Cheap Car Insurance Quotes in London, England
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London, England Car Insurance Costs
Drivers in London pay a lot for car insurance, with the average cost of cheap comprehensive car insurance for our sample driver around £1,047. This is noticeably higher than the average cost of car insurance in England. Quotes really vary from company to company however, with companies like One Call, Insure Wiser and Tesco quoting cover for close to 2X as much as the cheapest car insurance companies, which included popular brands such as Churchill, Admiral and Hastings Essential (see the largest UK car insurance companies).
Comprehensive cover is often the best value. Our pricing analysis showed that Third Party Only cover costs 2X as much as Comprehensive cover in London—£2,082 on average for TPO cover vs. £1,047 for Comprehensive cover—making Comprehensive much better value for money in most cases.
London, England Car Insurance Brokers
Using an independent car insurance broker in London can be useful for drivers who have questions, want a more personal experience or who aren't comfortable buying a policy online. However, be sure to ask about their fees. Brokers often charge an arrangement fee and/or higher cancellation fees, which can increase the cost of car insurance. Here is a list of car insurance agents in London, all of which have been rated with at least 4.5 out of 5 stars by customers.
| London Car Insurance Brokers | Address | Phone Number |
|---|---|---|
| C.A.B. Insurance Services | 240 Sandycombe Rd, Kew, Richmond TW9 2EQ | 020 8948 8884 |
| Shene Insurance | 457 Upper Richmond Rd W, East Sheen, London SW14 7PR | 020 8878 7822 |
| Asset & Investment Management Ltd | 4 St John's Mews, 13 St John's Road Hampton Wick, Kingston upon Thames KT1 4AN | 020 8943 4343 |
| Surrey Independent Advisers Ltd | 154 Ewell Rd, Surbiton KT6 6HE | 020 8335 3388 |
| Stewart & Partners | 146a Bellegrove Rd, Welling DA16 3QR | 020 8304 2638 |
| Movo Insurance Brokers Ltd | 63-65 Cotmandene Cres, Orpington BR5 2RA | 020 3137 8020 |
| Anthony Jones Insurance Brokers | Albany House, 31 London Rd, Bromley BR1 1DG | 020 8290 4560 |
| Crossroads Insurance Services | 34 Beckenham Ln, Shortlands, Bromley BR2 0DQ | 020 8460 8700 |
| Morton Insurance Brokers Ltd | 671 Finchley Rd, Childs Hill, London NW2 2JP | 020 7435 9038 |
| Coops Insurance | 137 Church Hill Rd, Sutton SM3 8NE | 020 8641 3131 |
| Howgate Insurance Brokers Ltd | Grafton Rd, Worcester Park KT4 7QR | 020 8335 4209 |
| DCL Insurance | Nelson House, 19 West St, Carshalton SM5 2PT | 020 8669 4466 |
| Archer Insurance Services Ltd | 49 Trinity Rd, Tooting Bec, London SW17 7SD | 020 8682 4990 |
| Coversure Insurance Services | 140 Buckingham Palace Rd, Belgravia, London SW1W 9SA | 0800 308 1115 |
| Guildhall Insurance Brokers | 42 Orchard Rd, Highgate, London N6 5TR | 020 8446 6306 |
| Media Insurance Brokers Ltd | 20 Procter St, Holborn, London WC1V 6NX | 020 7287 5054 |
| Brunel Insurance Services Ltd | 74 Greenford Ave, Hanwell, London W7 3QS | 020 8579 1786 |
| Ace Brokers Ltd | 786 Harrow Rd, Sudbury, Wembley HA0 3EL | 020 3397 3931 |
| Andrews & Co Insurance Services | 38 Camberwell Church St, Camberwell, London SE5 8QZ | 020 7277 1717 |
| Fleets Insurance | Coppergate House, 16 Brune St, Spitalfields, London E1 7NJ | 0800 231 5129 |
| Headway Insurance Services Ltd | 317 Bethnal Green Rd, London E2 6AH | 020 7408 0888 |
| Manor Brokers | 2 Manor Rd, Ruislip HA4 7LB | 01895 678642 |
