Which Companies have Cheap Car Insurance?

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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.

While no single insurance provider is the cheapest for everyone, our analysis showed that some auto insurance companies stand out for the best combination of customer reviews, features and prices. If paying a low premium is a priority for you, read our research to help you get the most for your money.

We are not recommending any one brand in particular; 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.

Top Cheapest Car Insurance Companies

We've assembled a list of reputable, cheap car insurance brands by analysing dozens of comprehensive cover plans, many of which are underwritten by the top 10 car insurance companies. To make our list, we focused on brands offering low prices, good customer service reviews and certain "must have" features.

The brands in our list have at least a 4 star defaqto rating and typically offer some of the more affordable car insurance—keep in mind, however, that these brands are certainly not guaranteed to give you a cheap price and you may find cheaper cover elsewhere. In the table below we're ranked the brands by customer service ratings according to Trustpilot.

What is the Cheapest Car Insurance Company in the UK?

BrandTrustpilot Customer RatingDefaqto RatingNotes
Quotemehappy4.64An Aviva brand; only 4 defaqto stars for features, but the best customer service ratings here
Churchill4.35Part of the Direct Line Group; great customer reviews
Hastings4.25Essential cover is the cheapest Hastings offering, but is lacking some features
More Than4.15 (3 for Smart Wheels)Underwritten by Royal & Sun Alliance (RSA); good customer reviews
Direct Line45Direct Line Group is the second largest UK car insurance company; solid customer reviews but higher rate of customer complaints
Admiral3.95The largest UK car insurance company; solid customer reviews
esure3.95While not the cheapest, you might find their features and customer ratings are worth paying a bit more; solid customer reviews; very few complaints
Elephant3.55Part of the Admiral Group; good customer reviews
Diamond3.45Part of the Admiral Group; marketed at women but open to men, too; decent customer reviews
General Accident2.54Another Aviva brand;
Bell2.15Telematics black box cover; part of the Admiral Group; poor customer reviews
People's Choice1.95A Hastings brand; poor customer service ratings
Insure Pink1.75Another Hastings brand; donates money to the Pink Ribbon Foundation; poor customer reviews

Cheap Car Insurance in Your Area

Quickly compare 99 UK insurance providers.

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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

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.

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.

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.

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.

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How Much is Car Insurance?

According to our analysis, the average cost of car insurance is around £500 per year, but prices vary widely. The cost of your car cover will depend 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.), your age and driving record, etc.

In the table and chart below you can see how much the driver of a Ford Fiesta would pay, depending on their age. 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.

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Car Insurance Company 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 is the list of car insurance companies we've reviewed so far, listed in alphabetical order:

Car Insurance Reviews

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alt=\"Acorn 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=\"\/acorn-car-insurance-review\"\u003EAcorn\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","\n\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=\"\/devitt-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\/devitt-1\" alt=\"Devitt 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=\"\/devitt-insurance-review\"\u003EDevitt\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 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\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. 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teaser-review--image\" \u003E\n \u003Ca class=\"block\" href=\"\/go-girl-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\/gogirl-1\" alt=\"Go Girl 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=\"\/go-girl-car-insurance-review\"\u003EGo Girl\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","\n\u003Cdiv class=\"node-teaser teaser-review block row\" \u003E\n \u003Cdiv class=\"block teaser-review--image\" \u003E\n \u003Ca class=\"block\" href=\"\/hedgehog-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\/hedgehog-1\" alt=\"Hedgehog 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=\"\/hedgehog-car-insurance-review\"\u003EHedgehog\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=\"\/hughes-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\/hughes-1\" alt=\"Hughes 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=\"\/hughes-car-insurance-review\"\u003EHughes\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=\"\/igo4-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\/iGO4-1\" alt=\"iGo4 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=\"\/igo4-car-insurance-review\"\u003EiGo4\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=\"\/ingenie-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\/ingenie-1\" alt=\"Ingenie 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=\"\/ingenie-car-insurance-review\"\u003EIngenie\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=\"\/insure-pink-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\/insurepink-2\" alt=\"Insure Pink 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=\"\/insure-pink-car-insurance-review\"\u003EInsure Pink\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=\"\/lexham-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\/lexhaminsurance-1\" alt=\"Lexham 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=\"\/lexham-insurance-review\"\u003ELexham\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=\"\/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=\"\/mce-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\/mce-bsb-1\" alt=\"MCE 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=\"\/mce-insurance-review\"\u003EMCE\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=\"\/mypolicy-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\/mypolicy-1\" alt=\"My Policy 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=\"\/mypolicy-car-insurance-review\"\u003EMy Policy\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=\"\/o2-drive-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\/o2-1\" alt=\"O2 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=\"\/o2-drive-car-insurance-review\"\u003EO2\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=\"\/one-call-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\/onecall-1\" alt=\"One Call 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=\"\/one-call-car-insurance-review\"\u003EOne Call\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","\n\u003Cdiv class=\"node-teaser teaser-review block row\" \u003E\n \u003Cdiv class=\"block teaser-review--image\" \u003E\n \u003Ca class=\"block\" href=\"\/sainsburys-bank-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\/sainsburys-1\" alt=\"Sainsbury's 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=\"\/sainsburys-bank-car-insurance-review\"\u003ESainsbury's\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=\"\/sheilas-wheels-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\/sheilaswheels-1\" alt=\"Sheilas' 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=\"\/sheilas-wheels-car-insurance-review\"\u003ESheilas'\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=\"\/swiftcover-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\/sterling-1\" alt=\"Sterling 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=\"\/swiftcover-car-insurance-review\"\u003ESterling\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=\"\/one-call-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\/swiftcover-1\" alt=\"Swiftcover 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=\"\/one-call-car-insurance-review\"\u003ESwiftcover\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=\"\/tesco-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\/tescobank-1\" alt=\"Tesco 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=\"\/tesco-car-insurance-review\"\u003ETesco\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=\"\/vavista-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\/vavista-2\" alt=\"Vavista 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=\"\/vavista-car-insurance-review\"\u003EVavista\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
  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: cars used for business might be subject to a higher premium
  9. Don't get in an accident: building up your no claims bonus can save you 50% or more
  10. 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

Methodology

In order to come up with a list of top picks for best and cheap UK car insurance, we scoured customer reviews from trustpilot and reviews.co.uk, features from the respective car insurance company websites and prices from a number of comparison sites.

Erin Yurday

Erin Yurday is the CEO of NimbleFins. Prior to founding NimbleFins, she worked as an investment professional at TD Securities and a risk arbitrage hedge fund, and later as the finance expert in the case writing team at Stanford University's Graduate School of Business.

Comments and Questions