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You could save up to £515* on your car insurance

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Why compare car insurance?

Quick & Easy

Compare quotes in minutes with the simple online form.

Save Money

Access exclusive deals from leading UK insurers through our partners.

Trusted Service

FCA regulated comparison service provided by our partner Seopa Ltd, with access to 110+ insurance providers.

What you'll need to compare car insurance

Your Car Details

Your registration number helps us find your car. Know its value, security features, and your annual mileage.

About You

Basic info like name, age, address, occupation, driving history, and any previous claims.

Coverage Level

Choose your cover type (e.g., comprehensive), how you use the car, and your desired policy excess.

What type of car insurance do I need?

You'll need a minimum of third party car insurance to drive legally on UK public roads. Driving without car insurance can result in fines, penalty points and disqualification. Here are the main types:

Comprehensive car insurance

This gives the highest level of cover, protecting against damage to your car (even if it's your fault) and third-party claims.

Third party, fire, and theft (TPFT)

Covers third-party damage/injury, plus covers your car if stolen or damaged by fire.

Third party only (TPO)

The minimum legal requirement. Covers injury or damage you cause to others, but not your own vehicle.

Black box (Telematics)

Insurers track your driving via a device. Safer driving can lead to cheaper premiums, great for young drivers.

Temporary car insurance

Short-term cover available from one hour up to several weeks or months.

How much is car insurance?

Our partner's data shows that car insurance costs an average of £769.19* for UK motorists going into 2025.

Your individual cost depends on factors like age, location, driving history, and car type. Insurers use these details to assess risk. Age and location are significant factors, as shown below.

RegionAverage Premium*
London£1,240
West Midlands£972
North West England£882
Yorkshire£847
East Midlands£791
South East England£730
East of England£732
North East England£688
Wales£675
Northern Ireland£671
Scotland£652
South West England£590

*Reference – Data from Seopa Ltd, random sample of over 100,000 UK car insurance policies (Jan-Dec 2024).

How can I get cheaper car insurance quotes?

Finding cheap car insurance has become harder recently, but comparing quotes and following these tips can help you save:

Compare quotes for car insurance policies

Using comparison sites like MySupermarket Compare saves time and helps find cheaper policies. You could save up to £515*.

Pay annually

Paying your premium annually avoids interest charges applied to monthly payments.

Stay secure

Parking securely (e.g., driveway vs road) and using immobilisers or trackers can lower premiums (potentially saving up to £140).

Choose your car carefully

Cars in lower insurance groups usually have lower premiums. Powerful engines or modifications can increase costs.

Consider car insurance with telematics

Black box policies track driving habits and can lead to cheaper quotes, especially for younger drivers (18-24).

Personalise your policy

Select the right level of cover, excess, and add-ons for your needs to avoid overspending. Don't assume third party is always the most economical option.

Practice safe driving

Avoiding accidents helps protect your no-claims discount and keeps points off your licence, significantly impacting premiums.

Buy at the right time

Renewing around 3 weeks before your policy expires often yields better prices than waiting until the last minute.

Why is car insurance so expensive?

Car insurance prices have risen due to increased costs for insurers, including more frequent claims and higher repair/replacement costs. Industry reforms, inflation, and other factors contribute.

However, data from our partner Seopa Ltd showed premiums stabilising in early 2024. Comparing quotes remains the best way to find value.

Reference – Data from Seopa Ltd, random sample of over 100,000 UK car insurance policies (Jan-Dec 2024).

How to Make a Car Insurance Claim

If you need to make a claim, follow these general steps. Always refer to your specific insurer's process.

1. Report the incident

Contact your insurer promptly, regardless of fault. Provide date, time, location, and details of others involved.

2. Send supporting documents

Share your policy number and any evidence like police reports, photos, dashcam footage, or witness contacts.

3. Assessment and repairs

Your insurer will investigate and, if approved, authorise repairs or compensation via a chosen garage.

4. Claim settlement

Once settled, you'll be reimbursed for approved costs. Settlement time varies by insurer and claim complexity.

Compare Other Insurance Types

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Insurance comparison service provided by our partner Seopa Ltd.

