Compare car insurance
Save up to £517* on your policy in minutes
*Based on data provided by Consumer Intelligence Ltd, October 2025. 51% of car insurance customers could save £517.83.
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Tell us some details about yourself
Add informationh about all drivers, your car, and where you live.
Decide what cover you need
Choose from 3 different levels of cover. We’ll also need details of your car, mileage and modifications.
Compare and choose a policy
We compare over 175 car insurance providers to help you find a deal.
Car insurance companies we compare
Find the car insurance company that fits you best. We compare car insurance from up to 175 UK companies to help you choose the right deal.
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ChurchillWhy trust Uswitch to compare car insurance?
We know you have options when comparing quotes. Here is why millions of UK customers trust Uswitch to handle their car insurance and household bills.
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Our comparison service uses Confused.com’s technology and insurer panel, backed by Uswitch’s independent guidance.
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How much can I expect to pay for my car insurance?
According to Uswitch data, the average cost of comprehensive car insurance in October was £567. Your price depends on your age, history and vehicle. Getting a quote will give you the most accurate price.
The cost of car insurance is specific to each individual because personal details and rating factors differ. But we can give you an estimate of what to expect within your age or driving experience bracket.
| Age | Average annual cost* | Average monthly cost** |
|---|---|---|
| Young driver (21 - 24) | £1,036 | £125 |
| Experienced driver (50-59) | £384 | £39.30 |
| Older drivers (over 70) | £380 | £34.75 |
| Average of all drivers | £594 | £64.90 |
Car insurance cost by age and experience
These figures highlight some key price differences, and it comes as no surprise that drivers under 24 typically pay three times more than experienced drivers in their 50s.
Insurers view a lack of road experience as a significant risk factor, which naturally pushes up the cost of insurance.
It is also worth noting that how you pay affects the price. Opting for monthly installments adds interest, meaning your total cost will be higher than if you paid annually.
*Based on Uswitch data, Aug - Oct 2025 comprehensive policies only. Average of all comprehensive polices that pay for their policies in full.
**Based on Uswitch data, Aug - Oct 2025 comprehensive policies only. Average of all comprehensive policies that paid monthly, inclusive of interest charged by insurers.
"If you auto-renew each year, you may be paying more than you need to. Renewal quotes rely on last year’s details, even though things such as your mileage can change. Insurers regularly update their prices, so comparing car insurance policies gives you an accurate quote and could help you save money."
Types of car insurance cover
There are 3 car insurance policy types, each offering different levels of cover.
Fully comprehensive
Comprehensive cover protects you, your passengers and your car, even if you’re at fault. It also covers damage to other vehicles, property and fire or theft.
Third party, fire and theft
Third party, fire and theft cover protects other people and their property and covers your car if it’s stolen or damaged by fire. It won’t cover your own car after an accident
Third party
This is the most basic level of protection. It covers injuries to others and damage to their property, but it won’t pay for any damage to your own car.
| Cover | Comprehensive | Third party fire and theft | Third party only |
|---|---|---|---|
| Injuries to other people | Yes | Yes | Yes |
| Damage to other cars | Yes | Yes | No |
| Fire & Theft of your car | Yes | Yes | No |
| Damage to your own car | Yes | No | No |
What car insurance add-ons can I get?
Car insurance add-ons allow you to tailor cover to your needs. You can choose from a wide range of car insurance add-ons, but remember, you’ll pay extra to get them.
Their costs vary between insurers and policies, so it’s worth shopping around and reading the policy wording.
Breakdown cover
There are different levels of breakdown cover to choose from, including basic roadside assistance, national recovery and European recovery.
Windscreen cover
Windscreen cover gives you peace of mind as you’ll be covered for any chips and even the replacement of your entire windscreen.
Legal expenses
Motor legal protection helps you claim losses and compensation that aren’t covered by a standard car insurance policy for a car accident that isn’t your fault.
Personal accident
Personal accident cover pays out if you’re injured or die due to a car accident.
How to get cheaper car insurance quotes
Comparing quotes is one of the easiest ways to save on your car insurance. Renewal prices often creep up, even when nothing has changed.
It’s worth checking your details each year, as small updates can make a difference to what you pay. Here are a few things that can help you get a more accurate and potentially a cheaper quote.
