
How much is car insurance for 18 year olds in the UK?
The latest cost data shows the average premium for drivers aged 17-24 is £1340.19. Find the average cost in your…
Read full guide : How much is car insurance for 18 year olds in the UK?The average car insurance cost in 2025 is £664.68
Jump to data on:
The month that your car insurance renewal is due will impact how much you pay. For example, people renewing in November of 2024 paid an average of £187.42 more than those just a few months later in February 2025.
The good news is that costs are gradually falling overall. This March, you could pay 21% less than you did at the same time last year. That’s a saving of £176.75 on your annual premium.
Month | Monthly car insurance cost averages |
June 2024 | £790.37 |
July 2024 | £767.06 |
August 2024 | £746.81 |
September 2024 | £776.02 |
October 2024 | £757.72 |
November 2024 | £813.34 |
December 2024 | £742.55 |
January 2025 | £668.05 |
February 2025 | £625.92 |
March 2025 | £656.97 |
April 2025 | £668.47 |
May 2025 | £676.23 |
June 2025 | £648.94 |
After car insurance prices rose and eye watering 42% in 2023 many UK drivers understandably demanded to know why car insurance had gone up.
However, car insurance costs fell for the first time in a year as of Q1 of 2024. Although this was a decrease of just under £69, the trend has continued into 2025.
In 2025, prices are staying more consistent after another drop at the beginning of the year. This is great news for UK drivers who have been struggling with the increasing cost of car insurance.
Quarter | Average UK car insurance premium |
Q1 2023 | £621.21 |
Q2 2023 | £717.24 |
Q3 2023 | £808.74 |
Q4 2023 | £885.21 |
Q1 2024 | £816.64 |
Q2 2024 | £806.64 |
Q3 2024 | £770.78 |
Q4 2024 | £769.19 |
Q1 2025 | £651.25 |
Q2 2025 | £664.68 |
In 2025, the UK area with the highest car insurance cost is London. People here pay an average of £326.40 more than the national average of £664.68.
South West England has the cheapest average car insurance cost at £501.63. This is £163.05 cheaper than the current national average.
The region paying premiums that are the closest to the national average is South East England. Here, the average premium cost for car insurance is £612.27.
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 |
Virtually everyone saw an increase in car insurance costs in 2023 and 2024. However, young drivers suffered disproportionate spikes that priced many out of driving completely.
The average car insurance for drivers aged from 18 to 24 cost £3,055 in February 2024. This was an increase of 66% in just 2 months, whereas prices only increased 38% for 44-64 year olds in the same time.
Older drivers over 65 got off the lightest, with car insurance costs only rising 11% during the worst of the increase. This age group also enjoy the lowest costs overall, with current averages at £432.Thats an average annual saving of £908 when compared to young drivers.
Age> | 17-24 | 25-34 | 35-44 | 45-64 | 65+ |
October 2024 | £2,130.07 | £1,137.91 | £810.31 | £540.67 | £487.46 |
November 2024 | £2,245.21 | £1,188.64 | £860.58 | £552.41 | £489.45 |
December 2024 | £1,986.09 | £1,127.92 | £796.84 | £512.28 | £480.95 |
January 2025 | £1,865.96 | £1,024.45 | £734.16 | £489.88 | £459.64 |
February 2025 | £1,729.07 | £1,012.28 | £711.07 | £480.92 | £447.61 |
March 2025 | £1,703.51 | £1,025.77 | £725.43 | £491.89 | £456.57 |
April 2025 | £1,430.70 | £992.45 | £732.72 | £491.59 | £438.21 |
May 2025 | £1,335.74 | £980.14 | £729.54 | £491.42 | £435.98 |
June 2025 | £1,251.95 | £935.18 | £713.04 | £489.13 | £423.31 |
Car insurance costs are stabilising across all UK regions in 2025. However, February and June emerged as the cheapest months to renew in most regions.
There is great news for London drivers as the monthly average cost falls below £1,000 for the first time since 2023.
