Cheap Car Insurance Quotes in the North West

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  • RAC car insurance logo
  • Admiral car insurance logo
  • Hastings car insurance logo
  • Swinton car insurance logo
  • Elephant car insurance logo
  • Axa car insurance logo
  • RAC car insurance logo
  • Admiral car insurance logo
  • Hastings car insurance logo
  • Swinton car insurance logo
  • Elephant car insurance logo
  • Axa car insurance logo
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Cheap Car Insurance Quotes for the North West, England

Compare up to 100+ UK car insurance brands in under 2 minutes.

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North West England Car Insurance Costs

Car insurance prices vary depending on where you live, but prices are higher than average in many areas of the North West—the average cheap comprehensive policies were quoted at £817 in the North West (a bit higher than the average cost of car insurance across the UK for our sample driver). There was a huge difference in car insurance costs from company to company, however, with companies like Sainsbury's, Once Call and Tesco costing more than 2X as much as the cheapest car insurance companies, including popular brands such as Admiral, Hastings and Churchill—but these sample prices are just a rough indication of what you might find in the market.

Chart comparing cheap car insurance companies in the North West of England

Comprehensive cover is often good value for money. You would think that Comprehensive cover is the most expensive type of car insurance, since it is the "best" cover. However, we found that in the North West Third Party Only cover costs 2X as much as Comprehensive cover—£2,120 on average for TPO cover vs. £670 for Comprehensive cover.

North West England Car Insurance Brokers

North West drivers who aren't comfortable buying a policy online might find an independent broker to be a useful resource. However, you may pay an arrangement fee or higher cancellation fees when using a broker, so be sure to ask about these costs. Below, we've compiled a list of car insurance agents in North West, England that are all rated at least 4 out of 5 stars by customers.

BrokerAddressPhone Number
Fogartys Insurance Services Limited384 Preston Old Rd, Blackburn BB2 5LL01254 723088
Riding Insurance Services72 Darwen St, Blackburn BB2 2BL01254 683366
Rhodium Insurance Brokers91 Montague St, Blackburn BB2 1EH0800 368 9991
JK Insurance Services210 Audley Range, Blackburn BB1 1TG01254 366255
David J Miller Insurance Brokers Ltd339 Union Rd, Oswaldtwistle, Accrington BB5 3HS01254 231332
Impact Insurance625 Chorley Old Rd, Bolton BL1 6BJ01204 848481
Sagar InsurancesShuttleworth Mead, Group First House 12A Mead Way,, Blackburn Rd, Padiham, Burnley BB12 7NG01282 858250
Ascott Insurance Brokers227 Elliott St, Tyldesley, Manchester M29 8DG01942 888888
Norwest Insurance Brokers Ltd181 Dickenson Rd, Longsight, Manchester M13 0YN0161 225 9200
Bridge Insurance Brokers LtdHouse 14, Cobac, 16 Charlotte St, Manchester M1 4FL0161 236 6969
Marsh CommercialKabel House, 15 Quay St, Manchester M3 3HN0161 228 0444
J & A Brokers LtdTrafford House, Chester Rd, Stretford M32 0RS0161 872 9886
Beresford Insurance Brokers81 Manchester Rd, Denton, Manchester M34 2AF0161 336 6551
ISRA Insurance315 Dickenson Rd, Longsight, Manchester M13 0NR0161 224 0222
Simple Insurance Solutions875 Stockport Rd, Manchester M19 3PW0161 241 5122
Aston LarkParsonage Chambers, 3 Parsonage, Manchester M3 2HW0161 834 1884
ClearCo Insurance103 Reddish Ln, Gorton, Denton, Manchester M34 2NF0161 637 6336
Bollington Insurance Brokers Limitedclipper house, Chester Rd, Stretford, Sale, Manchester M32 8AF01625 854300
Stephenson & Threader Insurances82 Manchester Rd, Droylsden, Manchester M43 6PE0161 370 5400
Wrightsure Insurance Broker Liverpool11-12 Hurricane Dr, Speke, Liverpool L24 8RL0151 494 0007
ICUK Insurance330 Upper Parliament St, Liverpool L8 7QL0151 709 4888
F Wilson Insurance LtdWilson Rd, Liverpool L36 6AW0151 480 6000
Novo InsuranceBuilding 12, Princes Parade, Liverpool L3 1DL0333 772 9779
B P Insurance BrokersShadow House, 164-166 Victoria Rd W, Thornton-Cleveleys FY5 3NE01253 863636
Ashgrove Insurance Services Limited1-3 Fletcher St, Ashton-under-Lyne OL6 6BY0161 330 2486
Country and Commercial Insurance Brokers (CCIB) Ltd66 Derby Rd, Longridge, Preston PR3 3FE01772 780600
James Trickett & Son Insurance Ltd T/A Tricketts Insurance Brokers13 Bank St, Rossendale BB4 6QS01706 212231
West Craven Insurance Services Limited51 Victoria Rd, Earby, Barnoldswick BB18 6UN01282 817277
Lifestyle Insurance BrokersMeridian House, Pepper Road, Bramhall, Stockport SK7 5BW0161 641 3229
Integro Insurance Brokers LtdCentury House, Pepper Rd, Hazel Grove, Stockport SK7 5BW0161 419 3000
Hine Chartered Insurance Brokers79-81 School Ln, Manchester M20 6WN0161 438 0000
Adelphi InsuranceLondon Rd S, Poynton, Stockport SK12 1LQ01625 562389
A-Plan Insurance9-11, Rex Buildings, Alderley Rd, Wilmslow SK9 1NZ01625 467080

