Which Companies have Cheap Car Insurance?

It’s important to shop around for car insurance, since some companies are much more affordable than others. While no single insurance provider is the best or the cheapest for everyone, our analysis showed these auto insurance companies stand out for their customer reviews, features and prices. Read our research to help you get the most for your money.

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.

Cheap Car Insurance in Your Area

Quickly compare 99 UK insurance providers.

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To help you decide which car insurance company is best for you, we've analysed dozens of comprehensive car insurance plans from leading UK insurance providers. Choosing the best car insurance for your needs will depend on factors like price points and car insurance features that you might find valuable, such as breakdown, personal liability or replacement vehicle cover. We are not recommending any one plan in particular; please use the information in this study to help you narrow down your choices.

Best Cheap Car Insurance: Swinton

Consider this if you want low-cost car insurance and high customer ratings.

If your priority is paying a low premium on your car insurance, Swinton may be a solid option with car insurance starting from £177 a year, far below the average cost of car insurance in the UK. The high customer ratings of 8.2/10 from trustpilot and 4.4/5 from feefo are hard to beat. All 3 comprehensive plans (Essentials, Classic and Premier) include a courtesy car, audio equipment and windscreen cover as standard. Classic and Premier plans also include legal expenses, uninsured driver, driving abroad and personal belongings cover. If you prefer to discuss your needs in person or to discuss a claim, there are 45 Swinton branches in England, 7 in Scotland and 3 in Wales. Swinton has one of the higher workmanship guarantees, offering a 5-year guarantee if you use one of their approved repairers. If you opt to pay via direct debit, don't be surprised that a month before renewal they'll take a one-month deposit from your account—them taking this payment does not mean you've automatically renewed and you can confirm to them in time that you want to cancel and get the deposit back.

  • Top 2 comprehensive plans include courtesy car, audio equipment, windscreen, legal expenses, uninsured driver, driving abroad and personal belongings cover
  • High customer ratings
  • 55 local offices
  • Breakdown optional
  • 5-year workmanship guarantee
  • Policy renewal & changes: £25

Best Cheap Car Insurance: Hastings

Consider this if you want value-for-money from a popular car insurance company.

Voted Car Insurance Provider of the Year by the general public in 2018 as part of Moneyfacts' consumer awards, Hastings Direct is a decent option for those seeking a good value plan. In fact, Hastings is apparently one of the most switched-to car insurance companies in Britain. Comprehensive plans include a host of features like windscreen cover and 90 days EU travel, but you'll need to pay extra for breakdown cover.

  • Comprehensive Hastings Direct and Hastings Premier include: uninsured driver, courtesy car, personal belongings, in-car entertainment, windscreen, child seat and 90 days EU travel
  • Optional extras: breakdown cover (included on Premier), key cover, motor legal expenses (included on Premier), personal accident, substitute vehicle cover
  • 5-year workmanship guarantee
  • Policy renewal charge: £20

All-Around Top Car Insurance: LV=

Consider this if you want an overall customer-friendly car insurance company with a good website.

Liverpool Victoria is another solid car insurance company that consistently ranks in the top ten from the customer perspective. Their online quote process is quite smooth and customers rate the company well for an easy-to-use website and call center staff that are knowledgeable and friendly, though apparently some policyholders don't rate the company as highly when it comes time to claim. Expect to pay average prices for car insurance from LV=. One unusual feature is that comprehensive plans are covered for putting the wrong fuel in your car, although you may have to pay an Accidental Damage excess. And those planning a trip to Europe can benefit from getting the same cover in the EU as they have here in the UK for up to 180 days a year (many other companies limit EU cover to third party only).

  • 5-year workmanship guarantee
  • Accidental damange, uninsured driver, misfuelling and EU driving included under Comprehensive plans
  • Optional: breakdown cover, protected NCD, guaranteed hire care, motor legal expenses and increased personal accident
  • Policy renewal: n/a
  • Cancel fee: £40

Best Face-to-Face Car Insurance: NFU Mutual

Consider this if you want a top-notch car insurance company and are happy to call or go in to a branch for a quote.

NFU Mutual consistently tops the charts for best car insurance company in all sorts of independent customer surveys. NFU is especially suitable for those who want to communicate in person, as they sport 300 local offices scattered throughout the UK—particularly useful when dealing with a claim. Unfortunately for those looking to quickly buy a policy online, you need to call in or send a query to your local office to start the quote process—quite an unwieldy process to get a quote in this day and age. All post codes are not covered and don't expect to get the cheapest prices with NFU, either. If your priorities are price or a quick, online purchase system, you'll need to look elsewhere.

All types of plans include RAC breakdown cover, which usually costs extra on lower-level cover like Third Party and Third Party, Fire and Theft. Comprehensive policies also include legal protection, giving you access to legal advice and covering legal costs up to £100,000. If you own a new car and it's stolen or written off, NFU will replace the car if it's under 2 years old—a whole year longer than many other insurers. Those planning a trip to the continent can further benefit from the same level of cover while driving in most European countries.

  • Need to call or visit office to get a quote
  • 300 local UK offices
  • High customer ratings and reviews
  • Same EU cover
  • RAC breakdown on all policies
  • 3-year workmanship guarantee

Fast Claims Handling: Zurich

Consider this if you want a solid car insurance company with efficient claims handling.

