We want you to find the right insurance at the right price. Sometimes that’s the cheapest, but not always. Whatever you do, don’t pay more than you should.
92% of customers who left a car insurance review recommend us. Last checked January 2020
Coronavirus and car insurance
If how you use your car has changed because of Coronavirus, you don’t need to tell your insurer. For new quotes, when you’re asked questions like whether you drive in peak times, or commute for work, answer as you normally would. It’ll probably cost you more to make changes to your policy later in the year. Plus, if you forget, any claim you need to make could be invalidated.
A lot of our insurers have reduced call centre staff because of Coronavirus. That means the simplest way for you to get insurance is online. If you need to call an insurer to get your car insurance, you’ll probably have a longer wait time than usual.
We’ve put together more information on the effects of Coronavirus on your car insurance.
Compare quotes in minutes
We only need a few details to get your car insurance quotes. Here’s what we’ll ask you for:
Compare social, commuting or business car insurance
Your reg plate
The make, model and year of your vehicle
Your annual mileage
The distance you drive your car in a year tells the insurer about your driving habits
Modifications and changes to your car
If your car’s changed from the manufacturer’s standard, you need to declare it
Your car’s value
How much your car is currently worth helps insurers calculate the cost of your premium
Your age, occupation, address, licence type and driving experience
£250 excess cover. For free. On us.
Claiming on your car insurance is stressful enough without the added cost of your excess – and we want to help with that. You’ll have to pay your excess first, then we’ll refund up to £250 after your claim’s settled.
Our free £250 excess cover isn’t just for accidents. You can claim your excess back for fire, theft and accidental damage claims too.
Don’t worry, we haven’t put up your insurance premiums to cover it. We just want to help.
Up to £250 refunded after claim settled. Car insurance purchases only. Excludes breakdown, windscreen and glass repair/replacement. Full T&Cs apply.
GoCompare is easy to use, I use it every year when car insurance renewal is due. My vehicle details are saved in my account which saves time as most of the boxes are already completed. This year I saved £35 and got better cover.
Very easy to use. Very quick response when decided to choose my new insurance provider. A simple click and you are done.
Quick and easy to do, very happy with the £250 excess cover. Brilliant!
It was very easy to get some excellent prices for my insurance and you saved me about 50% on my renewal quote from my existing insurer. Plus you get £250 free excess cover.
I am very happy with my recent visit to GoCompare to renew my car insurance. It was clear & easy to follow, which means that I am now reinsured, without tearing my hair out, along the way.
If you’ve got your renewal offer, don’t just settle for it. It’s almost always more than you paid last year – even when you haven’t made a claim. Shop around. A quarter of customers beat their renewal quote by £55 with us.
Top tip: You’ll usually get your best prices around three weeks before your car insurance is due for renewal.
Matt Oliver – Car insurance expert
25% of customers who provided their car insurance renewal price saved up to £55.46 with us between 1 June 2019 and 31 August 2019
What’s my car insurance going to cost?
Insurers try and work out how likely you are to make a claim on your car insurance – and that’s what sets the price.
You could insure your car from as little as £250, but on average, car insurance costs about £750. That’s according to our data – we checked quotes done with us between January and May 2019.[*]
But it varies between cover types. The average price of a comprehensive policy was £532. But for third party only (TPO), it was almost double at £956.
These are just averages though – your quotes will depend on a lot more than just the cover type you choose. Your age, the car you drive, mileage and driving history all play a part.
New and young drivers, be prepared to pay more. To insurers, you pose the most risk of having an accident, so your premiums will be higher. The average fully comp quote for 18-24 year olds was £1,042.
[*]Average cost of annual car insurance by policy type purchased in May 2019 via GoCompare
Average cost of comprehensive car insurance where the main driver is aged between 18-24 bought through GoCompare in June 2019
10% of customers were quoted annual car insurance premiums of £249.50 or less with Gocompare.com (01 Jan 2020 to 31 Mar 2020)
How could I get cheaper car insurance?
Car insurance is expensive, but there are ways to make sure you don’t pay more than you should. See if you can keep your premiums down with these tips and tricks.
