Top 10 Best-Rated Cheap Car Insurance Companies UK

Find cheap quotes from 100+ car insurers.
Powered by QuoteZone.

  • Over 300,000 quotes completed per month
  • Rated 4.7 out of 5 stars on Reviews.co.uk
  • 51% of consumers could save up to £264 on their car insurance

Compare Quotes

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.

  • Admiral car insurance logo
  • Hastings car insurance logo
  • Swinton car insurance logo
  • Elephant car insurance logo
  • Bell car insurance logo
  • LV car insurance logo
  • Admiral car insurance logo
  • Hastings car insurance logo
  • Swinton car insurance logo
  • Elephant car insurance logo
  • Bell car insurance logo
  • LV car insurance logo
{"items":["\u003Cdiv class=\"ShortcodeImage--root \"\u003E\n \u003Cdiv class=\"ShortcodeImage--image-container\"\u003E\n \u003Cimg alt=\"Admiral car insurance logo\" class=\"ShortcodeImage--image\" src=\"https:\/\/res.cloudinary.com\/nimblefins\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/referral_logos\/uk\/insurance\/admiral-1\" srcset=\"https:\/\/res.cloudinary.com\/nimblefins\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/referral_logos\/uk\/insurance\/admiral-1 1x, https:\/\/res.cloudinary.com\/nimblefins\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_1600\/v1\/referral_logos\/uk\/insurance\/admiral-1 2x\"\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E","\n\u003Cdiv class=\"ShortcodeImage--root \"\u003E\n \u003Cdiv class=\"ShortcodeImage--image-container\"\u003E\n \u003Cimg alt=\"Hastings car insurance logo\" class=\"ShortcodeImage--image\" src=\"https:\/\/res.cloudinary.com\/nimblefins\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/referral_logos\/uk\/insurance\/hastingsdirect-1\" srcset=\"https:\/\/res.cloudinary.com\/nimblefins\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/referral_logos\/uk\/insurance\/hastingsdirect-1 1x, https:\/\/res.cloudinary.com\/nimblefins\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_1600\/v1\/referral_logos\/uk\/insurance\/hastingsdirect-1 2x\"\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E","\n\u003Cdiv class=\"ShortcodeImage--root \"\u003E\n \u003Cdiv class=\"ShortcodeImage--image-container\"\u003E\n \u003Cimg alt=\"Swinton car insurance logo\" class=\"ShortcodeImage--image\" src=\"https:\/\/res.cloudinary.com\/nimblefins\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/referral_logos\/uk\/insurance\/swinton-2\" srcset=\"https:\/\/res.cloudinary.com\/nimblefins\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/referral_logos\/uk\/insurance\/swinton-2 1x, https:\/\/res.cloudinary.com\/nimblefins\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_1600\/v1\/referral_logos\/uk\/insurance\/swinton-2 2x\"\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E","\n\u003Cdiv class=\"ShortcodeImage--root \"\u003E\n \u003Cdiv class=\"ShortcodeImage--image-container\"\u003E\n \u003Cimg alt=\"Elephant car insurance logo\" class=\"ShortcodeImage--image\" src=\"https:\/\/res.cloudinary.com\/nimblefins\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/referral_logos\/uk\/elephant-1\" srcset=\"https:\/\/res.cloudinary.com\/nimblefins\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/referral_logos\/uk\/elephant-1 1x, https:\/\/res.cloudinary.com\/nimblefins\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_1600\/v1\/referral_logos\/uk\/elephant-1 2x\"\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E","\n\u003Cdiv class=\"ShortcodeImage--root \"\u003E\n \u003Cdiv class=\"ShortcodeImage--image-container\"\u003E\n \u003Cimg alt=\"Bell car insurance logo\" class=\"ShortcodeImage--image\" src=\"https:\/\/res.cloudinary.com\/nimblefins\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/referral_logos\/uk\/bell-1\" srcset=\"https:\/\/res.cloudinary.com\/nimblefins\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/referral_logos\/uk\/bell-1 1x, https:\/\/res.cloudinary.com\/nimblefins\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_1600\/v1\/referral_logos\/uk\/bell-1 2x\"\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E","\n\u003Cdiv class=\"ShortcodeImage--root \"\u003E\n \u003Cdiv class=\"ShortcodeImage--image-container\"\u003E\n \u003Cimg alt=\"LV car insurance logo\" class=\"ShortcodeImage--image\" src=\"https:\/\/res.cloudinary.com\/nimblefins\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/referral_logos\/uk\/insurance\/lv-1\" srcset=\"https:\/\/res.cloudinary.com\/nimblefins\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/referral_logos\/uk\/insurance\/lv-1 1x, https:\/\/res.cloudinary.com\/nimblefins\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_1600\/v1\/referral_logos\/uk\/insurance\/lv-1 2x\"\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E"],"offsetPercentage":20}
Elephant car insurance logo
Bell car insurance logo
Admiral car insurance logo
Hastings Direct car insurance logo
Swinton car insurance logo
LV car insurance logo

Are you looking for relatively cheap car insurance—but still want decent customer service and features? Look through the information on this page so you’re aware of how some of the cheaper UK car insurance brands compare when it comes to ratings and reviews, and also to find some great ways to save.

We've analysed dozens of UK car insurance brands (most of which are underwritten by the top 10 largest car insurance companies) for price, then ranked the cheaper names by a combination of independent professional and customer ratings. While no single insurance provider is the cheapest or best for everyone, some auto insurance companies stand out for their combination of good customer reviews, features and cheap quotes. Here's what we found.

List of 10 Best-Rated Cheap UK Car Insurance Companies

RankMotor Insurance CompanyTrustpilot Customer RatingDefaqto RatingFairer Finance Score
1LV=4.75^63%
21st Central4.55 (3 for "Value")66%
3Churchill4.4562%
4Hastings4.45 (2 for "Essential")62%
5Swinton4.55 (3 for "Essential")58%
6Bell1.9564%
7Admiral3.9561%
8Elephant3.5560%
9QuoteMeHappy4.6462%
10Diamond3.4560%

^note: some LV= products sold by brokers have a lower Defaqto score, such as their "Clear" and "Highway" products. Also, their "Flow" month-to-month product is rated with 3 Defaqto stars.

Get Car Insurance Quotes Now

Quickly compare 100+ UK insurance providers.

