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Car Insurance London

Car Insurance Quotes London

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Car Insurance London – Compare Cheap Quotes

Whether you live in a central Zone 1 location like Kensington, Pimlico or Southwark, or you’re further out in Zone 5 or Zone 6, if you’re looking for cheaper car insurance in London then Quotezone.co.uk is here to help.

Our unbiased car insurance comparison platform can help Londoners compare quotes from more than 110 car insurance providers side by side, making it more likely that they’ll find the right policy at the right price.

Compare car insurance quotes for drivers in London

Is car insurance in London more expensive than in other UK cities?

London is one of the most expensive cities when it comes to car insurance premiums, but it isn’t always the most expensive.

In fact, some industry data indicates that the average cost of an equivalent policy in Manchester or Liverpool is often higher than the average cost in London.

Still, car insurance in London does consistently rank in the top three when it comes to car insurance costs in England, and by some measures it does sometimes clinch that top spot.

Why does car insurance in London cost so much?

While insurance providers take a wide range of risk factors into account when calculating your premium, including your age, the type of car you drive, where you park your car overnight, how long you’ve held your licence, your driving record and the the size of your no claims bonus, risk factors relating to your location also play a role.

For instance, the crime rate in your local area will often be factored into the insurance premium calculation, as well as the average road traffic accident rate in your area. Given that cities often have higher crime rates than more rural areas, and often have higher accident rates due to congestion as well, it shouldn’t come as much of a surprise to learn that car insurance in London often costs more than in other parts of the UK.

Does the cost of car insurance in London depend on the zone I’m in?

No, not exactly.

Insurers generally don’t use your London zone as part of their insurance premium calculation, and it’s fair to assume that the roads in most London zones are likely to get very congested at times, particularly during rush hour.

However, whether or not you have off-street parking in London could play a role in your insurance premium calculation, and on average motorists in London’s outer zones are more likely to have a driveway or garage than a driver in London Zone 1.

Should I use a car insurance broker in London to find cheaper quotes?

Car insurance brokers in London may know your local area quite well, but unfortunately that local knowledge doesn’t necessarily translate into cheap London car insurance quotes.

The reason for that is that insurance providers typically use a wide range of data points when calculating their premiums, and while some of those risk factors are geographic in nature (eg your local area’s crime rate and the average number of road traffic accidents in your area), insurers use official data compiled by police forces and governmental departments when assessing those factors so local knowledge plays very little role.

While there is certainly no harm in speaking to a car insurance broker in London to find out what type of quotes they’re able to get for you, it would be a wise idea to use a price comparison site like Quotezone.co.uk to compare quotes from other insurance providers with those the insurance broker in London is able to offer.

You can then go with whichever one is able to offer you the best car insurance policy at the cheapest price.

*51% of consumers could save £290.68 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next three cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from November 2021 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.

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