.41
MARITAL_STATUSQ1 2024DIVORCED510.93578.4268.5912.41
MARITAL_STATUSQ1 2024MARRIED584.35660.0976.912.41
MARITAL_STATUSQ1 2024SEPARATED606.64685.281.312.41
MARITAL_STATUSQ1 2024SINGLE1013.271145.72132.6712.41
MARITAL_STATUSQ1 2024WIDOWED541.37611.1970.7312.41
MARITAL_STATUSQ1 2025CIVIL PARTNERSHIP989.131097.88103.7910.41
MARITAL_STATUSQ1 2025COHABITING555.6615.1559.2210.41
MARITAL_STATUSQ1 2025DIVORCED480.49533.1452.3610.41
MARITAL_STATUSQ1 2025MARRIED527.64582.5556.3210.41
MARITAL_STATUSQ1 2025SEPARATED533.96592.7656.9910.41
MARITAL_STATUSQ1 2025SINGLE806.8892.7985.510.41
MARITAL_STATUSQ1 2025WIDOWED496.9551.6253.3410.41
MARITAL_STATUSQ1 2026CIVIL PARTNERSHIP766.67843.8872.399.64
MARITAL_STATUSQ1 2026COHABITING518.03568.0550.059.64
MARITAL_STATUSQ1 2026DIVORCED454.37496.0742.669.64
MARITAL_STATUSQ1 2026MARRIED503.56552.0947.359.64
MARITAL_STATUSQ1 2026SEPARATED532.45588.6352.149.64
MARITAL_STATUSQ1 2026SINGLE730.2804.0169.59.64
MARITAL_STATUSQ1 2026WIDOWED470.44512.5942.289.17
Scroll to see more

Monthly VS Annual Average Premium Costs – By Number of Children

BREAKDOWNPERIODVALUEANNUAL PREMIUMMONTHLY TOTALDIFFERENCEDIFFERENCE %
CHILDRENQ1 20240654.78738.6685.8412.41
CHILDRENQ1 20241762.1862.43101.4512.41
CHILDRENQ1 20242750.78848.3498.9512.41
CHILDRENQ1 20243834.46942.88109.3812.59
CHILDRENQ1 20244904.131020.12120.8912.75
CHILDRENQ1 202451030.351158.04136.7212.75
CHILDRENQ1 202461102.321229.24134.5312.41
CHILDRENQ1 202471068.941244.76156.9712.68
CHILDRENQ1 202481380.541585.62193.4613.73
CHILDRENQ1 202492055.882317.97262.0912.75
CHILDRENQ1 20250568.09628.4761.5810.41
CHILDRENQ1 20251674.04745.5171.3710.41
CHILDRENQ1 20252647.52715.8268.9310.41
CHILDRENQ1 20253746.01826.9679.2110.41
CHILDRENQ1 20254778.08861.8481.3810.41
CHILDRENQ1 20255892.19999.8693.1110.41
CHILDRENQ1 20256954.361060.8193.8810.41
CHILDRENQ1 20257943.481064.19104.5310.41
CHILDRENQ1 202581079.261215.3136.0412.59
CHILDRENQ1 202591467.721629.13167.1510.41
CHILDRENQ1 20260523.12573.4249.99.64
CHILDRENQ1 20261627.01687.7959.139.64
CHILDRENQ1 20262608.67667.8657.879.64
CHILDRENQ1 20263687.3755.8765.299.64
CHILDRENQ1 20264721.35793.169.389.64
CHILDRENQ1 20265804.98882.1577.039.64
CHILDRENQ1 20266878.55971.6583.639.64
CHILDRENQ1 20267843.2950.7174.919.64
CHILDRENQ1 202681461.941640.94151.8810.08
CHILDRENQ1 202691267.431389.59122.169.64
Scroll to see more

Monthly VS Annual Average Premium Costs – By Residential Status

BREAKDOWNPERIODVALUEANNUAL PREMIUMMONTHLY TOTALDIFFERENCEDIFFERENCE %
RESIDENTIAL_STATUSQ1 2024HOME OWNER525.45592.1568.3212.41
RESIDENTIAL_STATUSQ1 2024HOUSING ASSOCIATION769.76872.49103.0112.41
RESIDENTIAL_STATUSQ1 2024LIVING WITH PARENTS1474.681667.15188.2712.41
RESIDENTIAL_STATUSQ1 2024OTHER900.41020.27120.0212.6
RESIDENTIAL_STATUSQ1 2025HOME OWNER486.64538.0451.6910.41
RESIDENTIAL_STATUSQ1 2025HOUSING ASSOCIATION648.1716.9769.2110.41
RESIDENTIAL_STATUSQ1 2025LIVING WITH PARENTS1035.661146.99109.2310.41
RESIDENTIAL_STATUSQ1 2025OTHER836.35927.0389.610.41
RESIDENTIAL_STATUSQ1 2026HOME OWNER456.8499.9442.669.64
RESIDENTIAL_STATUSQ1 2026HOUSING ASSOCIATION618.15678.859.789.64
RESIDENTIAL_STATUSQ1 2026LIVING WITH PARENTS929.41030.2688.489.64
RESIDENTIAL_STATUSQ1 2026OTHER750.62825.2369.89.64
Scroll to see more