{"applyCallToAction":"Get Quotes","defaultSelectedItem":"car","description":"Quickly compare 100+ UK insurance providers.","formType":"Insurance","onCurrent":true,"options":[{"label":"Car Insurance","url":"https:\/\/quote.nimblefins.co.uk\/car-insurance?id=76f4ecd6e1ca7c2f442633593566fdaa","value":"car"},{"label":"Home Insurance","url":"https:\/\/quote.nimblefins.co.uk\/home-insurance?id=76f4ecd6e1ca7c2f442633593566fdaa","value":"home"},{"label":"Motorbike Insurance","url":"https:\/\/quote.nimblefins.co.uk\/bike-insurance?id=76f4ecd6e1ca7c2f442633593566fdaa","value":"motorbike"},{"label":"Pet Insurance","url":"https:\/\/www.nimblefins.co.uk\/redirect?link=https%3A%2F%2Fwww.comparecover.com%2Fxml%2Faffiliate.cfm%3Faffiliate%3Dnimblefins%26affiliatenumber%3D223%26type%3Dpet","value":"pet"},{"label":"Travel Insurance","url":"https:\/\/www.nimblefins.co.uk\/redirect?link=https%3A%2F%2Fwww.comparecover.com%2Fxml%2Faffiliate.cfm%3Faffiliate%3Dnimblefins%26affiliatenumber%3D223%26type%3Dtravel","value":"travel"}],"title":"Get Car Insurance Quotes Now"}

How to Choose Car Insurance

While price is top of mind for most people when choosing car insurance, there are many other factors to keep in mind as well. We've written an in-depth page on the topic if you'd like to read more, but here is a quick recap:

  • Tier of cover (Comprehensive, TPFT or TPO). Comprehensive cover is the best, as it covers third party damage or injury (TPO); damage or loss of your car due to fire or theft (like TPFT); and damage to your car from an accident where you're at fault (only comprehensive policies cover this last bit).
  • The insurance company. Check online customer reviews with sites like Trustpilot and reviews.co.uk, as well as professional car insurance reviews with companies (like NimbleFins). When scouring customer reviews, look for mentions of the claims experience in particular. Also find out if their customer service operates online only or if they have a call centre (and what the hours of operation are).
  • The features you want, including add ons. Common add ons are breakdown cover, legal expenses, personal accident, key cover and enhanced courtesy car. (The 3 options for courtesy cars are none offered, a courtesy car while yours is being repaired after an accident and a courtesy car if you're is written off due to severe damage or stolen. You often have to buy an 'enhanced courtesy car' add on to get cover in the case of theft or a write off.)
  • Premium. Check prices with multiple comparison sites, brokers and/or direct insurers before making a decision. Each company has their own pricing model and appetite for risk, so some companies might be very unattractive for your risk profile. Choosing the right company means finding a company that is happy to take on your risks (e.g., you're a young or inexperienced driver, you've had an accident, you drive an expensive car, etc.).
  • Excess. Make sure you could afford to pay the excess if you need to make a claim. While opting for a higher excess can reduce your premium, take a good look at the figures because it's not always worth doing so (that is, sometimes you have to raise the excess quite a bit to get a meaningful discount on your car insurance premium).

Other High Quality Options

There are some excellent brands that didn't quite make the list due to price for our sample drivers, but nonetheless are usually competitively priced and offer a higher standard in terms of their product and customer service than some companies mentioned above. For example, Direct Line and Sainsbury's Bank missed the list due to price (just barely, in some cases) and both stand out for a high quality product and solid customer experiences with:

  • 5-star Defaqto rated products
  • A customer experience score from Fairer Finance of at least 62% and
  • Trustpilot score of at least 4 stars out of 5

When deciding which car insurance product to buy for yourself, use the metrics in the table above to get a sense of where the competition places, and check Defaqto, Trustpilot and Fairer Finance for yourself. Because price isn't everything.

Cheap Car Insurance in Your Area

Quickly compare 99 UK insurance providers.

{"applyCallToAction":"Get Quotes","defaultSelectedItem":"car","description":"Quickly compare 99 UK insurance providers.","formType":"Insurance","onCurrent":true,"options":[{"label":"Car Insurance","url":"https:\/\/quote.nimblefins.co.uk\/car-insurance?id=76f4ecd6e1ca7c2f442633593566fdaa","value":"car"},{"label":"Home Insurance","url":"https:\/\/quote.nimblefins.co.uk\/home-insurance?id=76f4ecd6e1ca7c2f442633593566fdaa","value":"home"},{"label":"Motorbike Insurance","url":"https:\/\/quote.nimblefins.co.uk\/bike-insurance?id=76f4ecd6e1ca7c2f442633593566fdaa","value":"motorbike"},{"label":"Pet Insurance","url":"https:\/\/www.nimblefins.co.uk\/redirect?link=https%3A%2F%2Fwww.comparecover.com%2Fxml%2Faffiliate.cfm%3Faffiliate%3Dnimblefins%26affiliatenumber%3D223%26type%3Dpet","value":"pet"},{"label":"Travel Insurance","url":"https:\/\/www.nimblefins.co.uk\/redirect?link=https%3A%2F%2Fwww.comparecover.com%2Fxml%2Faffiliate.cfm%3Faffiliate%3Dnimblefins%26affiliatenumber%3D223%26type%3Dtravel","value":"travel"}],"title":"Cheap Car Insurance in Your Area"}

Reviews of Top 10 Best, Cheap Car Insurance Companies

To be included in our list a brand has to have at least one 4 star Defaqto rated product and, according to our analysis of the UK car insurance market, consistently offer some of the cheaper car insurance quotes. We then ranked the car insurance brands according to a combination of ratings by Trustpilot, Defaqto and Fairer Finance. Here's what you should know about these companies before deciding which is best for you.

1. LV

Consider this if you would pay a bit more for a company with great customer reviews and a solid set of features.

While Liverpool Victoria is not the cheapest car insurance company compared to these others on the list, their customer service and ratings are arguably about the best of the group. LV= policies can be purchased direct from the company, through comparison sites or brokers. Existing customers have high renewal rates and LV has recently launched multi-car discounts. Plus apparently 10% of customers pay £205 or less (July - December 2020). Customer satisfaction is a stated priority of the company, which helps explain their high Trustpilot rating by customers.

Quick Takeaway: LV= is usually moderately priced, so those looking for the cheapest premium are likely to find a more suitable plan elsewhere. But LV is a solid choice for those looking for great customer reviews and good features who don't mind paying a bit more. If you are happy to pay for wider coverage then LV= offers some extras with their comprehensive cover such as personal injury, uninsured driver promise (you won't pay an excess or lose your NCD) and misfuelling cover. Get a quote direct from LV here.

  • Trustpilot customer rating: 4.7 out of 5 stars
  • Defaqto: 5 star

2. 1st Central

Consider this if you want a highly-rated smaller company and a choice of coverage options.

Around since 2008, 1st Central boasts solid customer and product reviews make 1st Central one to consider—they have the highest Fairer Finance Customer Experience Rating in the group. They are smaller than other big-name brands listed here, which might contribute to the great customer ratings. But with over 750,000 customers they're big enough to be a serious player.

They include a lot of features as standard, such as a free courtesy car when using their approved network for insured repairs and offer higher limits for lost keys and in-car entertainment than you might find elsewhere. They also include some hard-to-value features like not losing your No Claims Discount if you're hit by an uninsured driver and it's not your fault.

Quick Takeaway: Given the strong product and customer experience ratings, it's worth checking prices with 1st Central, which you can do with a comparison site like our partner QuoteZone to be sure (1st Central is in their panel). Or get a quote direct from 1st Central here.

