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Compare cheap car insurance quotes from over 110 UK providers, including

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Save up to £530* on your car insurance quote


What you’ll need to compare car insurance at Quotezone

Some details on your car

We quickly find your car’s make and model with your registration number. You’ll need to know how much the car is worth, its security features, and your annual mileage.

The basics about you

Your name, age, address. As well as your occupation, driving history and previous claims on your car insurance policy. 

The coverage level you want

Choose from fully comprehensive car insurance, third party, fire and theft car insurance, or a third party only policy. You’ll also share how you use your car, and what excess you want on the policy. 

We search over 110 car insurance providers to save you hassle and money

What type of car insurance do I need?

You’ll need a minimum of third party car insurance to drive legally on UK public roads. Driving without car insurance can result in fines, penalty points and disqualification.

Comprehensive car insurance

This gives comprehensive car insurance cover when you are involved in accidents, or damage your car. It lets you repair or replace your car, even if the accident was your fault, or you are hit by an uninsured driver.

Third party car insurance

Third party insurance covers the costs of any injury or damage you cause to others. But it doesn’t cover the cost of repairing or replacing your car.

Third party, fire, and theft car insurance

Also known as TPFT insurance, this will include standard third-party protection. It also covers your car if it is stolen, damaged, or written off because of fire.

Black box car insurance

This is a great option if you are looking for cheap car insurance quotes in the UK. Black box, or telematics insurance lets insurers track and reward safe driving with cheaper insurance premiums.

Temporary car insurance

Temporary car insurance policies are available from as little as one day, or even one hour. You can also find short term car insurance that covers you on a weekly or monthly basis. 

Specialist car insurance policy options


Additional coverage options

Add on more coverage and benefits to get car insurance quotes that suit how you drive.

Breakdown cover

Car breakdown cover offers roadside assistance to help get you back on the road when your car breaks down.

Windscreen cover

When your windscreen is cracked or chipped, windscreen cover will pay to repair or replace the glass.

Motor legal expenses

This protects you from any legal costs you need to pay following an accident that wasn’t your fault. This could include claims against an uninsured driver. 

Car key cover

Modern keys can be expensive, so having car key cover to take care of the costs of replacing or reprogramming lost or stolen keys can be handy.

Excess protection

Excess protection cover lets you claim back any voluntary or involuntary excess you’ve paid when claiming on your car insurance policy.

DOC cover

Driving other cars, or DOC insurance covers you for driving other people’s cars, as long as you have their permission. 

Personal accident cover

Personal accident cover ensures you are compensated if you suffer injuries in a car accident. This can be extended to include your passengers and other drivers too.

No claims bonus protection

A long no-claims history can go a long way towards getting cheap insurance quotes for your car. No claims bonus protection means you can keep these savings even if you make a claim.

European cover

European car insurance provides comprehensive coverage when you drive abroad. It means you have protection when driving in EU countries, including Ireland. 

Courtesy car cover

The insurer will provide you with a temporary courtesy car while yours is being repaired. 

Personal belongings cover

Covers personal possessions if they are stolen from your car, or destroyed in an accident. 

Misfuelling cover

Covers the cost of having your tank drained and cleaned if you use the wrong fuel.

How much is car insurance?


Our data shows that car insurance costs an average of £810 for UK motorists as of May 2024.

When it comes to individual costs, it will depend on how likely you are to make a claim on your car 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 car insurance costs shown below display just what a massive difference these can make to the price of your insurance. 

Historically, car insurance in NI has been the most expensive, but it currently has some of the cheapest insurance quotes in the UK.

Average car insurance cost by UK region 2024

How can I get the cheapest car insurance quotes?

Finding cheap car insurance companies to compare in the UK has become more difficult in the past few years. With motor insurance costs up 12% since last year, it’s more important than ever to know how to find cheap car insurance.

Pay annually

If you can pay your car insurance premium annually, you will save on the interest charges that are applied when paying monthly. 

Stay secure

Preventing theft or damage to your car by parking on a private driveway rather than a public road could save you up to £140 on your car insurance. Upgrading security systems like engine immobilisers or GPS trackers could also get you cheaper premiums. 

Choose your car carefully

Your car make and model will dictate what insurance group your car is in. Low insurance groups can contribute to low premiums. Powerful engines and car modifications can increase your risk and cost more to insure. For example, Audi insurance groups range from 14 to 50 depending on the exact model you own.

Consider car insurance with telematics

Black box or telematics insurance policies are a great way to get cheap car insurance for first-time drivers. Especially for 18 to 24-year-olds who could save over 6% on their premiums with these policies. 

Personalise your policy

Choosing the coverage, extras and excess that best suits your needs means you won’t overspend. Don’t make assumptions on which policy will be cheaper. Drivers aged 21 or younger could save an average of 11% by choosing a fully comprehensive policy over third party only coverage. 

Practice safe driving

This can help you avoid accidents and retain your no-claims bonus. It can also help keep points and convictions off your licence. Having just 3 penalty points can increase car insurance premiums by 5%, and 6 points can increase the cost by 25%.