North West England Vehicle Accident Rates

The rate of road traffic accidents in an area—there were 9,240 collisions in the North West in 2018—impacts auto insurance prices. Higher levels of crashes result in more claims, which pushes up premiums.

North West England Car Theft and Accident Statistics
North West, England Population7,306,900
Number of Cars3,323,362
Number of Reported Car Accidents9,240
Seriously Injured2554
Fatalities194

The biggest cause of car accidents in the North West is a driver error or reaction—this is a factor in a whopping 67% of road traffic accidents—failing to look properly alone was a factor in a third of car crashes in 2018.

Chart showing causes of car accidents in the North West of England

North West England Vehicle Crime Rates

The frequency of vehicle crimes influences the way motor insurance companies set prices in a local area—especially for Comprehensive and Third Party, Fire and Theft products, both of which cover your care if it's stolen. In the North West of England there are 5.8 vehicle crimes per 1,000 people overall, with the highest rates of vehicle crime in Manchester, Blackpool and Blackburn (each of these areas have a vehicle crime rate of at least 9 per 1,000 people a year).

Vehicle Crime Rates in North West Englandper 1,000 People
Cheshire West and Chester2.4
Wigan3.7
Trafford3.8
Bury3.8
Cheshire East3.9
Tameside4.2
Halton4.3
Warrington4.5
Stockport4.7
Lancaster4.8
Wirral4.9
Sefton5.1
Salford5.2
Oldham5.7
Bolton5.9
Knowsley6.6
St. Helens6.6
Rochdale7.4
Liverpool8.9
Manchester9.0
Blackburn with Darwen9.1
Blackpool9.5
Average5.8

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.

Chart showing vehicle crime rates in North West, England

Cheap Car Insurance Quotes by Local Area

Car insurance quotes in your local area may be much higher or lower than other nearby areas, due to differences in car accident and car theft rates. Generally speaking, the higher the rate of accidents or thefts near you, the more you'll pay for car insurance. For example, post codes in Bolton, Blackburn and Rochdale were quoted rates nearly 3X as high as Lancashire and Cheshire East. See how your area compares below.

Cheap Car Insurance Quotes in the North WestPostcodeAverage of 5 Cheapest Quotes
LancashireLA2£512
Cheshire EastCW1£670
Cheshire West and ChesterCH64£750
WiganWN1£830
OldhamOL2£921
KnowsleyL34£967
LiverpoolL18£1,071
BlackpoolFY1£1,081
BuryBL9£1,200
Manchester£1,285
BoltonBL1£1,443
BlackburnBB1£1,564
RochdaleOL11£1,573
North West Average Quote£1,036

FAQs

Car insurance quotes can be very high depending on factors like where you live, the car your drive, your age, your driving record, etc. Car insurance companies use these factors to determine the risk of a claim from theft or accident.
The cheapest car insurance company will vary from person to person; some popular cheap car insurance brands from some of the largest UK car insurance companies include Bell, Admiral, Churchill, Hastings and Quotemehappy.
To find cheap car insurance in your area, check with a car insurance comparison site such as our partner QuoteZone to get a feel for how the UK market prices your unique situation.

Methodology

To determine average car insurance costs for cities like Liverpool, Manchester and Cheshire in the North West, we gathered hundreds of quotes for a sample driver who is 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 99 North West post codes. This allowed us to find the areas of the North West where drivers pay the least and the most for car insurance. We priced policies from over two dozen companies, including:

  • Hastings
  • Admiral
  • Churchill
  • LV
  • More Than
  • Elephant
  • RAC
  • esure
  • People's Choice
  • Sainsbury's Bank
  • Tesco Bank

Remember that all premiums in this study are for a sample driver only. Prices change depending on the details of your application and even from day to day. What is cheapest for one person may not be cheapest for the next person.

To determine rates of vehicle crime and car accidents in the North West, we analysed data from the Department for Transport and UK Crime Stats.

Cheap Car Insurance Quotes for the North West, England

Compare up to 100+ UK car insurance brands in under 2 minutes.

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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 the case writing team at Stanford University's Graduate School of Business.

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