  • Trustpilot customer rating: 4.5 out of 5 stars
  • Defaqto: 5 star (3 for Value)
  • Fairer Finance: 66%

3. Hastings

Consider this if you are willing to give up on some features in exchange for a lower premium.

Hastings Essential policies often pop up as one of the cheapest, if not the cheapest, car insurance quotes. The Essential policies are only rated 2 star by Defaqto for fewer features, however—for instance, windscreen cover is not included and cannot be added, however legal and breakdown can be added for an extra charge (roughly £20 and £35, respectively). Their Direct and Premier policies are not quite as cheap but have lower excesses and more features.

Quick Takeaway: If you're after very cheap car insurance then Hastings Essential might be one of your best options, but ultimately this depends on how their pricing models calculate the premium for your profile. It's usually best to compare prices with a comparison site like our partner QuoteZone to be sure. Or get a quote direct from Hastings here.

  • Trustpilot customer rating: 4.4 out of 5 stars
  • Defaqto: 5 star (2 for Essential)

4. Churchill

Consider this if you live in a lower-risk area and want a lower-cost option from the Direct Line Group.

Churchill is often the cheapest quote on offer at one of the major comparison sites (Moneysupermarket)—so while their customer service and ratings might be slightly lower than the top-ranked brand on our list (LV=), Churchill can be a solid option for those who prioritise price. Churchill policies can be purchased direct from the company or through many comparison sites (but not yet via our partner, QuoteZone). Churchill is one of the "budget" brands of the Direct Line Group. Direct Line is the second largest car insurance company in the UK, and 28.1% of their premiums are sold under the Churchill and Privilege brands via the price comparison website channel.

Quick Takeaway: Churchill is usually very competitively priced for the typical driver who doesn't have any significant marks on their record, and customers report pretty good service. However, in our tests Churchill wouldn't quote for around 30% of UK postcodes, so many people across the UK will have to look elsewhere. Get a quote direct from Churchill here.

  • Trustpilot customer rating: 4.4 out of 5 stars
  • Defaqto: 5 star

5. Swinton

Consider this if you are a high-risk driver needing specialist cover or want to choose from a few different levels of coverage and features.

Swinton offers policies underwritten by a range of insurers, and while they closed their last branch in 2019, they still have a customer-focused vibe. They've been helping customers find insurance for over 60 years—even those with convictions or those needing specialised cover. Swinton's Essential cover is their cheapest policy, and while it is lacking in some features it does include a few nice-to-haves for such a budget plan (e.g., a courtesy car during accident repairs and windscreen cover, but only up to £150).

Quick Takeaway: Swinton can be a great brand to consider if you need specialist cover and want to pay less. Swinton is perhaps the best option in this list for situations like high-risk drivers with a conviction, young drivers, modified cars, etc. Get a quote direct from Swinton here.

  • Trustpilot customer rating: 4.5 out of 5 stars
  • Defaqto: 5 star (2 for Essential)

6. Bell

Consider this if you would use a black box in order to save money on your car insurance.

Bell is an Admiral brand that can offer cheaper prices through the use of black box telematics policies to track safe driving. This black box policy is more attractive than some, because there's no curfew and no mileage limits, plus you typically only need the black box for six months. That said, some other black box providers have snazzier apps to communicate your driving reports.

Quick Takeaway: Bell can be a decent option for safe drivers who don't mind using a telematics black box for a period of time to get a lower price on their car insurance. Get a quote direct from Bell here.

  • Trustpilot customer rating: 1.9 out of 5 stars
  • Defaqto: 4 star

7. Admiral

Consider this if you want car insurance from the UK's largest car insurance company.

The Admiral Group is the largest auto insurance company in the UK with more than 15% of the car insurance market, underwriting policies through their Admiral, Bell, Diamond, elephant.co.uk and Gladiator brands. Technically speaking, Admiral is the trading name of EUI Limited.

In 2019 they grew the number of vehicles insured to 4.37 million, earning profits of over £590 million before taxes on £2.16 billion of motor insurance premiums written, making them the most popular car insurance company in the UK. One of Admiral's stated corporate goals is to increase customer retention, which is good to know if your policy is up for renewal. Admiral also writes the car insurance for Ford-branded car insurance.

Quick Takeaway: Admiral can be a great auto insurance company for anyone who wants to arrange a car insurance policy quickly online for a good price. Their brands can be found on most price comparison sites, such as our partner QuoteZone and one of their brands may be amongst the cheapest available offers. Or get a quote direct from Admiral here.

  • Trustpilot customer rating: 3.9 out of 5 stars
  • Defaqto: 5 star
  • Fairer Finance: 61%

8. Elephant

Consider this if you want a budget option from the UK's largest car insurer.

Elephant is an Admiral Group brand that is marketed as a budget option, with some features like personal belonging or key cover available as extra add ons. Premiums may be lower but there's no onward travel or accommodation after an accident and cancellation fees are on the high side.

Quick Takeaway: Elephant is typically one of the cheaper quotes you'll find and they report that 10% of reporting customers saved 25% with Elephant (July 2019 & December 2019). Get a quote direct from Elephant here.

  • Trustpilot customer rating: 3.5 out of 5 stars (up from 3.2 in 2020)
  • Defaqto: 5 star

9. Quotemehappy.com

Consider this if you a more affordable Aviva brand, and are willing to give up on customer call centres.

Quotemehappy is one of Aviva's cheaper car insurance brand. Despite the low price, drivers get a lot of nice features included in their policies, such as legal and windscreen cover. As an added bonus, customer rate their experience very highly at Trustpilot (although this reflects the sales process more than the claims process), despite the fact that this is an online brand with no call centre.

Quick Takeaway: Quotemehappy.com frequently returns one of the cheapest quotes for car insurance, but this will vary from person to person. Get a quote direct from Quotemehappy.com here.

  • Trustpilot customer rating: 4.6 out of 5 stars
  • Defaqto: 4 star

10. Diamond

Consider this if want to consider another lower-cost Admiral brand.

Diamond is another of the Admiral Group's brands. It's aimed at women and safe drivers. As with Elephant, there's no provision for accommodation or onward travel after an accident (although they will move your passengers away from the accident site if it’s not safe to the nearest point of local amenity) and cancellation fees are higher.

Quick Takeaway: Diamond is not just for women, although they do provide up to £300 for handbag cover. Diamond gets you a policy underwritten by the largest UK car insurance company and prices are typically very competitive if you're a safe driver—usually on par with Admiral quotes, not surprisingly. Get a quote direct from Diamond here.

  • Trustpilot customer rating: 3.4 out of 5 stars (up from 3.1 in 2020)
  • Defaqto: 5 star

We are not recommending any one brand in particular and these brands are certainly not guaranteed to give you a cheap price and you may find cheaper cover elsewhere. Please just use the information in this study to support you in learning about the market. Remember to shop around for car insurance, since some companies may be much more affordable than others for your profile. Choosing the best car insurance for your needs will depend on factors like price points and car insurance features you desire, such as breakdown, motor legal or courtesy car cover.