Monthly VS Annual Average Premium Costs – By Number of Drivers Insured

BREAKDOWNPERIODVALUEANNUAL PREMIUMMONTHLY TOTALDIFFERENCEDIFFERENCE %
DRIVERS_INSUREDQ1 20241747.82846.5998.5612.41
DRIVERS_INSUREDQ1 20242608.98687.679.5212.41
DRIVERS_INSUREDQ1 20243893.841006.98112.7512.41
DRIVERS_INSUREDQ1 20244715.86807.288.2712.41
DRIVERS_INSUREDQ1 202451312.081463.15159.2713.82
DRIVERS_INSUREDQ1 20251649.22718.3369.3410.41
DRIVERS_INSUREDQ1 20252527.64584.757.1310.41
DRIVERS_INSUREDQ1 20253715.83792.8675.0610.41
DRIVERS_INSUREDQ1 20254656.98724.2166.4410.41
DRIVERS_INSUREDQ1 202551018.431101.4986.0910.97
DRIVERS_INSUREDQ1 20261589.92646.5255.889.64
DRIVERS_INSUREDQ1 20262503.9552.3848.339.64
DRIVERS_INSUREDQ1 20263648.33712.7361.529.64
DRIVERS_INSUREDQ1 20264595.02652.3355.669.64
DRIVERS_INSUREDQ1 20265739.31838.5657.979.16
Scroll to see more

Monthly VS Annual Average Premium Costs – Vehicle Usage

BREAKDOWNPERIODVALUEANNUAL PREMIUMMONTHLY TOTALDIFFERENCEDIFFERENCE %
VEHICLE_USAGEQ1 2024BUSINESS FOR ALL DRIVERS720.11807.390.0212.41
VEHICLE_USAGEQ1 2024BUSINESS FOR INSURER623.62705.3681.7312.41
VEHICLE_USAGEQ1 2024BUSINESS FOR INSURER AND SPOUSE544.06612.568.8212.41
VEHICLE_USAGEQ1 2024BUSINESS FOR SPOUSE536.72604.5368.1712.41
VEHICLE_USAGEQ1 2024COMMERCIAL TRAVELLING1780.622028.98251.2312.75
VEHICLE_USAGEQ1 2024SOCIAL653.22737.3385.1412.41
VEHICLE_USAGEQ1 2024SOCIAL, COMMUTING746.14844.4998.4412.41
VEHICLE_USAGEQ1 2025BUSINESS FOR ALL DRIVERS699.37775.4372.9510.41
VEHICLE_USAGEQ1 2025BUSINESS FOR INSURER551.72609.1458.5810.41
VEHICLE_USAGEQ1 2025BUSINESS FOR INSURER AND SPOUSE513.21568.2754.7310.41
VEHICLE_USAGEQ1 2025BUSINESS FOR SPOUSE500.28549.2653.4910.41
VEHICLE_USAGEQ1 2025COMMERCIAL TRAVELLING1659.381893.1211.1212.75
VEHICLE_USAGEQ1 2025SOCIAL563.72624.8160.7610.41
VEHICLE_USAGEQ1 2025SOCIAL, COMMUTING641.16709.0868.4910.41
VEHICLE_USAGEQ1 2026BUSINESS FOR ALL DRIVERS620.45680.2657.489.64
VEHICLE_USAGEQ1 2026BUSINESS FOR INSURER537.37589.151.149.64
VEHICLE_USAGEQ1 2026BUSINESS FOR INSURER AND SPOUSE493.44540.3446.489.64
VEHICLE_USAGEQ1 2026BUSINESS FOR SPOUSE489.88536.7146.429.64
VEHICLE_USAGEQ1 2026COMMERCIAL TRAVELLING1535.81714.52173.0312.69
VEHICLE_USAGEQ1 2026SOCIAL517.02567.1548.969.64
VEHICLE_USAGEQ1 2026SOCIAL, COMMUTING588.92645.5355.99.64
Scroll to see more

