If you're searching for "cheap car insurance", you're usually looking for the lowest price that still fits your needs. Prices vary widely based on your details, so comparing quotes is often the quickest way to find lower-cost options available for your situation.
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This page is for UK drivers who want to:
If your renewal is coming up or you're buying a car, comparing options can help you see price differences across providers. For drivers currently out of work, our unemployed car insurance guide explains how to declare your status correctly.
Car insurance pricing can change based on:
Your age and driving experience. Drivers aged 25 and over often see more competitive quotes - explore cover for drivers over 25. More experienced drivers may benefit from checking over 50 car insurance options.
Your car's insurance group and repair costs. Find your car's insurance group to see how it affects your quote. Driving an EV? Check electric car insurance or hybrid car insurance options.
Your postcode and where the car is kept overnight.
Annual mileage and how you use the car. If you drive for work, check business use car insurance to understand cover options.
Your claims history and driving record. Penalty points can increase premiums - see our guide on driving licence points and insurance. If you have a conviction, you may benefit from comparing convicted driver car insurance options. If you've had insurance declined before or need impounded car insurance, specialist providers may still offer cover.
Cover level, excess, policy start date, and payment method. If you want to protect against excess costs, see our excess cover guide.
Different insurers weigh these factors differently, so the same details can produce very different quotes.
Consider your specific needs, whether it's a second car, a leased vehicle, or if you have modifications that need to be declared.
For temporary needs like borrowing a car or test drives, short-term cover for a week may be more cost-effective than an annual policy.
Small changes can impact price, but accuracy matters. If you're looking to spread the cost, check no deposit options or consider a black box (telematics) policy if it suits your driving style. For drivers managing insurance on a low income, we have specific guidance on reducing costs effectively. If you're studying at university, student car insurance tips may help with budgeting around term-time changes.
A lower price can sometimes come with:
Always review the cover breakdown to make sure it fits your needs.
Start your quote online now and view options available from UK providers.
Start a Quote in 2 Minutes →This page was created to help UK drivers understand what affects car insurance prices and what to check when comparing options. It is reviewed for clarity and updated as needed to stay accurate and useful.
MySupermarketCompare is an insurance comparison website. We introduce customers to our quote partner to help them compare insurance options. Information on this page is general and is not financial advice. MySupermarketCompare.com is an Introducer Appointed Representative (IAR) of Seopa Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA FRN 313860). The insurance comparison service is provided by Seopa Ltd. Always read policy terms and conditions before purchasing. Individual outcomes and premiums vary based on personal circumstances.
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