Where to Find Cheap Car Insurance

Cheap Car Insurance Quotes in Your Area

Quickly compare over 100 UK insurance providers.

{"applyCallToAction":"Get Quotes","defaultSelectedItem":"car","description":"Quickly compare over 100 UK insurance providers.","formType":"Insurance","onCurrent":true,"options":[{"label":"Car Insurance","url":"https:\/\/quote.nimblefins.co.uk\/car-insurance?id=76f4ecd6e1ca7c2f442633593566fdaa","value":"car"},{"label":"Home Insurance","url":"https:\/\/quote.nimblefins.co.uk\/home-insurance?id=76f4ecd6e1ca7c2f442633593566fdaa","value":"home"},{"label":"Motorbike Insurance","url":"https:\/\/quote.nimblefins.co.uk\/bike-insurance?id=76f4ecd6e1ca7c2f442633593566fdaa","value":"motorbike"},{"label":"Pet Insurance","url":"https:\/\/www.nimblefins.co.uk\/redirect?link=https%3A%2F%2Fwww.comparecover.com%2Fxml%2Faffiliate.cfm%3Faffiliate%3Dnimblefins%26affiliatenumber%3D223%26type%3Dpet","value":"pet"},{"label":"Travel Insurance","url":"https:\/\/www.nimblefins.co.uk\/redirect?link=https%3A%2F%2Fwww.comparecover.com%2Fxml%2Faffiliate.cfm%3Faffiliate%3Dnimblefins%26affiliatenumber%3D223%26type%3Dtravel","value":"travel"}],"title":"Cheap Car Insurance Quotes in Your Area"}

Finding a car insurance policy that fits in your budget can take a bit of legwork, but there are lots of tools available to help you out. For example, getting quotes from a comparison site (e.g., our car insurance partner QuoteZone) can give you access to dozens of quotes in just a few minutes, as opposed to checking prices with each brand individually. Also check out our top tips to save money on car cover.

If you have a specific car insurance company in mind (e.g., one of the top-rated brands in our list above), you can see which car insurance comparison quote systems include them in our article on Best Car Insurance Comparison Sites.

Those with an unusual situation such as a modified car or a poor driving history might have fewer options available to them. If you’re finding it difficult to get suitable car insurance, try contacting the British Insurance Brokers' Association. Their "Find a Broker" service can be reached at 0370 950 1790 or biba.org.uk.

When is the best time to find cheap car insurance?

Our recent study of car insurance premiums shows that you're likely to get the cheapest rates when buying around 3 weeks ahead of when you need a policy to start. The closer you get, the higher the premium is likely to be. In fact, it's common for motorists to pay at least 30% more for a policy when buying at the last minute.

What's the Best Car Insurance Comparison Site?

According to customer review sites Trustpilot and Reviews.co.uk, the best car insurance comparison site is QuoteZone. QuoteZone boasts scores of 4.6 out of 5 stars from Trustpilot and 4.8 out of 5 stars from Reviews.co.uk, which are higher overall than GoCompare, MoneySupermarket, Confused and Compare the Market.

The table below ranks the top car insurance comparison sites according to their customer ratings from Trustpilot and Reviews.co.uk—note that QuoteZone comes out on top. They are who we've chosen as our partner for car insurance comparison. Get quotes via the QuoteZone comparison panel here.

Best Car Insurance Comparison SitesTrustpilot ScoreReviews.co.uk RatingWeighted Average (based on the number of reviews)
1QuoteZone4.64.84.70
2Go Compare3.94.64.57
3Confused4.44.554.55
4Moneysupermarket4.53.984.48
5Compare the Market2.94.513.00

To see which car insurance companies are in each of the panels, read more in our article What's the best car insurance comparison site?

How To Pick a Cheap Car Insurance Company

Why is some car insurance cheaper than others? In the car insurance market, the cheaper brands are able to offer lower prices by reducing their operating costs or expenses using some of the following methods:

  • No customer service phone lines (webchat and/or email only)
  • Higher cancellation and administration fees
  • Fewer features included as standard
  • Requiring a telematics black box to track your driving style
  • Higher excess (the amount you pay towards a claim)

Some insurance companies will focus on providing a low-cost product by eliminating customer service call centres altogether, leaving you to contact customer service via webchat or email. Or they may not include features like breakdown, legal expenses or a courtesy car as standard. Others may offer less beneficial terms, such as no guarantee on repair workmanship or only providing Third Party cover if you drive to Europe. By learning about how products and terms can vary, you can pinpoint which features are most important to you.

What car insurance features are most important to you?

Before you sign on to the cheapest plan you can find, be sure to figure out which of these money-saving tactics are at work—and be sure you're happy with the situation. For example, if you prefer talking on the phone to fix any issues that arise or discuss questions you may have, then an online car insurance brand is probably not for you.

Cheap Car Insurance in Your Area

Quickly compare 99 UK insurance providers.

{"applyCallToAction":"Get Quotes","defaultSelectedItem":"car","description":"Quickly compare 99 UK insurance providers.","formType":"Insurance","onCurrent":true,"options":[{"label":"Car Insurance","url":"https:\/\/quote.nimblefins.co.uk\/car-insurance?id=76f4ecd6e1ca7c2f442633593566fdaa","value":"car"},{"label":"Home Insurance","url":"https:\/\/quote.nimblefins.co.uk\/home-insurance?id=76f4ecd6e1ca7c2f442633593566fdaa","value":"home"},{"label":"Motorbike Insurance","url":"https:\/\/quote.nimblefins.co.uk\/bike-insurance?id=76f4ecd6e1ca7c2f442633593566fdaa","value":"motorbike"},{"label":"Pet Insurance","url":"https:\/\/www.nimblefins.co.uk\/redirect?link=https%3A%2F%2Fwww.comparecover.com%2Fxml%2Faffiliate.cfm%3Faffiliate%3Dnimblefins%26affiliatenumber%3D223%26type%3Dpet","value":"pet"},{"label":"Travel Insurance","url":"https:\/\/www.nimblefins.co.uk\/redirect?link=https%3A%2F%2Fwww.comparecover.com%2Fxml%2Faffiliate.cfm%3Faffiliate%3Dnimblefins%26affiliatenumber%3D223%26type%3Dtravel","value":"travel"}],"title":"Cheap Car Insurance in Your Area"}

Who Gets the Cheapest Car Insurance?

Drivers around 55 years old typically get the cheapest car insurance, according to NimbleFins analysis. While the average cost of UK car insurance is around £500 per year, prices vary widely depending on many factors, including the insurance company, type of cover (TPO, TPFT or Comprehensive), details of your car (age, make, model, trim level, value, etc.), driving record—and your age.

For example, in the table and chart below see how cheap car insurance quotes change according to the age of the driver of a used Ford Fiesta. For more information on other popular vehicles, see our article on the Cost to Insure the UK's Most Popular Vehicles.

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

Cheap Car Insurance in Your Area

Quickly compare 99 UK insurance providers.

