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Cheap Car Insurance
When it comes to comparing car insurance, the most important thing is knowing where to look. Whether you’re a learner driver, a student or a seasoned motorist in your 60s or 70s, you don’t need to be confused over where and how to get a cheaper car insurance policy.
With Quotezone you’ll have a much better chance of finding the best car insurance premiums by comparing quotes from a wide range of providers from across the UK market with 110+ insurance providers. Get a car insurance quote online in minutes and start saving on your premiums today.
Why compare car insurance with Quotezone.co.uk?
Young provisional licence holders as well as older drivers with decades of experience behind the wheel regularly turn to Quotezone.co.uk. Our independent and unbiased insurance comparison platform allows you to compare car insurance quotes in a matter of minutes, without any hidden fees or surprises. Our expertise and panel of UK-based insurance specialists mean that finding cheap car insurance has never been easier! – In fact, 51% of consumers could save £504.25 on their car insurance when using us.
You too can get cheaper car insurance quotes in moments and start saving today.
How to get cheap car insurance
Contrary to popular belief, getting cheap car insurance doesn’t need to be difficult or time-consuming. To save money on your car insurance, there are a few simple steps you can take:
- Opt for a car in a lower insurance group: If you haven’t yet purchased your car, it is worth looking into a car in a lower insurance group. This can significantly reduce your premiums.
- Opting for higher voluntary excess: By offering to pay a greater excess amount in the event of a claim, you may be able to reduce your total monthly premiums.
- Parking in a garage or on a private driveway: If you usually park your car on a public road it will probably cost you more to insure. Keep your parked car in a garage or a secure driveway to reduce your risk to insurers.
- Consider telematics insurance: Opting for a telematics policy can be a good way to show you are a safe driver to your insurer. With black box car insurance, 18 to 24-year-olds can save over 6% on their premiums.
- Install additional security features: If your car doesn’t have an alarm, engine immobiliser or GPS tracker then installing one could result in cheaper insurance. Installing a dash cam can also help keep your premiums down.
- Paying annually instead of monthly: By paying annually instead of monthly you can avoid interest charges.
- Update your insurer over changing circumstances: Survey data indicates that 26.4% of policyholders don’t update their policies throughout the year with changes to circumstances. If you have changed jobs or are not driving as much, notify your insurer as you could save significantly on your premiums.
- Avoid getting penalty points: Having three penalty points can increase your premiums by 5 per cent for the duration of the four years an infringement stays on your license. Our data shows this figure jumps to 25% when you accumulate six penalty points, so avoid these whenever possible and always observe the road rules.
- Opting for comprehensive cover: Drivers aged 21 or younger could save an average of 11% by opting for a fully comprehensive policy. This is due to more risky drivers opting for third-party-only insurance, so Insurers reflect this by raising their pricing.
- Avoid modifying your car: Modifications such as tinted windows, neon lights, exhaust modifiers and even stickers can increase insurance premiums. Some modifications can even void your insurance policy, so check that any modifications you plan to make are compliant.
- Add a ‘named driver’ to your policy: If you are a younger driver without many years behind the wheel, adding a parent or older sibling as a named driver can help reduce your premiums.
- Build up a no-claims bonus: A no-claims bonus or no-claims discount can be built up for each year you don’t make a claim.
As a top tip – Doing a car insurance comparison with multiple providers will always increase your chances of finding cheaper quotes. You should compare car insurance quotes when it is nearly time to renew your existing policy. This will give you the best chance of finding the cheapest car insurance available to you on the current market.
What does car insurance cover?
What your car insurance will cover will depend on the type of policy you choose. Any add-ons and extras you decide to include will also increase what’s covered under your car insurance policy.
- Third-party only (TPO): This is the minimum level of car insurance legally required to drive on public roads in the UK. Third-party car insurance is intended to cover the costs of any injury or damage you cause to others as a result of an at-fault accident. It will not cover the cost of repairing or replacing your own vehicle.
- Third-party, fire and theft (TPFT): This will include standard third-party cover with the added benefit of covering your own car if it is stolen or damaged/written off as a result of fire. You still won’t be covered for your own vehicle in an at-fault accident.
- Comprehensive cover: A fully comprehensive policy is the most comprehensive level of coverage a driver can take out in the UK. This level of coverage includes everything that’s covered by TPFT with the added benefit of covering repairs and replacement of your own car even if you are the at-fault driver. This type of insurance will also pay out if you’re involved in an accident with an uninsured driver, which isn’t covered by lower levels of coverage.