| MOTEST Hillingdon | Colham Green Rd, Hillingdon, Uxbridge UB8 3JY | 01895 444122 |
| Ellis David Ltd | 152-154 Essex Rd, Islington, London N1 8LY | 020 7354 3881 |
| Gold Insurance Services Ltd | 133b Stroud Green Rd, Stroud Green, London N4 3PX | 020 7561 1500 |
| Horner Blakey Insurance Brokers | 141-142 Fenchurch St, Langbourn, London EC3M 6BQ | 020 7929 0108 |
| ACN Insurance Brokers London | 54 Fenchurch St, Tower, London EC3M 3JY | 020 7265 3457 |
| Farmers Insurance | 199 Rush Green Rd, Romford RM7 0JR | 01708 753222 |
| Comfort Insurance | Goresbrook Rd, Dagenham RM9, UK | 020 8984 0777 |
| Coversure Insurance Services | 01st floor, Central House, 46 George St, Croydon CR0 1PB | 020 3489 0938 |
| Gallagher | 1 and 9, 4 Dingwall Road Floors, Croydon CR0 2LX | 0345 073 8495 |
| Artemis Insurance Brokers | Provident House, 13 Russell Hill Pl, Purley CR8 2LE | 020 8619 5000 |
| Michael Scott and Lau | 36 Sangley Rd, Catford, London SE6 2JH | 020 8698 7322 |
| Brownhill Insurance Group | 2nd Floor, 41 East St, Bromley BR1 1QQ | 020 8658 4334 |
| CC Flint Insurance | Crayfield House Crayfield Industrial Park, Orpington BR5 3HP | 020 8309 5000 |
| Warr's Harley-Davidson | 611 King's Rd, Fulham, London SW6 2EL | 020 7736 2934 |
| United Insurance Brokers Limited | 69 Mansell St, London E1 8AN | 020 7488 0551 |
| Get Indemnity | The Dock London, Tobacco Quay, Wapping Ln, London E1W 2SF | 0345 625 0711 |
| Forum Insurance | 181, Sai Maa House, Kenton Rd, Harrow HA3 0EY | 020 8909 2899 |
| Mr Carmax | 53-55 The Gardens, BEHIND THE TESCO EXPRESS, Harrow HA1 4HE | 020 3674 7100 |
| Ellis David Ltd | 152-154 Essex Rd, Islington, London N1 8LY | 020 7354 3881 |
| Herald Insurance Services Ltd | 250 E Barnet Rd, East Barnet, London, Barnet EN4 8TF | 020 8440 6692 |
| Scott Blain Ltd | 144-146 E Barnet Rd, East Barnet, London, Barnet EN4 8RD | 020 8275 0990 |
| Advance Insurance Services | 76 High St, Ponders End, Enfield EN3 4ER | 020 8805 3938 |
| Oak Insurance Services | 268 Willow Rd, Enfield EN1 3AR | 020 8367 5000 |
| Cubit Insurance South Branch | 23 Shrubbery Rd, Streatham, London SW16 2AS | 020 8696 5700 |
| Drewberry™ - How Financial Advice Should Be… | Millennium Bridge House, 2 Lambeth Hill, Queenhithe, London EC4V 4GG | 020 8432 7333 |
| Tollgate Insurance Brokers - Hoddesdon | 136A High St, Hoddesdon EN11 8HL | 01992 443786 |
| FM Global | The Leadenhall Bldg, 122 Leadenhall St, London EC3V 4AB | 020 7480 4000 |
| Berns Brett Insurance | The Old Court House, 191 High Rd, South Woodford, London E18 2QF | 020 8559 2111 |
| W B Baxter Ltd | 263 Cranbrook Rd, Ilford IG1 4TG | 020 8554 5500 |
London, England Vehicle Accident Rates
The rate of road traffic accidents in your local affects auto insurance quotes—the more likely drivers are to have a collision, the higher car insurance premiums. In London, there were 18,190 reported road traffic accidents that required police attendance in 2018—nearly 4,000 people were seriously injured and 111 were killed.
| London, England Car Theft and Accident Statistics | |
|---|---|
| London, England Population | 9,056,800 |
| Number of Cars | 2,672,927 |
| Number of Reported Car Accidents | 18,190 |
| Seriously Injured | 3,950 |
| Fatalities | 111 |
In London, driver error or reaction (e.g., failing to look or signal) was a contributing factor in 70% of reported accidents in 2018. More specifically, "failing to look properly" was a factor in 39% of car crashes in London. Being in a hurry/reckless was also a common car crash factor, contributing to 12% of reported accidents.