Buy at the right time

The best time to renew your insurance is typically 20 to 30 days before your insurance is due to renew. When you use Quotezone to buy car insurance, we will email your renewal reminder at this time so you don’t miss out on savings. 

Compare quotes for car insurance policies

Using car insurance comparison sites to shop around can help you find a cheaper policy. It also saves on the time-consuming task of contacting vehicle insurance agencies alone. You could save up to £530* when you compare car insurance quotes at Quotezone.

Why is car insurance so expensive?


Car insurance prices have gone up because costs are increasing for car insurers themselves. People are claiming more on their car insurance, and the cost of fulfilling the claims has gone up. 

As a result, motor insurance costs in the UK reached a 5 year high. However, Quotezone car insurance cost data shows that premiums have fallen for the first time in over a year as of the first quarter of 2024. 

Average cost of car insurance since 2023 to 2024

Making a claim on car insurance

Being familiar with the basics of making a claim before an accident can help make an unpleasant situation less stressful. Knowing what to do after a car accident means you can stay calm, and get the information and evidence you need for a smooth and quick resolution. 

Report the incident to your insurer

Regardless of if the accident was your fault, or you were hit by another driver, contact your own insurer. Let them know the date, time and location of the incident. and any other parties involved.

Send supporting documents

You will need to share your insurance policy number and any documents that support your claim. This can be a police report, photos, dash cam footage, or contacts for witnesses.

Assessment and repairs

Your insurers will investigate the claim and its evidence and will authorise compensation or repairs through a chosen garage if the claim is approved. 

Claim settlement

When the claim is settled you will be reimbursed for the repairs to your car. How long it will take to settle your car insurance claim will vary depending on the insurer and the complexity of the claim. 

Car insurance FAQs

What insurance group is my car?

The fastest way to find out what insurance group your car falls under is by using online insurance group tools. However, these can give varying results as insurance groups change over time and not all of them are kept up to date. You can get a more definite answer by speaking directly to insurers or checking your insurance policy documents. 

What is the cheapest car to insure?

Cars that are currently in insurance group 1 include the Hyundai i10, Volkswagen Up, and Fiat Panda. But insurance costs are based on more than just your car’s model. Comparing insurance quotes before you buy can be the most accurate way to find out if you’ll get cheap insurance for a specific car. 

Who does the best car insurance in the UK?

The best car insurer for you is one that can provide the coverage you need to drive with peace of mind, at a price you can comfortably afford. When you use our motor insurance comparison site, we search for your best match from over 110 trusted car insurance providers from across the UK.

What is the cheapest UK car insurance provider?

With rising insurance costs, it’s natural to want the cheapest car insurance in the UK. But this won’t always get the best insurance policy for your needs. Using our expert tips on how to get cheap car insurance can give you more options without compromising on coverage. 

Can I drive another car on my insurance?

This used to be standard with any comprehensive car insurance policy. But now you’ll need to check your policy documents for a driving other cars clause (DOC). This will tell you if you can drive someone else’s car, and what level of coverage you’ll have.

Can you tax a car without insurance?

No. When you tax your car, the DVLA will automatically search the motor insurance database to check if your car is insured. This is the case across the UK, including if you are taxing your car at the post office. 

Can you insure a car you don’t own?

Yes, you can insure a car you don’t own. You will just need to make sure the insurer knows you are not the car’s owner. When you compare insurance quotes at our insurance comparison website, Quotezone, this is as simple as ticking a box on our car insurance quote form. 

If my car is written off what happens to my insurance policy?

Despite no longer being insured to drive the car, there are no refunds or relief from paying the full premium after your car is written off. Depending on how the insurer assesses the write-off you could receive compensation for the car, but your full insurance costs still stand. 

Can I use my no claims discount on two cars?

Typically no, the majority of insurers won’t let you use your no claims discount to insure two cars at the same time. However, some insurers offer more flexible no claims bonus use, letting you transfer or mirror your no claims discount.  

How long does a cancelled insurance policy stay on record?

A cancelled insurance policy will never disappear from your record. You must always be honest about any cancelled policies when asked by future insurers. Otherwise, you risk causing further issues and committing insurance fraud. 

Written by Greg Wilson.
Page last reviewed on 26th June 2024 by Greg Wilson.

Meet Our Expert

Greg Wilson, CEO and trusted car insurance expert, launched the pioneering insurance comparison platform Quotezone.co.uk in 2005 – quickly becoming one of the UK’s leading price comparison websites for the car insurance market. Greg and his team use over 20 years of experience to save millions of drivers vital funds every year with their easy-to-use comparison technology – now across a vast range of motoring products such as van, motorbike and even fleet insurance for business solutions. Trusted by national and local media throughout the UK for his expert financial commentary – Greg is an authoritative figure on motoring insurance.

Greg Wilson

Founder of Quotezone.co.uk

What people have to say about our car insurance comparison service

Quotezone found me a great deal saving me £200 on my car insurance.

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United Kingdom

Having compared many other sites this was the one that found the ideal car insurance quotes for me.

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United Kingdom

4.9/5 from 40 customer reviews

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*51% of consumers could save £529.95 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from February 2024 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.

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