{"applyCallToAction":"Get Quotes","defaultSelectedItem":"car","description":"Quickly compare 99 UK insurance providers.","formType":"Insurance","onCurrent":true,"options":[{"label":"Car Insurance","url":"https:\/\/quote.nimblefins.co.uk\/car-insurance?id=76f4ecd6e1ca7c2f442633593566fdaa","value":"car"},{"label":"Home Insurance","url":"https:\/\/quote.nimblefins.co.uk\/home-insurance?id=76f4ecd6e1ca7c2f442633593566fdaa","value":"home"},{"label":"Motorbike Insurance","url":"https:\/\/quote.nimblefins.co.uk\/bike-insurance?id=76f4ecd6e1ca7c2f442633593566fdaa","value":"motorbike"},{"label":"Pet Insurance","url":"https:\/\/www.nimblefins.co.uk\/redirect?link=https%3A%2F%2Fwww.comparecover.com%2Fxml%2Faffiliate.cfm%3Faffiliate%3Dnimblefins%26affiliatenumber%3D223%26type%3Dpet","value":"pet"},{"label":"Travel Insurance","url":"https:\/\/www.nimblefins.co.uk\/redirect?link=https%3A%2F%2Fwww.comparecover.com%2Fxml%2Faffiliate.cfm%3Faffiliate%3Dnimblefins%26affiliatenumber%3D223%26type%3Dtravel","value":"travel"}],"title":"Cheap Car Insurance in Your Area"}

Car Insurance Reviews UK

Before choosing a car insurance company, it's a good idea to read about the pros and cons and what customers have to say. In addition to reviewing customer ratings at sites like Trustpilot and Reviews, you may want to read our in-depth comprehensive car insurance reviews. We continue to add to our library, but here are some car insurance companies we've reviewed so far that might offer cheaper quotes, listed in alphabetical order:

