Compare quotes from 130+ trusted UK insurers. You could save up to £518* in minutes.
Compare car insurance prices from 130+ trusted UK insurers
You could save up to £518* when you compare today
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The average UK car insurance premium is around £580 per year, down 11% compared to the same period in 2025. Premiums have been falling since early 2025, but costs vary significantly depending on your age, location, vehicle, and driving history.
£580
Average UK car insurance premium (Q1 2026)
11%
Year-on-year decrease in average premiums (Q1 2025 vs Q1 2026)
£11.9bn
Paid out in motor claims across 2025
Source: Quotezone Car Insurance Price Index, Q1 2026. Claims data from Association of British Insurers (ABI).
Your age is one of the biggest factors. Drivers aged 17–24 pay significantly more than the national average, while drivers over 40 typically pay less. Where you live matters too, with London the most expensive region and the South West the cheapest. Comparing quotes from multiple insurers is the most effective way to find a competitive price, as quotes for the same driver can vary by hundreds of pounds.
Read our full guide on car insurance costs in 2026 →Car insurance premiums peaked at £885 in Q4 2023, driven by a surge in claims costs and rising repair bills. Since then, prices have fallen consistently, dropping 35% to reach £580 by Q1 2026. The chart below tracks the average UK car insurance premium quarter by quarter.
Source: Quotezone Car Insurance Price Index, Q1 2026. Based on a random sample of 100,000+ UK car insurance policies.
Car insurance costs vary significantly depending on where you live. London remains the most expensive region at £816 per year, while the South West is the cheapest at £475. Every region has seen premiums fall over the past 12 months, with the West Midlands seeing the sharpest annual drop, from £784 to £668.
£474.91
↓ £37 vs Apr '25
£499.11
↓ £57 vs Apr '25
£504.38
↓ £42 vs Apr '25
£516.35
↓ £34 vs Apr '25
£543.09
↓ £76 vs Apr '25
£543.70
↓ £65 vs Apr '25
£555.82
↓ £93 vs Apr '25
£594.06
↓ £96 vs Apr '25
£601.44
↓ £112 vs Apr '25
£634.76
↑ £11 vs Apr '25
£668.36
↓ £116 vs Apr '25
£815.78
↓ £192 vs Apr '25
Source: Brumble analysis of Quotezone Car Insurance Price Index data, April 2025–March 2026.
Your postcode is one of the biggest factors insurers use when calculating your premium. Areas with higher traffic density, crime rates, and claim frequencies tend to have higher premiums. Comparing quotes is the most effective way to find a competitive price for your area.
Age is one of the single biggest factors in car insurance pricing. Drivers aged 17–24 pay an average of £1,430 in London, which is 153% more than drivers over 65 in the same city. The gap narrows as you get older, but location still plays a major role at every age.
Younger drivers face higher premiums because they're statistically more likely to be involved in accidents. Building a no claims bonus, choosing a car in a lower insurance group, and considering black box insurance are all effective ways to bring costs down.
Source: Quotezone Car Insurance Price Index, Q1 2026. Based on a random sample of 100,000+ UK car insurance policies, January–March 2026.
Your age and driving experience: Young drivers face the highest premiums because they have less experience and a higher claims risk. Premiums fall steadily as you build a track record. Read our young drivers guide.
Where you live: Postcodes with higher traffic density, claim frequencies, and crime rates carry higher premiums. London is currently the most expensive region in the UK. See how postcodes affect prices.
Your car's insurance group: Every car is assigned an insurance group from 1 to 50 based on repair cost, performance, safety, and security. Lower groups cost less to insure.
Your annual mileage: Insurers charge more for drivers who cover more miles. Overestimating your mileage will push your premium up needlessly, so be accurate. Work out your annual mileage.
No claims bonus: Each claim-free year earns a discount. After five years the saving is significant. Protecting your NCB lets you make limited claims without losing it. Learn how NCB protection works.
Level of cover: Comprehensive cover often costs the same or less than third party only, because insurers see comp drivers as lower risk. Compare fully comprehensive cover.
Voluntary excess: Increasing your voluntary excess lowers your premium, but you'll pay more out of pocket if you claim. Only set it at a level you can comfortably cover.
Modifications: Any modification, whether performance, cosmetic, or even a dash cam, must be declared. Undeclared mods can invalidate your policy entirely. Read our modifications guide.
Compare quotes every year: Auto-renewal is rarely the cheapest option. Comparing quotes from multiple insurers is the single most effective way to save.
Check your annual mileage: Overestimating your mileage pushes your premium up. Take a meter reading and base your figure on real-world driving. Try our annual mileage calculator.
Increase your voluntary excess: Higher excess = lower premium. Only raise it to a level you could afford to pay if you needed to claim.
Improve your car's security: Approved alarms, immobilisers, and trackers reduce theft risk and can lower your premium.
Build your no claims bonus: Avoid claiming for small incidents you could pay for yourself, and protect your NCB once you have a few years built up. See our no claims bonus guide.
Consider black box insurance: Telematics policies can be significantly cheaper, especially for younger drivers willing to be assessed on their actual driving. Read about black box cover.
Pay annually if you can: Monthly payments add interest. Paying upfront is almost always cheaper over the year.
Choose your car carefully: Lower insurance groups cost less to insure. If you have flexibility on which car to buy, check the group rating first.
Whether you're a young driver, drive a performance car, or own an electric vehicle, there's specialist cover designed for your situation. Explore our specialist car insurance pages below.
We've built a set of free tools to help you understand your car's costs, check its status, and make smarter decisions about insurance.
Check any vehicle's MOT history, test results, and advisory notices. Free and instant.
Check MOT →Check road tax status, rate, and ULEZ compliance for any vehicle.
Check Tax & ULEZ →Work out your annual mileage so you can give insurers an accurate figure.
Calculate Mileage →Find out what it really costs to run a car: insurance, fuel, tax, MOT, and maintenance.
Calculate Costs →Find out how much it costs to charge an electric car at home and on the road.
Estimate Costs →Read our guides to understand the right level of protection for your needs and budget. All cover types are available via Brumble.
The highest level of cover. Protects your own vehicle plus third party claims, fire and theft.
Learn MoreCovers damage to others plus fire damage and theft of your own vehicle.
Learn MoreThe legal minimum. Covers damage or injury you cause to other people and their property.
Learn MoreA telematics device tracks your driving. Drive safely and earn lower premiums at renewal.
Learn MoreSpecialist cover for new and young drivers, including learner driver and pass-plus options.
Learn MoreOne search. A selection of quotes. Find the right cover without the hassle.
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Ryan is the founder of Brumble and has over a decade of experience in the UK motor finance and insurance industry. He created Brumble to make it easier for UK drivers to understand the insurance and finance world by cutting through the jargon.
Originally published: 1 November 2025 · Last updated: 26 May 2026
Everything you need to know about car insurance in the UK.
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