Monthly VS Annual Average Premium Costs – By Age Group

BREAKDOWNPERIODVALUEANNUAL PREMIUMMONTHLY TOTALDIFFERENCEDIFFERENCE %
AGE_GROUPQ1 202417-241908.552152.54241.7612.41
AGE_GROUPQ1 202425-341079.81223.82144.0512.75
AGE_GROUPQ1 202435-44748.32847.1799.2212.41
AGE_GROUPQ1 202445-64522.52590.4569.4412.41
AGE_GROUPQ1 202465+502.2565.3464.1612.41
AGE_GROUPQ1 202517-241369.051512.82143.3610.41
AGE_GROUPQ1 202525-34959.311063.46101.3610.41
AGE_GROUPQ1 202535-44667.87739.4970.8410.41
AGE_GROUPQ1 202545-64490.12542.7552.6310.41
AGE_GROUPQ1 202565+444.84492.5947.810.41
AGE_GROUPQ1 202617-241238.31363.16111.619.64
AGE_GROUPQ1 202625-34877.4966.7781.969.64
AGE_GROUPQ1 202635-44631.62692.159.679.64
AGE_GROUPQ1 202645-64473.86520.0945.769.64
AGE_GROUPQ1 202665+407.59444.736.429.17
Scroll to see more

Monthly VS Annual Average Premium Costs – By Region

BREAKDOWNPERIODVALUEANNUAL PREMIUMMONTHLY TOTALDIFFERENCEDIFFERENCE %
UK_REGIONQ1 2024London1107.31247.84142.3912.41
UK_REGIONQ1 2024West Midlands914.081034.88120.0212.41
UK_REGIONQ1 2024Northern Ireland567.42641.527513.73
UK_REGIONQ1 2024Yorkshire785.5889.44103.6312.41
UK_REGIONQ1 2024North West England829.75935.16107.4412.41
UK_REGIONQ1 2024East Midlands757.2858.4599.9412.41
UK_REGIONQ1 2024East of England716.87809.8493.7112.41
UK_REGIONQ1 2024South East England702.8792.2492.1512.41
UK_REGIONQ1 2024North East England644.24727.8386.3412.41
UK_REGIONQ1 2024Scotland639.03723.2184.8312.41
UK_REGIONQ1 2024Wales645.38726.5885.0912.41
UK_REGIONQ1 2024South West England572.28644.7675.8912.41
UK_REGIONQ1 2025London963.421067.62103.2210.41
UK_REGIONQ1 2025West Midlands777.54860.3382.3210.41
UK_REGIONQ1 2025Northern Ireland538.8595.2259.6410.41
UK_REGIONQ1 2025Yorkshire639.34706.56710.41
UK_REGIONQ1 2025North West England672.92745.2470.6110.41
UK_REGIONQ1 2025East Midlands619.82686.9465.8610.41
UK_REGIONQ1 2025East of England582.51644.7161.6310.41
UK_REGIONQ1 2025South East England600.97664.7463.1410.41
UK_REGIONQ1 2025North East England527.64582.656.0810.41
UK_REGIONQ1 2025Scotland524.34579.8356.210.41
UK_REGIONQ1 2025Wales529.68584.8655.0910.41
UK_REGIONQ1 2025South West England503.43555.9753.3710.41
UK_REGIONQ1 2026London759.71833.5169.119.64
UK_REGIONQ1 2026West Midlands644.83705.5657.739.64
UK_REGIONQ1 2026Northern Ireland549603.7655.459.64
UK_REGIONQ1 2026Yorkshire553.27605.1551.049.64
UK_REGIONQ1 2026North West England560.03612.1751.329.64
UK_REGIONQ1 2026East Midlands536.88588.1849.769.64
UK_REGIONQ1 2026East of England521.55571.6348.549.64
UK_REGIONQ1 2026South East England517.12565.9448.549.64
UK_REGIONQ1 2026North East England487.13533.3645.699.64
UK_REGIONQ1 2026Scotland505.04554.6148.079.64
UK_REGIONQ1 2026Wales480.73527.0945.549.64
UK_REGIONQ1 2026South West England462.28504.8441.89
Scroll to see more

This article is intended as generic information only and is not intended to apply to anybody’s specific circumstances, demands or needs. The views expressed are not intended to provide any financial service or to give any recommendation or advice. Products and services are only mentioned for illustrative rather than promotional purposes.

Compare Car Insurance

We search over 130 car insurance providers to save you hassle and money

Get Quotes Today