The type of car insurance that will be best for you will depend on your individual coverage requirements and budget. Remember to compare multiple car insurance quotes as sometimes a more comprehensive car insurance policy can be the cheaper option. You can also choose add-on options and extras to better tailor your coverage to your specific needs.
What our experts say:
“As counterintuitive as it seems, third-party car insurance is often a more expensive option for many drivers, and it also leaves people at risk of further financial damage, so we’d always recommend fully comprehensive, if possible, especially when it’s actually a cheaper policy for many drivers and the cost of parts and repairs are surging.” – Greg Wilson, Founder of Quotezone.co.uk
How much is car insurance?
Getting cheap car insurance quotes that can also give you all the coverage you need is the end goal for most motorists on the hunt for a new insurance policy.
Here’s how much a UK motorist can expect to pay for their car insurance on average across all levels of coverage.
- £1260.49 PA | £105 monthly for 18-24 year olds
- £502.30 PA | £41.85 monthly for 45-64 year olds
- £886.44 PA | £73.87 monthly for 25-34 year olds
- £450.40 PA | £37.53 monthly for 65+
- £711.65 PA | £59.30 monthly for 35-44 year olds
*These findings are based on average calculations – based on a sample of 100,000 policies as of September 2023- premium prices will vary depending on the individual circumstances of the policyholder in question
What affects the cost of car insurance?
The cost of your car insurance is determined by the risk that an insurer will likely face if they offer you coverage. This means that the cost of car insurance can vary greatly between individual motorists. Insurers calculate risk by using multiple factors to determine how much you should be charged to insure your car with them.
When looking for the best car insurance in the UK, there are a few things you’ll need to be aware of which will impact how much you pay for your coverage.
Insurers will take into account a few factors about your car when calculating the cost of your car insurance.
For example, insurers will want to check:
- Your car’s insurance group
- Its security features (for example, a car alarm or an engine immobiliser)
- Its engine size (a high performance car will cost more to insure than a smart car, for example)
- Its age
- Its mileage
- Whether or not it has been modified
- Whether or not it is an import car
When it comes to your vehicle’s insurance group, it’s worth bearing in mind that every car is assigned to a group from 1 to 50, with vehicles in lower groups being cheaper to insure. A range of factors are used to allocate vehicles to a particular insurance group, including the car’s value and performance level, the cost and availability of spare parts for the vehicle, and the average time required for repairs.
Both road traffic accident data and insurance claims data have demonstrated that young drivers represent a much higher insurance risk than older drivers to insurers. Being a young motorist will impact the cost of your car insurance policy in comparison with other age groups such as those in their 40s or 50s. This is due to insurers adjusting prices to reflect statistical risk.
Drivers in their 70s or 80s are also more likely to be seriously hurt when they are involved in an accident, which can also prove more costly for insurers. This too can result in higher premiums due to the increased risk to the insurer.
Almost all car insurance policies will require you to pay a certain amount of compulsory excess in the event of a claim. Compulsory excess amounts are typically fixed and can’t be reduced. Motorists can however choose to set a higher excess amount in what is known as ‘voluntary excess’. This has the potential to reduce the overall cost of your car insurance as generally the smaller your compulsory excess, the greater your premium cost.
Your occupation can directly impact how much insurers charge you, as some jobs will increase the risk of you making a claim more than others. Occupations which require you to do more driving than the average motorist can all potentially increase the amount you are quoted for when comparing car insurance.
Some roles such as nurses, teachers or doctors will have lower premiums than other occupations but insurers will still regularly evaluate the risk of certain occupations for a potential claim. Emergency service operators such as paramedics, firefighters and police officers hold the best occupations for cheaper car insurance premiums.
Crime statistics such as rates of theft are an important consideration for insurance providers when presenting you a quote. Areas with a higher crime rate can have an impact on your overall premium cost. Crime rates are generally higher in big cities, which is a factor in why car insurance in London, Manchester, Birmingham or Leeds is often more expensive than the average car insurance premium for a rural area.
Living in a heavily built-up area can also increase the chances of being involved in a car accident simply due to the number of cars on the road in a given area. Smaller cities such as Aberdeen and Bristol are also impacted by this despite being less congested than larger cities.
Where you park your vehicle will also be a factor when you’re trying to find the best car insurance quotes. Parking your car in a garage or on a driveway reduces the risk of accidents, vandalism and theft, and the overall risk of a claim which can in turn result in cheaper insurance.
Your Driving History
Your driving history will impact the price of your car insurance as insurers will be interested in the following points.