Car Insurance Reviews

{"items":["\u003Cdiv class=\"node-teaser teaser-review block row\" \u003E\n \u003Cdiv class=\"block teaser-review--image\" \u003E\n \u003Ca class=\"block\" href=\"\/admiral-insurance-review\"\u003E\n \u003Cimg src=\"https:\/\/res.cloudinary.com\/nimblefins\/image\/upload\/c_limit,dpr_1.0,f_auto,h_190,q_auto,w_190\/v1\/referral_logos\/uk\/insurance\/admiral-1\" alt=\"Admiral Image\" \/\u003E\n \u003C\/a\u003E\n \u003C\/div\u003E\n \u003Ch3 class=\"h4 teaser-review--label\"\u003E\n \u003Ca class=\"teaser-review--link\" href=\"\/admiral-insurance-review\"\u003EAdmiral\u003C\/a\u003E\n \u003C\/h3\u003E\n\u003C\/div\u003E","\n\u003Cdiv class=\"node-teaser teaser-review block row\" \u003E\n \u003Cdiv class=\"block teaser-review--image\" \u003E\n \u003Ca class=\"block\" href=\"\/aviva-car-insurance-review\"\u003E\n \u003Cimg src=\"https:\/\/res.cloudinary.com\/nimblefins\/image\/upload\/c_limit,dpr_1.0,f_auto,h_190,q_auto,w_190\/v1\/referral_logos\/uk\/insurance\/aviva-2\" alt=\"Aviva Image\" \/\u003E\n \u003C\/a\u003E\n \u003C\/div\u003E\n \u003Ch3 class=\"h4 teaser-review--label\"\u003E\n \u003Ca class=\"teaser-review--link\" href=\"\/aviva-car-insurance-review\"\u003EAviva\u003C\/a\u003E\n \u003C\/h3\u003E\n\u003C\/div\u003E","\n\u003Cdiv class=\"node-teaser teaser-review block row\" \u003E\n \u003Cdiv class=\"block teaser-review--image\" \u003E\n \u003Ca class=\"block\" href=\"\/largest-car-insurance-companies\/axa-car-insurance-review\"\u003E\n \u003Cimg src=\"https:\/\/res.cloudinary.com\/nimblefins\/image\/upload\/c_limit,dpr_1.0,f_auto,h_190,q_auto,w_190\/v1\/referral_logos\/uk\/insurance\/axa-3\" alt=\"AXA Image\" \/\u003E\n \u003C\/a\u003E\n \u003C\/div\u003E\n \u003Ch3 class=\"h4 teaser-review--label\"\u003E\n \u003Ca class=\"teaser-review--link\" href=\"\/largest-car-insurance-companies\/axa-car-insurance-review\"\u003EAXA\u003C\/a\u003E\n \u003C\/h3\u003E\n\u003C\/div\u003E","\n\u003Cdiv class=\"node-teaser teaser-review block row\" \u003E\n \u003Cdiv class=\"block teaser-review--image\" \u003E\n \u003Ca class=\"block\" href=\"\/bell-car-insurance-review\"\u003E\n \u003Cimg src=\"https:\/\/res.cloudinary.com\/nimblefins\/image\/upload\/c_limit,dpr_1.0,f_auto,h_190,q_auto,w_190\/v1\/referral_logos\/uk\/bell-1\" alt=\"Bell Image\" \/\u003E\n \u003C\/a\u003E\n \u003C\/div\u003E\n \u003Ch3 class=\"h4 teaser-review--label\"\u003E\n \u003Ca class=\"teaser-review--link\" href=\"\/bell-car-insurance-review\"\u003EBell\u003C\/a\u003E\n \u003C\/h3\u003E\n\u003C\/div\u003E","\n\u003Cdiv class=\"node-teaser teaser-review block row\" \u003E\n \u003Cdiv class=\"block teaser-review--image\" \u003E\n \u003Ca class=\"block\" href=\"\/by-miles-car-insurance-review\"\u003E\n \u003Cimg src=\"https:\/\/res.cloudinary.com\/nimblefins\/image\/upload\/c_limit,dpr_1.0,f_auto,h_190,q_auto,w_190\/v1\/referral_logos\/uk\/insurance\/bymiles-3\" alt=\"By Miles Image\" \/\u003E\n \u003C\/a\u003E\n \u003C\/div\u003E\n \u003Ch3 class=\"h4 teaser-review--label\"\u003E\n \u003Ca class=\"teaser-review--link\" href=\"\/by-miles-car-insurance-review\"\u003EBy Miles\u003C\/a\u003E\n \u003C\/h3\u003E\n\u003C\/div\u003E"],"offsetPercentage":20}
{"items":["\u003Cdiv class=\"node-teaser teaser-review block row\" \u003E\n \u003Cdiv class=\"block teaser-review--image\" \u003E\n \u003Ca class=\"block\" href=\"\/carrot-car-insurance-review\"\u003E\n \u003Cimg src=\"https:\/\/res.cloudinary.com\/nimblefins\/image\/upload\/c_limit,dpr_1.0,f_auto,h_190,q_auto,w_190\/v1\/referral_logos\/uk\/insurance\/carrot-2\" alt=\"Carrot Image\" \/\u003E\n \u003C\/a\u003E\n \u003C\/div\u003E\n \u003Ch3 class=\"h4 teaser-review--label\"\u003E\n \u003Ca class=\"teaser-review--link\" href=\"\/carrot-car-insurance-review\"\u003ECarrot\u003C\/a\u003E\n \u003C\/h3\u003E\n\u003C\/div\u003E","\n\u003Cdiv class=\"node-teaser teaser-review block row\" \u003E\n \u003Cdiv class=\"block teaser-review--image\" \u003E\n \u003Ca class=\"block\" href=\"\/churchill-car-insurance-review\"\u003E\n \u003Cimg src=\"https:\/\/res.cloudinary.com\/nimblefins\/image\/upload\/c_limit,dpr_1.0,f_auto,h_190,q_auto,w_190\/v1\/referral_logos\/uk\/insurance\/churchill-1\" alt=\"Churchill Image\" \/\u003E\n \u003C\/a\u003E\n \u003C\/div\u003E\n \u003Ch3 class=\"h4 teaser-review--label\"\u003E\n \u003Ca class=\"teaser-review--link\" href=\"\/churchill-car-insurance-review\"\u003EChurchill\u003C\/a\u003E\n \u003C\/h3\u003E\n\u003C\/div\u003E","\n\u003Cdiv class=\"node-teaser teaser-review block row\" \u003E\n \u003Cdiv class=\"block teaser-review--image\" \u003E\n \u003Ca class=\"block\" href=\"\/diamond-car-insurance-review\"\u003E\n \u003Cimg src=\"https:\/\/res.cloudinary.com\/nimblefins\/image\/upload\/c_limit,dpr_1.0,f_auto,h_190,q_auto,w_190\/v1\/referral_logos\/uk\/diamond-1\" alt=\"Diamond Image\" \/\u003E\n \u003C\/a\u003E\n \u003C\/div\u003E\n \u003Ch3 class=\"h4 teaser-review--label\"\u003E\n \u003Ca class=\"teaser-review--link\" href=\"\/diamond-car-insurance-review\"\u003EDiamond\u003C\/a\u003E\n \u003C\/h3\u003E\n\u003C\/div\u003E","\n\u003Cdiv class=\"node-teaser teaser-review block row\" \u003E\n \u003Cdiv class=\"block teaser-review--image\" \u003E\n \u003Ca class=\"block\" href=\"\/direct-line-car-insurance-review\"\u003E\n \u003Cimg src=\"https:\/\/res.cloudinary.com\/nimblefins\/image\/upload\/c_limit,dpr_1.0,f_auto,h_190,q_auto,w_190\/v1\/referral_logos\/uk\/insurance\/directline-1\" alt=\"Direct Line Image\" \/\u003E\n \u003C\/a\u003E\n \u003C\/div\u003E\n \u003Ch3 class=\"h4 teaser-review--label\"\u003E\n \u003Ca class=\"teaser-review--link\" href=\"\/direct-line-car-insurance-review\"\u003EDirect Line\u003C\/a\u003E\n \u003C\/h3\u003E\n\u003C\/div\u003E","\n\u003Cdiv class=\"node-teaser teaser-review block row\" \u003E\n \u003Cdiv class=\"block teaser-review--image\" \u003E\n \u003Ca class=\"block\" href=\"\/doddle-car-insurance-review\"\u003E\n \u003Cimg src=\"https:\/\/res.cloudinary.com\/nimblefins\/image\/upload\/c_limit,dpr_1.0,f_auto,h_190,q_auto,w_190\/v1\/referral_logos\/uk\/insurance\/doddle-2\" alt=\"Doddle Image\" \/\u003E\n \u003C\/a\u003E\n \u003C\/div\u003E\n \u003Ch3 class=\"h4 teaser-review--label\"\u003E\n \u003Ca class=\"teaser-review--link\" href=\"\/doddle-car-insurance-review\"\u003EDoddle\u003C\/a\u003E\n \u003C\/h3\u003E\n\u003C\/div\u003E"],"offsetPercentage":20}
{"items":["\u003Cdiv class=\"node-teaser teaser-review block row\" \u003E\n \u003Cdiv class=\"block teaser-review--image\" \u003E\n \u003Ca class=\"block\" href=\"\/elephant-car-insurance-review\"\u003E\n \u003Cimg src=\"https:\/\/res.cloudinary.com\/nimblefins\/image\/upload\/c_limit,dpr_1.0,f_auto,h_190,q_auto,w_190\/v1\/referral_logos\/uk\/elephant-1\" alt=\"Elephant Image\" \/\u003E\n \u003C\/a\u003E\n \u003C\/div\u003E\n \u003Ch3 class=\"h4 teaser-review--label\"\u003E\n \u003Ca class=\"teaser-review--link\" href=\"\/elephant-car-insurance-review\"\u003EElephant\u003C\/a\u003E\n \u003C\/h3\u003E\n\u003C\/div\u003E","\n\u003Cdiv class=\"node-teaser teaser-review block row\" \u003E\n \u003Cdiv class=\"block teaser-review--image\" \u003E\n \u003Ca class=\"block\" href=\"\/esure-car-insurance-review\"\u003E\n \u003Cimg src=\"https:\/\/res.cloudinary.com\/nimblefins\/image\/upload\/c_limit,dpr_1.0,f_auto,h_190,q_auto,w_190\/v1\/referral_logos\/uk\/insurance\/esure-1\" alt=\"Esure Image\" \/\u003E\n \u003C\/a\u003E\n \u003C\/div\u003E\n \u003Ch3 class=\"h4 teaser-review--label\"\u003E\n \u003Ca class=\"teaser-review--link\" href=\"\/esure-car-insurance-review\"\u003EEsure\u003C\/a\u003E\n \u003C\/h3\u003E\n\u003C\/div\u003E","\n\u003Cdiv class=\"node-teaser teaser-review block row\" \u003E\n \u003Cdiv class=\"block teaser-review--image\" \u003E\n \u003Ca class=\"block\" href=\"\/general-accident-car-insurance-review\"\u003E\n \u003Cimg src=\"https:\/\/res.cloudinary.com\/nimblefins\/image\/upload\/c_limit,dpr_1.0,f_auto,h_190,q_auto,w_190\/v1\/referral_logos\/uk\/generalaccident-1\" alt=\"General Acc. Image\" \/\u003E\n \u003C\/a\u003E\n \u003C\/div\u003E\n \u003Ch3 class=\"h4 teaser-review--label\"\u003E\n \u003Ca class=\"teaser-review--link\" href=\"\/general-accident-car-insurance-review\"\u003EGeneral Acc.\u003C\/a\u003E\n \u003C\/h3\u003E\n\u003C\/div\u003E","\n\u003Cdiv class=\"node-teaser teaser-review block row\" \u003E\n \u003Cdiv class=\"block teaser-review--image\" \u003E\n \u003Ca class=\"block\" href=\"\/geoffrey-car-insurance-review\"\u003E\n \u003Cimg src=\"https:\/\/res.cloudinary.com\/nimblefins\/image\/upload\/c_limit,dpr_1.0,f_auto,h_190,q_auto,w_190\/v1\/referral_logos\/uk\/insurance\/geoffrey-1\" alt=\"Geoffrey Image\" \/\u003E\n \u003C\/a\u003E\n \u003C\/div\u003E\n \u003Ch3 class=\"h4 teaser-review--label\"\u003E\n \u003Ca class=\"teaser-review--link\" href=\"\/geoffrey-car-insurance-review\"\u003EGeoffrey\u003C\/a\u003E\n \u003C\/h3\u003E\n\u003C\/div\u003E","\n\u003Cdiv class=\"node-teaser teaser-review block row\" \u003E\n \u003Cdiv class=\"block teaser-review--image\" \u003E\n \u003Ca class=\"block\" href=\"\/hastings-direct-insurance-review\"\u003E\n \u003Cimg src=\"https:\/\/res.cloudinary.com\/nimblefins\/image\/upload\/c_limit,dpr_1.0,f_auto,h_190,q_auto,w_190\/v1\/referral_logos\/uk\/insurance\/hastingsdirect-1\" alt=\"Hastings Image\" \/\u003E\n \u003C\/a\u003E\n \u003C\/div\u003E\n \u003Ch3 class=\"h4 teaser-review--label\"\u003E\n \u003Ca class=\"teaser-review--link\" href=\"\/hastings-direct-insurance-review\"\u003EHastings\u003C\/a\u003E\n \u003C\/h3\u003E\n\u003C\/div\u003E"],"offsetPercentage":20}
{"items":["\u003Cdiv class=\"node-teaser teaser-review block row\" \u003E\n \u003Cdiv class=\"block teaser-review--image\" \u003E\n \u003Ca class=\"block\" href=\"\/lv-car-insurance-review\"\u003E\n \u003Cimg src=\"https:\/\/res.cloudinary.com\/nimblefins\/image\/upload\/c_limit,dpr_1.0,f_auto,h_190,q_auto,w_190\/v1\/referral_logos\/uk\/insurance\/lv-1\" alt=\"LV= Image\" \/\u003E\n \u003C\/a\u003E\n \u003C\/div\u003E\n \u003Ch3 class=\"h4 teaser-review--label\"\u003E\n \u003Ca class=\"teaser-review--link\" href=\"\/lv-car-insurance-review\"\u003ELV=\u003C\/a\u003E\n \u003C\/h3\u003E\n\u003C\/div\u003E","\n\u003Cdiv class=\"node-teaser teaser-review block row\" \u003E\n \u003Cdiv class=\"block teaser-review--image\" \u003E\n \u003Ca class=\"block\" href=\"\/quotemehappy-com-car-insurance-review\"\u003E\n \u003Cimg src=\"https:\/\/res.cloudinary.com\/nimblefins\/image\/upload\/c_limit,dpr_1.0,f_auto,h_190,q_auto,w_190\/v1\/referral_logos\/uk\/insurance\/quotemehappy-1\" alt=\"QuoteMeHappy Image\" \/\u003E\n \u003C\/a\u003E\n \u003C\/div\u003E\n \u003Ch3 class=\"h4 teaser-review--label\"\u003E\n \u003Ca class=\"teaser-review--link\" href=\"\/quotemehappy-com-car-insurance-review\"\u003EQuoteMeHappy\u003C\/a\u003E\n \u003C\/h3\u003E\n\u003C\/div\u003E"],"offsetPercentage":20}