2024 | January ’25 | February ’25 | March ’25 | April ’25 | May ’25 | June ’25 |
London | £1,039.06 | £1,009.65 | £1,023.88 | £1,007.44 | £1,012.72 | £951.43 |
West Midlands | £830.82 | £771.35 | £796.80 | £784.21 | £808.39 | £767.93 |
North West England | £710.89 | £659.08 | £698.95 | £713.04 | £727.04 | £697.51 |
Yorkshire | £684.50 | £637.36 | £671.79 | £689.91 | £712.39 | £684.81 |
East Midlands | £672.30 | £634.89 | £651.29 | £649.10 | £670.19 | £636.51 |
East of England | £634.47 | £586.76 | £606.13 | £608.72 | £623.90 | £588.86 |
South East England | £642.08 | £608.89 | £628.80 | £619.10 | £618.78 | £600.02 |
North East England | £537.71 | £530.74 | £541.42 | £546.16 | £581.26 | £544.18 |
Wales | £562.88 | £530.20 | £552.68 | £555.96 | £553.72 | £524.20 |
Northern Ireland | £613.25 | £587.00 | £598.85 | £623.41 | £586.96 | £575.72 |
Scotland | £566.80 | £520.09 | £548.85 | £550.72 | £563.64 | £536.90 |
South West England | £511.44 | £500.28 | £521.02 | £512.28 | £500.28 | £499.46 |
Young drivers have the highest average premiums across every UK region. In London drivers aged 17-24 could expect to pay over 58% more than a motorist aged 45 to 64 in the same area.
This trend is true even for the cheapest areas for car insurance in the UK. Young drivers in Scotland pay an average of £728.97 more than 45-64 year olds.
Region | 17-24 | 25-34 | 35-44 | 45-64 | 65+ |
London | £1,804.64 | £1,333.60 | £1,011.00 | £759.01 | £622.26 |
North West England | £1,402.61 | £1,066.40 | £824.38 | £510.84 | £455.28 |
Yorkshire | £1,409.61 | £1,052.84 | £786.98 | £491.99 | £422.38 |
West Midlands | £1,495.15 | £1,150.15 | £856.47 | £538.80 | £459.28 |
North East England | £1,190.99 | £922.50 | £663.53 | £425.95 | £379.43 |
East Midlands | £1,248.84 | £968.36 | £708.28 | £477.38 | £406.97 |
South East England | £1,182.61 | £906.93 | £666.88 | £476.01 | £421.50 |
East of England | £1,215.88 | £918.49 | £678.04 | £460.91 | £405.37 |
Scotland | £1,155.70 | £850.59 | £648.02 | £426.73 | £387.03 |
Wales | £1,112.47 | £830.55 | £639.01 | £392.65 | £349.58 |
South West England | £1,005.13 | £754.43 | £568.53 | £371.46 | £356.95 |
Northern Ireland | £1,410.43 | £745.14 | £551.72 | £453.65 | £478.68 |
We search over 120 car insurance providers to save you hassle and money
Compare Car Insurance
We search over 120 car insurance providers to save you hassle and money
Last Updated: 01 July 2025
Read time: 7 minutes
Written by: Lauren McAfee
Insurance Writer and Editor
Reviewed by: Katie Gawley
Written in line with our Editorial Guidelines
Our team of insurance comparison experts at Quotezone have done the research to give you the latest data on car insurance prices in 2025.
These statistics come from an unbiased random sample of over 100,000 quotes from real UK customers using our comparison system.
Our car insurance price index gives the average cost of UK-wide car insurance premiums separated by age group and month to allow consistent comparisons of data over time.
Find out what you could pay with real UK car insurance cost data and our car insurance price calculator.
References
*Quotezone.co.uk – All data shown uses a random sample of over 100,000 UK car insurance policies from January 2023 – June 2025, across all age groups.
If you need to get in touch with our press team to discuss this price index or any historical data, please email at press@quotezone.co.uk. For more insurance cost data, see our home insurance price index and van insurance price index.
If you are ready to start comparing insurance policies then Quotezone is here to help – we can help you compare over 120 UK-based insurance companies. Over 97% of reviewers recommend Quotezone for comparing insurance quotes.