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Save up to £515* on your car insurance quote

What you’ll need to compare car insurance at Quotezone

Some details on your car

We’ll quickly find your car’s make and model using your registration number. You’ll need to know its estimated value, security features, and your annual mileage.

The basics about you

Your name, age, address – plus your occupation, driving history and previous claims on your car insurance policy. 

The coverage level you want

Choose between fully comprehensive cover, third-party, fire and theft, or third-party only. You’ll also be asked how you use your car and what level of excess you prefer.

We search over 120 car insurance providers to save you hassle and money

What type of car insurance do I need?

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

Comprehensive insurance

This gives comprehensive cover when you are involved in accidents, or damage your car. Covers damage to your car even if the accident is your fault. 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 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 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.

Temporary car insurance

Short term car insurance is available from as little as one day, or even one hour. You can also find short-term car policies that cover you on a weekly or monthly basis. 

How much is car insurance?

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. 

Map showing average UK car insurance costs by region in 2025, with London at £991 and South West at £502, based on Quotezone.co.uk data.

Types of car insurance you can compare

Car insurance isn’t one-size-fits-all, the right cover depends on your driving habits. From young drivers to business use, tailored policies are available. Compare quotes to find the best deal.

Young drivers insurance

If you’re a driver aged 17 to 24 looking for insurance, there are affordable insurance deals that can help you establish a no-claims history.

Learner driver insurance

If you’re a learner driver, get coverage for practising in your own car or someone else’s, without risking their no-claims bonus.

Named driver insurance

Adding someone to your policy could either help reduce costs or help you share a car safely with someone you know. Cover is flexible if required.

Multi-car insurance

If you have more than 1 car to insure it may be cheaper and more uncomplicated carrying a policy that covers several vehicles.

Business car insurance

If you use your car for work, you’ll need the right insurance to be properly covered. There are three different classes of business use you’ll need to pick from.

Pay-as-you-go insurance

No matter how few journeys you make, Pay as you go policies ensure you are only charged miles or hourly charges on the distance or time you drive.

GAP insurance

If the market value of the car is not the same as the price at which you purchased it when new, Guaranteed Asset Protection insurance could cover the difference.

Is car insurance getting less expensive?

Car insurance prices peaked in 2023 due to costs increases for insurers themselves. People and businesses were claiming more on their insurance, and the cost of fulfilling the claims went up. As a result, motor insurance costs in the UK reached a 5 year high at the time. However, our insurance cost data shows that premiums are continuing to fall in 2025, and are now 18% cheaper than this time last year.

Line graph of UK car insurance price trends from 2023 to 2025 showing a peak of £885.21 in Q4 2023 and a drop to £664.68 in Q2 2025, based on Quotezone.co.uk data

How to find cheaper car insurance

Finding competitive car insurance companies to compare in the UK has become more difficult. With motor insurance costs spiking in previous years, it’s more important than ever to know how to find cheap car insurance.

 

Pay annually

If you can pay your car 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 insurance. Upgrading security systems like engine immobilisers or GPS trackers could also help get you cheaper insurance premiums.

Consider car insurance with a Black Box

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

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 a car policy, we will email your renewal reminder at this time so you don’t miss out on savings. 

Additional coverage options

Add on more coverage and benefits to get a car policy that suits 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.

Excess protection

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

DOC cover

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

No claims bonus protection

A long no-claims history can go a long way towards getting more competitive 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. 

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 insurance claim will vary depending on the insurer and the complexity of the claim. 

Compare car insurance by age

You should expect your premiums to decrease as you get older and more experienced, however as you reach retirement age, you may again see rises in your premiums. It is useful to know how your age relates to pricing of car insurance so you can budget your auto insurance plan. You can compare quotes by age, to get you the right cover for the best price.

Over 40s

Insurance for people in their 40s is often cheaper due to more driving experience and a stronger no-claims history.

Over 50s

Drivers in this age bracket will generally see more affordable insurance premiums by having a combination of a solid no-claims history and years of experience.

Over 60s

Drivers in their 60s can quickly find competitive deals tailored to their needs with Quotezone.

Over 70s

This insurance is tailored for older drivers in their 70s, balancing experience with potential age-related risk factors.

Over 80s

Over 80s insurance is designed for senior drivers, balancing extensive experience with specialist cover options to address age-related considerations.

Insurance providers we work with

At Quotezone, we connect customers with trusted UK insurance providers, partnering only with FCA-registered brokers and insurers. Our comparison system compares car policies from over 130 insurers, including both well-known names in the industry and smaller specialist insurers. If you’re interested in learning more about our partners, explore some of our featured providers – see our full list of insurance partners here.  

Frequently asked questions

 

 

What car costs the least 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 and manufacturer. Comparing insurance quotes before you buy can be the most accurate way to find out what you’ll pay to insure a specific car.

What UK car insurance provider offers the lowest insurance costs?

With rising insurance costs, it’s natural to want the most affordable car policy in the UK. But this won’t always get the best insurance for your needs. Using our expert tips on how to get lower car insurance quotes 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 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 get car insurance quotes without giving my personal information?

You can use our car insurance calculator to get an estimate of how much your policy could cost. This does not require personal details, but the costs will not be as accurate as getting a full personalised quote.

Meet Our Expert

Greg Wilson, CEO and trusted motoring 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 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 - Insurance Expert

Greg Wilson

Founder of Quotezone.co.uk

Page last updated: 03 August 2025

Page reviewed by: Greg Wilson – Quotezone CEO and motoring insurance expert

What people have to say about our insurance comparison service

Found best price on this site

Rifhat

Huddersfield, United Kingdom

Very good and useful for a first time car insurance purchaser

Tania

Hull, United Kingdom

4.83/5 from 1037 customer reviews

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*51% of consumers could save £515.24 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next six cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from December 2024 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.