Paying upfront always works out cheaper than paying monthly, because there’s no interest or finance arrangement fee
Tighten up your security
Alarms and immobilisers reduce theft risk. Look for Thatcham-approved devices, they’re more likely to be recognised by insurers
Try not to make too many changes to your car – you’ll end up paying extra to cover the cost of repairs or replacement
Increase your voluntary excess
It’s what you offer to pay on top of your compulsory. Keep it affordable though, in case you need to claim
The lower your mileage the less you’ll pay. But don’t underestimate your mileage – it’ll invalidate your insurance
For more cost-cutting tips check out our guide
Convenience is going to cost you
Paying monthly for car insurance is costing drivers a collective £544m a year in interest.
If you can afford it, pay annually for your insurance. On average, you’ll save yourself £55.
What cover do I need?
Car insurance can cover you for things like if your car is broken into or stolen, or if you’re involved in a collision.
Exactly what you’re covered for depends on the type of policy you choose. Don’t just pick the cheapest option – compare and choose a policy that has the right level of cover for you.
Everyone has to have third party only (TPO). It’s mandatory, and you can’t legally drive without it. It’ll cover other people and their vehicles (third parties) if you’re responsible for an accident. For example, if you damage their vehicle or they’re injured.
Fully comprehensive car insurance is the most extensive cover you can get. It’ll cover you for repair or replacement costs if your car’s damaged or written off, and also covers you if it’s stolen or catches fire.
As with other types of car insurance, you’ll be covered for claims made against you for people, passengers and their property.
All policies are different, so you’ll need to check you’ve got the cover you want before you buy. And that’s what we’re here to help with.
- The most extensive cover
- They aren’t all the same – check policy details for cover levels
- Sometimes comprehensive cover is cheaper than a third-party policy
Third party, fire and theft (TPFT) covers you if you’re responsible for damage to other people, passengers or their property because of a fault with your driving.
Your car’s covered if it gets stolen or damaged by fire too.
But if you’re responsible for an accident you won’t be covered by TPFT for repairs to your vehicle or any medical costs – you’ll have to cover those yourself.
- You’ll be covered for injury to others, including passengers, and their property
- If your car is stolen or involved in a fire, you’ll be covered
- You won’t be covered for any damage to your car, or yourself, if you’re responsible
Third party only (TPO) is the most basic level of insurance you can get – and the lowest level of cover required to legally drive your car in the UK. Third party coverage is included in TPFT and fully comp policies, but it’s also available on it’s own.
As a standalone product, it’ll cover you for damage to other people, passengers, or their property if you’re found responsible.
But there’s no cover for you or your car. If your car’s stolen, damaged or catches fire you won’t be able to claim back the cost.
If you drive without insurance, you can be fined and have points added to your licence – you could even be taken to court. You’ll also find it very difficult to get car insurance in the future.
- The most basic level of insurance, and a legal requirement
- Covers third parties, and their property. But not you, your property or your vehicle
- Despite being the lowest level of cover, it’s not always the cheapest
Car insurance, whatever your situation
If you need anything other than standard car insurance, we’ve got lots of different policies for you to pick from.
Telematics insurance policies use a black box or app that tracks your driving to calculate your insurance.
Insurance for new drivers
New and young drivers always pay more. But it doesn’t mean you can’t get insurance, or you can’t get a good deal.
Car insurance for over 50s
Having a wealth of driving experience means car insurance for over 50s is usually cheaper – and there are insurers that offer specialised insurance too.
Multi-car insurance can work out easier and cheaper if you’ve got more than one car to insure.
Business car insurance
If you use your car for work, you’ll need the right car insurance to be properly covered. There are three different classes of business use you’ll need to pick from.
Classic car cover
For additional cover – like spare parts, salvage retention and agreed value – protect your vintage with classic car insurance.
Short-term car insurance
If you only need to drive every now and again. or for less than a month, short-term car insurance could work out cheaper than being put on a policy.
Learner driver insurance
Learner drivers have a few options for getting covered before taking their test – whether that’s in your own car, or someone else’s.
Laid-up car insurance
You can still protect your car if you’ve declared it as off the road. Laid up insurance will cover you for fire and theft while it’s SORN.
Upgrades and additional cover
Some insurers will include them as standard, or you can pay extra to add them to your policy – think about which ones you really want or need before you buy.