How to Save Money on Car Insurance

As we discuss in more detail in our article, 10 Ways to Save Money on Car Insurance, there are loads of ways to bring your rate down. The easiest tip is to get many cheap car insurance quotes before you buy, for instance through a comparison site like our car insurance partner QuoteZone.

  1. Type of Cover: If your car is very old and not worth much you might decide that a lower level of cover is sufficient for your needs, but generally speaking it's best to get comprehensive cover (and it usually doesn't cost that much more money anyway)
  2. Pick a car with a low insurance group rating: some cars cost 2X, 3X or more to insure versus other cars, so check a car's insurance group before buying (insurance groups are administered by Thatcham)
  3. Compare prices to get multiple quotes every year: head to a comparison site to make this easier
  4. Install a telematics black box tracker: especially for young drivers
  5. Increase the voluntary excess: as long as you're comfortable paying this excess if you claim
  6. Pay your premium upfront instead of monthly: paying monthly nearly always means you'll pay extra interest charges
  7. Don't automatically renew: generally speaking, insurance companies don't reward loyalty so be sure to check prices for a brand new policy from your current insurer—if it's less, negotiate
  8. Avoid business driving: Business use car insurance nearly always costs more than social, domestic, pleasure, and commuting driving
  9. Multi car insurance: If there's more than one vehicle in your household, you could save 15% or more with a multi-car policy. With some insurance providers you can even put different types of vehicle on one policy (e.g., a family fleet policy can cover cars, motorbikes, vans and more).
  10. Don't get in an accident: building up your no claims bonus can save you 50% or more
  11. Don't get extra cover you don't need: think carefully before you add extra add on features to decide if you really need them

Another way to save is to carefully choose your occupation, because car insurance companies factor in your job when calculating your risk profile and some professions are deemed riskier than others. You must be accurate and honest, but it's worth looking through this list of occupations to see which ones describe your job. Sometimes one job can be described in different ways, falling into more than one occupation category. Just remember to be honest, because if you're not then your insurer could declare your policy void in event of a claim leaving you uninsured—and driving without insurance is illegal.

The following list includes the occupations available at our car insurance partner QuoteZone, but other comparison sites or insurance providers might have slightly different lists of occupations to choose from.

Car insurance occupation list

  • Accountant
  • Accounts Manager
  • Administration Manager
  • Aircraft Engineer
  • Bank Clerk
  • Bricklayer
  • Bus Driver
  • Carpenter
  • Chef
  • Cleaner
  • Clerk
  • Computer Consultant
  • Computer Operator
  • Consultant
  • Delivery Driver
  • Electrical Engineer
  • Electronics Technician
  • Firefighter
  • Furniture Remover
  • HGV Driver
  • IT Consultant
  • Laboratory Technician
  • Local Government Officer
  • Machinist
  • Manager
  • Marketing Manager
  • Nurse
  • Office Manager
  • Personal Assistant
  • Postman
  • Production Hand
  • Receptionist
  • Sales Administrator
  • Sales Manager
  • Secretary
  • Shop Assistant
  • Social Worker
  • Solicitor
  • Supervisor
  • Teacher
  • Van Driver
  • Accounts Assistant
  • Administration Assistant
  • Administration Staff
  • Applications Programmer
  • Bank Manager
  • Builder
  • Buyer
  • Cashier
  • Civil Engineer
  • Clerical Assistant
  • Company Director
  • Computer Engineer
  • Computer Programmer
  • Courier
  • Design Engineer
  • Electrician
  • Engineer
  • Fitter
  • Graphic Designer
  • Hospital Doctor
  • IT Manager
  • Labourer
  • Lorry Driver
  • Maintenance Engineer
  • Managing Director
  • Mechanical Engineer
  • Nursery Nurse
  • Operations Manager
  • Plumber
  • Printer
  • Project Manager
  • Recruitment Consultant
  • Sales Assistant
  • Salesman
  • Security Guard
  • Shop Keeper
  • Software Engineer
  • Staff Nurse
  • Systems Analyst
  • Telecommunications Engineer
  • Warehouseman
  • Accounts Clerk
  • Administration Clerk
  • Administrator
  • Assistant Manager
  • Bank Staff
  • Builders Labourer
  • Care Assistant
  • Chartered Accountant
  • Civil Servant
  • Clerical Officer
  • Computer Analyst
  • Computer Manager
  • Computer Technician
  • Customer Advisor
  • Doctor
  • Electronic Engineer
  • Factory Worker
  • Fork Lift Truck Driver
  • Hairdresser
  • Insurance Consultant
  • Joiner
  • Lecturer
  • Machine Operator
  • Management Consultant
  • Manufacturing Technician
  • Motor Mechanic
  • Office Administrator
  • Painter And Decorator
  • Police Officer
  • Prison Officer
  • Proprietor
  • Research Scientist
  • Sales Executive
  • Secretary And PA
  • Security Officer
  • Shop Manager
  • Soldier
  • Storeman
  • Taxi Driver
  • Telesales Person
  • Welder