MySupermarket Compare is an Introducer Appointed Representative (IAR) of Seopa Ltd (FRN: 313860). Seopa Ltd owns and operates the insurance comparison service.

*51% of consumers could save £523.47 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 August 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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Car Insurance FAQs

What Insurance group is my car in?
Cars in the UK are assigned to insurance groups (1-50) which influence premium costs. While online tools can estimate your car's group, these may not always be up-to-date as groups can change. The most accurate way to confirm your car's specific group is by checking your policy documents or contacting an insurer directly. Comparing quotes through MySupermarket Compare will factor in your car's details automatically.
Which cars could be less expensive to insure?
Generally, cars in lower insurance groups (like Group 1) tend to be less expensive to insure. Examples often include models like the Volkswagen Up, Hyundai i10, or Fiat Panda. However, the insurance group is only one factor. Your personal details (age, driving history, location) significantly impact the final price. The best way to find suitable insurance for your needs and a specific car is to compare personalized quotes.
Which car insurance might be right for me?
The right car insurance for you depends entirely on your individual needs and circumstances. What might be suitable for one person might not be right for another. The goal is to find cover that adequately protects you at an affordable price. MySupermarket Compare, powered by Seopa Ltd, helps you search for suitable options by comparing quotes from over 110 trusted UK car insurance providers.
Which provider might be suitable for my car insurance?
The most suitable car insurer depends entirely on your individual needs and circumstances. What works well for one person might not be right for another. The goal is to find cover that adequately protects you at an affordable price. MySupermarket Compare, powered by Seopa Ltd, helps you search for suitable options by comparing quotes from over 110 trusted UK car insurance providers.
Does my insurance let me drive other cars?
Cover for driving other cars (DOC) is no longer standard on most comprehensive policies. You **must** check your specific policy documents for a DOC clause to see if you are covered to drive other vehicles and what level of cover applies (it's often only third-party). Never assume you have this cover.
Can I tax a car without insurance?
No, you cannot tax a vehicle in the UK without valid insurance. When you apply for vehicle tax (online, by phone, or at a Post Office), the system automatically checks the Motor Insurance Database (MID) to verify that appropriate insurance is in place for the vehicle.
Can I insure a car I don't own?
Yes, it is usually possible to insure a car even if you aren't the registered owner or keeper. However, you must have an 'insurable interest' (a valid reason for insuring it, e.g., you are the main driver). Crucially, you must inform the insurer that you are not the owner during the quote process. Our comparison form allows you to specify this.
What happens to my insurance if my car is written off?
If your car is declared a write-off (total loss) by the insurer, your insurance policy typically ends. You usually won't receive a refund for the remaining premium, and if you pay monthly, you'll likely need to pay the outstanding balance for the full year's cover. You may receive a compensation payment based on the car's market value at the time of the incident, depending on the write-off assessment and your policy terms.
Can I use my no-claims discount on two cars?
Generally, no. A no-claims discount (NCD) is earned per policy and can usually only be applied to one vehicle at a time. You cannot use the same NCD concurrently on two separate car insurance policies. Some insurers might offer introductory discounts on a second policy if you have a good NCD on your first, or consider a multi-car policy.
How long does a cancelled insurance policy stay on record?
A cancelled insurance policy essentially stays on your insurance history indefinitely. You have a legal obligation to disclose previous cancellations or voids when applying for new insurance if asked. Failure to do so can be considered non-disclosure or even insurance fraud, potentially leading to future policies being cancelled or invalidated.
Can I get car insurance quotes without personal details?
While some tools might offer very rough estimates based only on car details, accurate car insurance quotes require your personal information (like age, address, driving history) as these heavily influence the price. To get real quotes from insurers via MySupermarket Compare, you'll need to provide these details through our secure form.
Do I need legal cover on my car insurance?
Motor Legal Protection (often called legal cover) is an optional add-on, not a legal requirement. It covers legal costs associated with car accidents where you weren't at fault, helping you recover uninsured losses (like excess, loss of earnings) or pursue compensation for injury. It can also cover legal defence costs for motoring offences. While relatively inexpensive, consider if the potential benefits justify the cost for your situation.

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