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Car Insurance Scotland

Cheap Car Insurance for Drivers in Scotland

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Car Insurance Scotland – Compare Cheap Quotes

Whether you’re a provisional licence holder, a young driver who has recently passed your driving test, or a highly experienced motorist with a sizeable No Claims Bonus, if you’re a driver in Scotland and you’re looking to find cheap Scottish car insurance, Quotezone.co.uk is here to help.

Our unbiased car insurance comparison platform can help Scottish drivers compare quotes from a wide range of car insurance providers in a matter of minutes, free of charge.

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Will I get the best quotes by using a Scottish car insurance broker?

Not necessarily.

Local car insurance brokers in Scotland will obviously know your area better than a large insurer in London or Cardiff is likely to, but that local knowledge doesn’t necessarily translate into cheaper Scottish car insurance quotes for you.

That’s because insurers use a wide range of data points when calculating their premiums, including your local area’s crime rate and road traffic accident rate, but they use official data compiled by police forces and governmental departments when assessing those factors so local knowledge plays very little role.

The relationship your Scottish car insurance broker has with UK-based insurance companies is likely to have a more significant impact on your Scottish car insurance quotes, because some brokers are able to negotiate preferential deals with some providers.

However, since there’s no way to be sure ahead of time which broker has the best relationship with which provider, the best approach is to compare quotes from hundreds of insurance companies side by side then go with the firm that offers the best overall insurance policy at the most competitive price.

Which car insurance companies serve Scottish motorists?

Unlike motorists in Northern Ireland, which have historically been excluded from coverage by many of the bigger insurance providers in England and Wales, most Scottish drivers should find that the vast majority of insurance providers throughout the UK will be happy and able to provide them with a car insurance policy.

Of course, if the driver in question has a history of motoring convictions or has had a previous car insurance policy cancelled by their insurer they may find that they have a smaller pool of insurance providers to choose between, but that’s likely to be true whether they live in Scotland, England, or Wales.

Is car insurance in Scotland cheaper than in England?

Yes, according to most industry calculations car insurance in Scotland is generally cheaper than what an equivalent policy in England might cost, a fact that has largely held true for a decade or more. Here is a price breakdown of UK regions by car insurance costs.

WEST MIDLANDS£2392.30£1113.72£806.61£569.82£513.43£1079.18
NORTH WEST ENGLAND£2297.97£1210.03£879.90£528.89£510.59£1085.48
SOUTH EAST ENGLAND£2105.06£917.01£729.54£499.29£487.27£947.63
EAST OF ENGLAND£2030.26£939.51£761.52£473.07£473.04£935.48
NORTH EAST ENGLAND£1966.55£966.52£726.51£433.01£421.01£902.72
EAST MIDLANDS£1964.62£917.84£727.70£453.41£476.41£908
SOUTH WEST ENGLAND£1714.21£783.16£632.67£372.35£408.94£782.27
NORTHERN IRELAND£1359.12£726.79£554.57£445.96£485.76£714.44
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Reference – Data from Quotezone.co.uk, this data uses a random sample of over 100,000 UK car insurance policies from January 2023 – January 2024.

While it’s difficult to be sure exactly why car insurance Scotland is cheaper than in England, the fact that England is six times more densely populated than Scotland could be a contributing factor, alongside the fact that England has major conurbations like Greater London and Greater Manchester that are much bigger than urban centres like Edinburgh or Glasgow in Scotland.

*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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