In addition to your occupation, you'll be asked for the industry you work in. Here's the list of car insurance occupations:

Car insurance industry list

  • Accountancy
  • Airline
  • Banking
  • Business Consultancy
  • Carpentry
  • Chemical Industry
  • Civil Engineering
  • Communications
  • Computers
  • Construction Industry
  • Delivery Service
  • Distribution
  • Education - Private
  • Electricity Industry
  • Employment Agency
  • Estate Agency
  • Finance Company
  • Food Production
  • Gardening
  • Graphic Design
  • Haulage Contractors
  • Health Care - Private
  • Hotel - Licensed
  • Insurance
  • Investment
  • Lawyers
  • Local Government Authority
  • Manufacturing
  • Motor Manufacture
  • Nursing Home
  • Pharmaceutical Supplier
  • Post Office
  • Prison Service
  • Publishing
  • Residential Home
  • Roofing Services
  • Security Services
  • Steel Industry
  • Technical College
  • Transport - Road
  • Water Industry
  • Advertising
  • Architecture
  • Builder
  • Business Training
  • Catering - Unlicensed
  • Chemical Manufacturer
  • Civil Service
  • Computer Sales
  • Computers - Hardware
  • Consulting Engineering
  • Dentistry
  • Double Glazing
  • Education - State
  • Electronics
  • Engineering
  • Farming
  • Financial Services
  • Furniture Remover
  • Gas Industry
  • Hairdressing
  • Health Authority
  • HM Forces
  • Housing Association
  • Insurance Broker
  • Joinery
  • Leisure Centre
  • Maintenance Services
  • Marketing
  • Motor Trade
  • Oil Company
  • Plastics Manufacture
  • Printer
  • Public House
  • Railway
  • Retailing
  • School
  • Social Services
  • Supermarket
  • Telecommunications
  • Travel And Tourism
  • Welding
  • Aerospace Industry
  • Bakery
  • Building Trade
  • Car Sales
  • Charity
  • Child Minding
  • Cleaning Services
  • Computer Services
  • Computers - Software
  • Courier Services
  • Design Consultancy
  • Education
  • Electrical Contractors
  • Emergency Services
  • Engineering Consultants
  • Fast Food
  • Food Manufacturer
  • Garage
  • Government - UK
  • Hardware Retailer
  • Health Care - NHS
  • Hospital
  • Information Technology
  • Insurance Company
  • Law and Order
  • Local Government
  • Management Consultancy
  • Motor Factor/Parts
  • Nursery
  • Painter And Decorator
  • Plumbing
  • Printing
  • Public Transport
  • Recruitment Agency
  • Road Haulage
  • Scientific Research
  • Solicitors
  • Taxi Service
  • Textile Manufacturer
  • University
  • Wholesaler

FAQs

While there is no cheapest car insurance company for everyone, there are some brands which tend to offer lower prices than their competitors including LV=, Hastings, Churchill, Admiral, Elephant, Quotemehappy, Swinton, Diamond, esure and Bell. To see how these companies compare in terms of customer service, customer ratings and features, see our comparison here.

Among the more affordable car insurance brands in the market, LV= ranked as the best rated in our study of the best cheap car insurance brands, due to strong customer reviews (TrustPilot score of 4.7), a 5-star Defaqto rating and a solid Fairer Finance score of 63% (although this has dropped from 65% in 2020).

In our experience, there is no one cheapest car insurance comparison site for all people, so it's a good idea to compare prices at a few sites before you buy. Get started with quotes from our car insurance comparison site partner QuoteZone to see if they have the cheapest deal for you.

Your insurance provider or broker should deliver the certificate of motor insurance to you within 4 days. They will either email it to you or make it available via a customer portal on their website. (They won't post it to you unless you ask, and there might be a charge for receiving it this way.)

Car insurance companies earn an average profit margin of 16%, which means 84% of the money they earn from revenue sources like premiums, add ons and premium finance is used in running the business and paying out on insurance claims. The other 16% is profit.

It depends on the number of points and seriousness of the offences. Comparison sites and popular car insurance companies can be a good place to start if you have a minor offence and just a handful of points. However, if you have more points or a more serious offence (e.g. drink driving) then you might need to engage the services of a specialist broker. Read more about convicted driving insurance here.

How Much Do Car Insurance Companies Earn?

In the UK, car insurance companies earn an average profit margin of 16% a year. This means that for every £100 of revenues, the company makes £16 of profit and has costs of £84. These figures reflect an average across all policies—money-making policies (e.g., with no claims or small claims) and money-losing policies (e.g., policies with large claims). Interestingly, the core underwriting businesses tend to be money losers. Insurers turn a profit thanks to selling add-ons like breakdown cover, charging fees and selling premium finance (lending policyholders money to enable monthly payments).

Which Do You Think is Best?

We'd love to know what our readers think of these companies. If you've had a good experience with any of these companies, please let us know! You can select up to three companies from the list, or tell us about another cheap car insurance company that you like. Please vote!

Or the worst? If you've had a negative experience with any of these brands, click below and/or tell us about it in the comments section at the bottom of the page.

Methodology

In order to come up with a list of top picks for best and cheap UK car insurance, we first scoured prices from a number of comparison sites to find companies that were consistently among the cheapest for our sample profile. Then we ranked companies on their TrustPilot or Reviews.io customer ratings, Defaqto scores and Fairer Finance scores to find which ones are best in terms of features and customer service.

Erin Yurday

Erin Yurday is the CEO, Co-founder and Editor of NimbleFins. Prior to NimbleFins, she worked as an investment professional and as the finance expert in Stanford University's Graduate School of Business case writing team. Read more on LinkedIn.

Comments