- How long have you had your full licence
- If you have any points or driving convictions on that licence
- Whether you’ve been involved in any accidents previously
Most insurers will want information on your driving spanning back at least five years, however this is not always the case as some insurers will accept information for the last three years only. Some insurers may require information on your driving history dating back to as far as a decade but these cases are rare.
If you’re a provisional licence holder and don’t have much of a driving history for insurers to compare, you can expect the cost of your car insurance to be relatively expensive. It may be possible to reduce your car insurance costs as a provisional licence holder by opting for temporary learner insurance. If you’re a full licence holder, you will likely find the cost of your car insurance gradually becomes cheaper after you’ve held your licence for a few years…provided you don’t receive any driving convictions or have points added to your licence.
If you are given penalty points for speeding, running a red light or some other driving offence your insurance will almost certainly be more expensive until the points are removed from your licence.
“While the complexity of insurance premium calculations makes it impossible to put a pounds-and-pence figure on it, on average, three penalty points could result in a 5% jump in a driver’s car insurance premium, while six penalty points could see the cost of their insurance rise by an eye-watering 25%.” – Greg Wilson, founder of Quotezone.co.uk
Your Claims History
The main driver on a car insurance policy can earn a No Claims Discount (also known as a No Claims Bonus) for each consecutive year they hold insurance without making an insurance claim. This means drivers can often build up a sizable discount on their annual premiums if they are safe drivers and avoid being involved in a claim. Whilst the value of your no claims discount will vary between insurers, it is possible for some motorists to save up to 60% on their premiums with a no claims bonus built up over five years.
Your Medical History
There are a number of medical conditions that can impair a person’s ability to drive and so if you are diagnosed with one of them, you will need to declare that diagnosis to both the DVLA and your insurer.
The full list of conditions that need to be declared is fairly extensive and can range from conditions such as diabetes to Alzheimer’s. Some of the listed medical conditions are age-related which means your medical history is likely to be a more important factor as you age.
Some typical examples of medical conditions which will need to be declared to the DVLA by law include:
- Hay fever
Whilst some medical conditions will unfortunately disqualify you from driving, others will not prevent you from getting behind the wheel. However, some of these conditions will still increase your risk to insurers and so can raise your car insurance premiums.
You can check here to see if you have a condition which needs to be disclosed to the DVLA.
Your Optional Extras
Most insurance providers will offer you a range of optional extras that can be added to your policy for more tailored coverage. Typical add-on options include breakdown cover, windscreen cover and legal expenses cover just to name a few.
While these extras can prove convenient, and in some cases may be cheaper than taking out separate cover, they will usually increase your insurance premiums. That’s why when doing a car insurance comparison you should consider what extra coverage you will realistically benefit from to avoid paying for more than you really need.
Check out the following add-ons and upgrades that you can have included with your policy:
- Breakdown cover – Sometimes called ‘Roadside Assistance’, this cover will help get you get back on the road when your car breaks down and you’re away from home.
- Windscreen cover – When your windscreen is cracked or chipped, windscreen cover will pay for the repair or replacement.
- Car key cover – Modern keys can be expensive, that’s why having cover to take care of the costs of replacement or reprogramming lost or stolen keys can be so handy.
- DOC Insurance – Driving Other Cars insurance will offer you cover to drive someone else’s car with their permission. You may also be eligible for DOC insurance even if you’re under 25.
- Courtesy car cover – When your car is in the repair shop after an accident, you’ll need a temporary car to keep things moving.
- Misfuelling cover – If you accidentally misfuel your car and need to have the tank drained and cleaned, wrong fuel cover can take care of the costs.
- Personal belongings cover – If you regularly keep expensive belongings in your car such as a work laptop or sound system, personal belongings cover is for you.
What Else Can Impact My Premiums?
The list above is not exhaustive, however it should provide you with a good knowledge of what sort of factors will influence your insurance premiums. If you are interested in finding out what practical steps you can take to get your insurance premiums down read on to see our top data-driven tips on how to save.
Frequently asked questions:
Does gender affect car insurance?
Women drivers are statistically less likely to be involved in a car accident than men in the UK and less likely to receive driving convictions and penalty points added to their licence. In 2012, the EU’s new gender directive made it illegal for insurance companies to use gender as a factor when calculating premiums. While some insurers are geared toward offering motor insurance for female drivers, insurers cannot legally discriminate between men and women. As a result, your gender will not have any impact on your ability to get the best car insurance quotes.
Why has my car insurance gone up?
2023 has proven to be an expensive year for motorists with car insurance prices experiencing a rapid climb. This can be explained by many different factors all pushing up the price of premiums but essentially the main reason car insurance has gone up is the increased number of payouts made by UK insurers in the first quarter of 2023.