Zurich is another solid car insurance company for call centre customer service and speed of claims handling, according to numerous customer surveys. Unfortunately, their website leaves a lot to be desired—when we recently tried to get a quote online for a Ford Fiesta, we filled out the entire application form only to then receive a message saying "Unable to provide a quote." Options like legal cover, hire car, breakdown, personal accident and key cover will cost extra. Prices are expected to run around average, providing decent value for money.

  • 3-year workmanship guarantee
  • Optional covers include legal cover, personal accident cover, excess protect cover, hire car cover, key care cover and RAC breakdown cover and protected no-claims discount
  • Policy renewal & changes: 10% or 12%

Car Insurance for Retirees and Older Drivers: Saga

Consider this if you are 50+ and want features beneficial for EU travel and aging drivers.

As a specialist to the over 50s, Saga car insurance is able to offer lower prices with comprehensive cover starting at just £172 a year. There are a few features standard on Saga's comprehensive plans which may come in particularly handy for those over 50. For those who are retired and planning a long European journey via car, Saga automatically provides the same cover as you receive in the UK when you or your named spouse/partner drive in the European Union, for an unlimited period of time. Emergency "any drive" cover means if a medical emergency interrupts your journey, any driver can take over the driving or take your car back home. And your No Claim Discount is protected against two claims in a three year period (this is included as standard if you've got four or more years' No Claim Discount entitlement, even if you've had a fault claim in the last three years). Comprehensive plans also include: get home cover (after an accident), replacement car (whilst yours is being repaired following an accident), uninsured driver and vandalism cover. As for windscreen damage, there's no excess to pay and your No Claim Discount will not be affected if you use one of their nationwide approved repairers.

  • 5-year workmanship guarantee
  • Comprehensive plans include: Protected NCD, get home cover (after an accident), replacement car (whilst yours is being repaired following an accident), uninsured driver, emergency "any drive" and vandalism
  • Optional: breakdown cover, motor legal expenses, increased personal accident, accident healthcare, replacement car extension
  • Renewel fee: £20
  • Cancel fee: £50
  • Change fee: £25

Live Chat and Good Offers: Co-op

Consider this if you want a top-notch car insurance company with interesting features like easy-to-use web chat and food vouchers for new customers.

Co-op, perhaps surprisingly, offers car insurance (as well as home, travel, pet, etc.) and does quite a good job at it. Prices are competitive and they frequently offer deals such as a £50 Co-op food voucher when new customers buy a car policy direct from Co-op insurance. Depending on your individual details (e.g, make, model and age of your car, your own age and driving history, etc.) this voucher can represent a meaningful discount on your car insurance premium. Included as standard are a NCD, courtesy car, 24-hour accident recovery and key replacement. You'll need to pay extra for breakdown cover, motor legal expenses and extended foreign use (you get 8 days covered as standard but can increase up to 180 days per year, 90 days per trip max, if you're planning a driving trip to Europe in the next year). We also like that Co-op offers a live chat feature on their website which can be handy for getting easy questions answered quickly, without having to call and wait in a queue for ages.

  • 3-year workmanship guarantee
  • Optional: breakdown cover, motor legal expenses and extended foreign use
  • Cancel fee: £50
  • Change fee: £15

Cheap Car Insurance in Your Area

Quickly compare 99 UK insurance providers.

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How To Pick a Good Car Insurance Plan

There is no one best car insurance company for all people. We wish there was! But the areas in which one company excels can vary widely from from another insurance company. For instance, one car insurance company might prioritize a slick, easy-to-navigate website for ease of buying and finding information, whilst another might specialize in person-to-person assistance via local offices. Similarly, some insurance companies will focus on providing a low-cost product, but may not include features like breakdown or legal expenses as standard, or may offer less beneficial terms (e.g., reduced, TPO-only EU cover, shorter repair workmanship guarantee, etc.). By learning about how products and terms can vary, you can pinpoint which features are most important to you.

Summary of Best Comprehensive UK Car Insurance Companies

Stands out for...Car Insurance Company
Low prices, local officesSwinton
Low prices, customer service awardsHastings
Overall product features and serviceLV=
Local branches, EU cover & breakdown includedNFU Mutual
Claims handlingZurich
Features for over 50s (unlimited EU travel, emergency "any drive" cover, etc.)Saga
Web chat, food vouchers, etc.Co-op

How Much is Car Insurance?

According to our analysis, the average cost of car insurance for the UK's most popular car, the Ford Fiesta, is just under £700 per year for a 45-year-old driver, but varies widely. How much will you pay for car insurance? It depends on a number of factors, including the insurance company, type of cover (TPO, TPFT or Comprehensive), details of your car (age, make, model, value, etc.), your age and driving record, etc. For more information on other vehicles, see our article on the Cost to Insure the UK's Most Popular Vehicles.

Average Comprehensive Car Insurance Cost for Ford Fiesta

AgeAverage Premium
25£1,036
35£832
45£692
55£600
65£687

If, like most people, you're looking to reduce your car insurance premium, be sure to read our article on Top Tips to Reduce Cost of Car Insurance. We also recommend getting many quotes before you buy, for instance through a comparison site like our partner QuoteZone.

Cheap Car Insurance in Your Area

Quickly compare 99 UK insurance providers.

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Methodology

In order to come up with a list of top picks for best and cheap UK car insurance, we scoured customer reviews from feefo, trustpilot and reviews.co.uk; customer surveys by Car Buyer, Auto Express and Car Wow; as well features and prices from the respective car insurance company websites.

Comments and Questions