This gets you and your car home or to the nearest garage if you break down. You can choose from three levels of cover – Roadside assistance, roadside assistance and recovery or roadside, recovery and home start. It’s usually cheaper to buy your breakdown cover separate from your car insurance though. Make sure you’re getting value for money by comparing it separately.
If your car’s damaged because of an accident, your insurer can provide a courtesy car to get you from A to B while it’s being repaired – you’ll have to use their approved repairer. Watch out for exclusions. If your car is stolen or written-off, you might not be offered a courtesy car.
For every year you drive claim-free, you’ll get a discount on your car insurance. It’s valuable and has such an impact on the price of your insurance that you can protect it. That way, if you need to claim, it won’t impact your discount. Some insurers protect it entirely, others only reduce it by a year or two – it varies.
Personal accident compensates you for injuries caused by a car accident. The claim limit varies between insurers, and other drivers and passengers are sometimes covered too. You’d only claim on personal accident cover if the accident is your fault. That’s because if an accident isn’t your fault, the at-fault person’s insurer will pay out for any personal injury claims.
If you’re involved in an accident, and it’s not your fault, legal assistance helps you claim from the person responsible. It’ll also help defending a claim brought against you. Generally, unless the insurer thinks you’ve got more than a 50% chance of success, they won’t cover the cost of legal fees. Claim limits also vary between insurers.
Covers the repair of chips and cracks to your car’s windscreen – sometimes it’s a free extra. It can also cover the replacement of your windscreen if it can’t be repaired, but you might have to pay a small excess.
If you lose your keys, or they get stolen, lost key cover can help cover the cost of replacing them. Getting high-tech keys replaced can easily run to hundreds of pounds these days, and that’s without your vehicle being stranded or needing a hire car in the meantime.
Insurance groups – cheaper car, cheaper insurance
Aside from you, and your driving history, the car you drive is one of the main things insurers consider when they work out how much your insurance is going to cost.
Every car’s in an insurance group ranging from one to 50. Engine size, acceleration, safety and the cost to replace parts all play a part in grouping them.
Generally speaking, the lower the group the cheaper it is to insure. Put simply, if you want cheaper insurance, a run-around hatchback is going to cost less than a premium brand SUV.
You can check your cars insurance group quickly and easily with us. Just tell us the make, model, and year and we’ll tell you what insurance group it’s in. Useful for new drivers, or if you’re thinking about getting a new car.
Frequently asked questions
How does my job affect my car insurance?
It might not seem fair, but your job title impacts your car insurance quotes – it’s all about risk. Don’t change your job title to try and reduce the price of your quotes though, unless the new title genuinely describes your job accurately. Always be honest – if you lie you could invalidate your cover.
How do I work out my car’s value?
Always give an honest valuation. A ballpark estimate’s okay because insurer’s usually pay out based on average market value.
When you get a quote, we’ll help you by estimating what your car’s worth based on its age and mileage – but you can change it if it doesn’t seem right.
How do I estimate my annual mileage?
This means the total mileage for the car, so you need to include miles for all drivers who use it.
You want to get this right – it makes a big difference to the price you’ll pay for your insurance. Overestimate your mileage and you’ll end up paying more. Underestimate and you could invalidate your policy.
If you’ve had your car for over a year and you drive in a pretty regular pattern, you can look at previous MOT certificates or service records to work it out
Use our annual mileage calcuator to help work it out. Use it as a base, then add a bit more if you need to for irregular journeys and extras, like long driving trips for holidays.
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Page last reviewed: 20 April 2020
Next review due: 20 June 2020
We looked at over 50 different insurance policies and compared the total cost of paying monthly to the cost of the single, annual payment.
On average, paying monthly adds 11.83% to the cost of car insurance. The average car insurance premium is £468 according to the ABI (Oct 19). £468 x 11.83% = £55.36 extra for paying monthly. There are currently 31.7m cars on the UK’s roads.
31% of people pay monthly for their car insurance. That’s 9.8m insurance policies. £55.36 x 9.827m =£544,022,720 for the total cost to UK drivers of paying monthly.
10% of customers were quoted annual car insurance premiums of £249.50 or less with Gocompare.com (01 Jan 2020 to 31 Mar 2020)