South West, England Vehicle Crime Rates
The rate of vehicle crimes in a local area also affects car insurance quotes—the higher the history of crime in your area, the more motor insurance underwriters will charge for protection against theft of your car or the contents (e.g., audio equipment, personal belongings, etc.). London has higher theft rates than any other region of England, with 15.3 vehicle crimes per 1,000 people in 2018—this is 66% higher than the average of 9.2 for all of England.
| Vehicle Crime Rates in London, England | Vehicle Crimes per 1,000 People |
|---|---|
| Kingston upon Thames | 9.1 |
| Merton | 10.3 |
| Sutton | 10.6 |
| Harrow | 12.0 |
| Havering | 12.2 |
| Lambeth | 12.5 |
| Richmond upon Thames | 12.8 |
| Croydon | 12.9 |
| Bexley | 13.6 |
| Southwark | 13.7 |
| Bromley | 13.7 |
| Wandsworth | 14.0 |
| Lewisham | 14.2 |
| Newham | 14.4 |
| Barking and Dagenham | 14.8 |
| Ealing | 14.9 |
| Islington | 15.3 |
| Tower Hamlets | 15.5 |
| Hackney | 15.9 |
| Camden | 16.6 |
| Hounslow | 16.7 |
| Hillingdon | 16.8 |
| Waltham Forest | 16.8 |
| Brent | 17.0 |
| Redbridge | 17.3 |
| Greenwich | 17.4 |
| Barnet | 18.1 |
| Enfield | 18.7 |
| Hammersmith and Fulham | 18.9 |
| Haringey | 20.3 |
| Kensington and Chelsea | 20.9 |
| Westminster | 23.5 |
| City of London | 26.8 |
| London Average | 15.3 |
| England Average | 9.2 |
What is considered "Vehicle Crime"? Vehicle crime essentially includes theft from a vehicle and theft of a vehicle. In general, theft from a vehicle is 5X more common than theft of a vehicle.
Cheap Car Insurance Quotes by Local Area
In general, car insurance prices tend to be higher than average in London. Even so, prices vary by neighborhood, with Islington, Redbridge, Brent, Newham and Barking and Dagenham costing around 2X as much for car insurance as Richmond, Kingston, Bexley, Bromley and Merton. See how your area compares below.
| Cheap Car Insurance Quotes in London | Postcode | Average of 5 Cheapest Quotes |
|---|---|---|
| Richmond upon Thames | TW10 | £792 |
| Kingston upon Thames | KT2 | £795 |
| Bexley | DA5 | £800 |
| Bromley | BR2 | £806 |
| Merton | SW19 | £823 |
| Sutton | SM1 | £852 |
| Wandsworth | SW18 | £853 |
| Greenwich | SE10 | £871 |
| Barnet | EN5 | £892 |
| Ealing | W13 | £898 |
| Southwark | SE22 | £899 |
| Hillingdon | HA4 | £912 |
| Islington | N1 | £920 |
| City of London | EC2R | £942 |
| Westminster | W1H | £954 |
| Havering | RM11 | £956 |
| Croydon | CR2 | £962 |
| Hammersmith and Fulham | W6 | £963 |
| Kensington and Chelsea | W10 | £1,031 |
| Lewisham | SE13 | £1,041 |
| Camden | NW1 | £1,064 |
| Tower Hamlets | E3 | £1,068 |
| Harrow | HA1 | £1,071 |
| Hackney | N16 | £1,113 |
| Barnet | N12 | £1,141 |
| Enfield | EN1 | £1,153 |
| Lambeth | SW2 | £1,189 |
| Hounslow | TW3 | £1,254 |
| Waltham Forest | E17 | £1,302 |
| Islington | N4 | £1,365 |
| Redbridge | IG4 | £1,409 |
| Brent | NW10 | £1,429 |
| Newham | E6 | £1,519 |
| Barking and Dagenham | IG11 | £1,570 |
| Average | £1,047 |
FAQs
Methodology
To determine average car insurance costs for areas across London, we gathered hundreds of quotes for a sample driver who is aged 35 years old and drives a 5-year-old Ford Fiesta. Unless otherwise noted, the driver has a good driving record with no history of accidents and 5 years of no claims bonus.
To compare prices across the region, we gathered quotes for 34 post codes across London. This allowed us to find the areas of London where drivers pay the least and the most for car insurance. We priced policies from over two dozen companies, including but not limited to:
- Hastings
- Admiral
- Churchill
- LV
- More Than
- Elephant
- RAC
- esure
- People's Choice
- Sainsbury's Bank
- Tesco Bank
Some brands don't offer cover in certain neighbourhoods, for instance where they have an experience of higher claims. Car insurance quotes vary drastically depending on factors like your car, your driving record and age, where you live, and even from day to day. Quotes for your profile could vary drastically from figures mentioned in this article; other brands may offer you a cheaper quote for your profile.
To determine rates of vehicle crime and car accidents in London, we analysed data from the Department for Transport and UK Crime Stats.
Cheap Car Insurance Quotes for London
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