- Mileage
Insurers look at how much you drive. If you do fewer miles than the UK average of around 7,000 a year, you may be paying more than you need to. Make sure your estimate reflects how you drive now.
- Job title
Your job title affects how insurers assess your risk, and similar roles often sit in different price brackets. Our guide to car insurance job titles explains how occupation risk works and shows alternatives that can be used to help get a cheaper quote.
- Voluntary excess
The amount you agree to pay if you make a claim. Increasing voluntary excess can lower your price. Just make sure the total excess is something you could afford in an emergency. If you can't afford the excess, you may be unable to get your car repaired.
- Number of drivers
Adding a named driver with more experience, such as a partner or parent, can bring your price down. Their clean record can help lower how insurers view the overall risk of your policy.
Car insurance tailored for different needs
We don't just compare standard car insurance, we also offer cover for different situations.
Temporary car insurance
Temporary car insurance provides flexibility and convenience for short-term needs. It's ideal for situations like borrowing a friend's car, driving a new car home from the dealership, or taking a test drive.
Black box car insurance
Black box policies use a telematics device or app to monitor driving behaviour, offering lower prices for safe drivers. Suited to young or inexperienced drivers.
Multicar insurance
Covers multiple cars under one policy, making it easier if you have more than one car in a household. Multicar providers offer discounts for each car added to the policy.
Classic car insurance
Specialised cover for vintage or classic cars, based on their unique value and usage, instead of standard market value.
Car insurance for younger drivers
Finding affordable car insurance as a young driver can be hard, but it’s not impossible. With insurers often rating new drivers as high-risk due to their limited experience, quotes can be steep. But, understanding the factors that influence these costs and knowing where to look can help you get the cover you need without breaking the bank.
Student car insurance
Student car insurance compares prices and flexible cover options for students with limited driving experience or who use their cars intermittently.
New driver car insurance
Look at options for new drivers, emphasising safety and affordability for those just starting on the road.
Young drivers car insurance
Find out more about policies for young drivers, which offer competitive rates. This type of cover is designed to address the higher risks associated with less driving experience. See our young driver statistics report to make more sense of what influences the price of car insurance for young drivers.
Leoni's top tip for younger drivers: Adding an experienced named driver (like a parent) who actually uses your car can significantly lower your premium by reducing the overall risk profile. Just ensure you remain listed as the main driver to avoid illegal "fronting".
Insurance for other vehicles
Electric car insurance
Electric car insurance is tailored to cover things like batteries and cables that wouldn’t need cover on a standard car insurance policy.
Hybrid car insurance
Hybrid car insurance covers cars in the same way as standard car insurance. But, providers often include discounts due to the eco-friendly nature of hybrids.
Van insurance
Van insurance provides cover for commercial or personal use. It protects against risks such as accidents, theft, and damage. It often includes options for business-related needs.
Motorbike insurance
Motorbike insurance offers protection tailored to the unique needs of bikes and riders. It covers various risks, from accidents to theft and damage.
Car insurance groups
Car insurance groups help insurers understand how much a car might cost to repair or replace after an accident. The Group Rating Panel sets these groups by looking at things like parts prices, how long repairs usually take, safety features and overall performance. Cars in lower groups are often cheaper to insure, while higher-group cars usually cost more because insurers see them as higher risk.
You can find your car’s insurance group in your V5C logbook or by using an online group checker. Our car insurance groups guide explains how groups work and helps you find the right one for your car.
Leoni’s expert tip: "Modifying your car can change its insurance group. Even small upgrades, like a turbocharger or new body kit, can move it into a higher group and increase your premium."
Car Insurance comparison is powered by Confused.com which is a trading name of Inspop.com Limited who are authorised and regulated by the Financial Conduct Authority. Registered office; Greyfriars House, Greyfriars Road, Cardiff, CF10 3AL, registered in England and Wales 03857130. Please note, we cannot be held responsible for the content of external websites and by using the links stated to access these separate websites you will be subject to the terms of use applying to those sites. By using this system you are also agreeing to our Terms and Conditions and Privacy Policy. Uswitch is an intermediary and receives a percentage of the commission if you decide to buy through us. If you already hold an account with Confused.com, the information held for you will be available to help you complete your quote more quickly - you should check the information is still accurate and up-to-date.