The Association of British Insurers (ABI) have stated that insurance payouts have risen 14% in the first quarter of 2023 compared to the previous year. This in combination with increased potholes, longer repair times due to various logistics disruptions and instabilities, the cost of living crisis and continued inflationary pressures, have all contributed to making the average car insurance quote more expensive.
That is why it is more important than ever to do a car insurance comparison with as many providers as possible before committing to a policy or simply letting your policy renew.
Does my car insurance let me drive someone else’s car?
If you just take out a third-party or third-party, fire and theft insurance policy, you will usually only be covered to drive your own vehicle. Some fully comprehensive car insurance policies will still provide the main driver on that policy with third-party cover to drive someone else’s car, however, most insurers in the UK have removed this from their comprehensive policies as a standard.
‘Driving other cars‘ or DOC insurance can still be purchased from many insurers as an add-on for an additional fee when it isn’t included as standard.
What is insurance excess?
The ‘excess’ on an insurance policy is the initial portion of the costs that the policyholder would have to pay themselves in the event of an insurance claim.
Here’s an example:
If a motorist had a car insurance policy that carried a total excess of £200 and they filed a claim for damage to their vehicle amounting to £2,000 they would have to cover the first £200 themselves, with the insurer covering the remaining £1,800.
Will opting for a high voluntary excess ensure I get offered the best car insurance quotes?
Most policies have two separate excess amounts: a ‘compulsory excess’, which is determined by the insurance provider and can’t be modified or removed; and a ‘voluntary excess’, which is set by the policyholder and can often be adjusted upwards in order to reduce the annual premium. However, agreeing to a very high voluntary excess doesn’t necessarily guarantee you’ll be offered the best car insurance quotes, and it’s still important to shop around by comparing quotes from a wide range of different providers. It’s also important to ensure the excess you opt for won’t be beyond your budget in the event of an accident.
What is dash cam insurance?
Some insurance providers may be willing to offer motorists a discount on their car insurance if they have a dashcam installed in their vehicle because dashcams can offer providers valuable evidence about exactly what happened in the event of an accident. This video footage could potentially help to prove that the provider’s own policyholder wasn’t at fault, and can also help to reduce the risk of ‘crash for cash’ insurance claims.
Getting the cheapest car insurance
When you’re starting to search for a new car insurance policy there are a number of things you can do that will increase your likelihood of finding the cheapest car insurance. First and foremost, you should use an unbiased price comparison platform like Quotezone.co.uk before you accept a renewal quote from your existing provider. That way you’ll be able to compare quotes from a wide range of providers in a matter of minutes. There are some very cheap car insurance options out there on the market, so comparing as many insurers as possible is your best bet.
Why is comprehensive insurance sometimes cheaper?
Fully comprehensive car insurance offers drivers more protection than lower levels of coverage, which means there are more types of incidents where your insurer might have to pay out. In some cases this is reflected in higher premiums for comprehensive insurance policies. However, some insurers do take into account the fact that riskier drivers often search for less comprehensive cover because they assume it will be cheaper, which could mean there is an increased risk of an insurance claim on some third-party or TPFT policies even though the insurer is covering fewer types of incidents on those policies. In practice, that means fully-comp can potentially be more expensive, less expensive or the same price as lower levels of cover, which is why it’s a good idea to compare quotes for fully-comp even if you’re thinking of taking out less coverage.
How can I get free car insurance?
While it’s true that there’s “no such thing as a free lunch”, some companies do offer motorists free car insurance as an incentive when they make a larger purchase. The most common scenario is a car dealership offering drivers free car insurance for 12 months when they buy a brand-new car. While this type of incentive is sure to be attractive to many motorists, it isn’t always a good idea to search down these offers or use them as the deciding factor when you’re buying a car. It’s important to make sure you’re not paying over the odds for the vehicle (or buying a vehicle you don’t really want) in order to secure the free car insurance offer. After all, the cost of that insurance policy will almost certainly have been built into the cost of the car in some way, so you might be getting very cheap car insurance but it isn’t entirely free even though the real cost might not be obvious.
How can Quotezone help to find cheap car insurance?
Quotezone.co.uk will help you to find cheaper car insurance through our panel of specialist UK-based insurance providers. To find cheap UK car insurance, Simply fill in our short details form and start comparing multiple quotes in minutes with our non-biased and independent insurance comparison site. More than 3 million users so far have compared insurance with us for cheaper deals, so give it a try yourself and find a great policy today!
Written by Greg Wilson
Page last reviewed on 26th October 2023 by Greg Wilson.
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*51% of consumers could save £504.25 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 September 2023 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.