The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.

Average Cost of UK Car Insurance 2019

Cheap Car Insurance in Your Area

Quickly compare over 100 UK insurance providers.

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The average cost of cheap car insurance is around £500 a year—for a Ford Fiesta driven by a 50-year-old. Here's how your premium may differ depending on factors like the type of car you drive and your age. We researched UK comprehensive car cover from some of the largest car insurance companies to find the average cost of cheap motor cover across driver ages for the 5 most popular car models: Ford Focus, Ford Fiesta, VW Golf, Nissan Qashai and Mercedes Benz A Class. Use this information to help spot a good deal.

Table of Contents

Average Car Insurance Costs by Age

To see how driver age impacts the cost of comprehensive car insurance, we gathered quotes for the UK's most popular car, a Ford Fiesta, across a range of ages. Rates typically drop throughout adulthood until around 60 years of age. In our study, premiums dropped 45% between the ages of 20 and 55, then rose again by 60% from age 55 to 75. Prices are higher for younger and older drivers because insurance companies perceive a higher risk of road traffic accidents amongst these age groups.

Average Cost of Cheap Comprehensive Car Insurance, by Driver Age
20 Years£851
25 Years£719
35 Years£639
45 Years£575
55 Years£468
65 Years£491
75 Years£752
chart showing how car insurance quotes depend on age
How Car Insurance Prices Change with Driver Age

For information on the cost of auto insurance for very young drivers by city, please see our article Average Cost of Car Insurance for Young Drivers.

Average Car Insurance Cost for Drivers in their 20s

In general, younger drivers will pay more for insurance than more experienced drivers. We found that drivers aged 20 were charged an average quote of around £850; those just 5 years older would pay 15% less, or £720, for cover. Higher premiums are theoretically justified because younger drivers are statistically more likely to have an accident. Younger drivers not only have less experience but they're known to engage in riskier driving behavior, and therefore present a higher risk to insurance companies.

Cost of Car Insurance Increases For Drivers in their 60s

While car insurance premiums decrease substantially for both male and female drivers in their 30s, 40s and 50s, our research showed that insurance premiums begin to trend upwards for drivers in their 60s. This is because insurers think drivers will become more accident-prone as they age. In fact, from age 65 to 75 we found that a driver can expect their premiums to rise by around 50%.

Average Car Insurance Costs by Car Make and Model

Not surprisingly, we found that the cost of car insurance increases with the make, model and trim level of a car, as well as the underlying value of the car. This makes sense since a more expensive car requires a larger payout by the insurer in case of theft, and typically costs more to repair in case of damage. For example, a 45-year-old driver would pay around £575 to insure a £12,000 Ford Fiesta, or £812 to insure a £33,000 Mercedes Benz A Class 220.

CarAverage Cheap Car Insurance Premium
Ford Fiesta£575
Ford Focus£623
Nissan Qashqai£634
Volkswagen Golf£658
Mercedes Benz A Class 220£812
Cost of car insurance for Ford Fiesta, Ford Focus, VW Golf, Nissan Qashqai and Mercedes Benz A Class
Generally speaking, expensive cars cost more to insure

Keep in mind that the higher your annual mileage, the more you'll pay for car insurance. For more information on getting the most for your money, see our article on top car insurance companies. You can also read about how to save money on car insurance with our top tips.

Anyone considering buying a motorcycle instead of a car might be interested in learning about the average cost of motorcycle insurance, which starts around £340 per year for the ever-popular Honda PCX.

Methodology

To determine the average cost of car insurance for UK consumers, we first collected quotes from our car insurance partner QuoteZone. To get an idea of the true cost of a "cheap" policy, that is, how much someone might need to pay to secure cover, we averaged the 5 cheapest quotes to reflect costs for a range of policies at the low end of prices.

In order to standardize our results, we made certain assumptions about the type of plan and level of coverage sought by the average consumer. This study assumes standard comprehensive coverage and excludes optional features, like protection for a no claims bonus.

Another way we standardized our results was by holding all driver profile variables constant, except for age and make/model of car as explained above. The driver is an unmarried male who owns a 2019 model car and has been driving since 18 years of age, hasn't filed any claims, has accumulated up to 5 years of NCD (No Claims Discount), drives 5,000 miles per year and parks in a private driveway. He works indoors as a professional.

Cheap Car Insurance in Your Area

Quickly compare over 15 UK insurance providers.

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Comments and Questions

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.