Cheap Car Insurance Quotes in the South East of England

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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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Axa car insurance logo
RAC car insurance logo
Admiral car insurance logo
Hastings Direct car insurance logo
Swinton car insurance logo
Elephant car insurance logo

South East, England Car Insurance Costs

According to a comprehensive survey by NimbleFins' comparison engine partner, comparing car insurance quotes can save you up to £530, which is important in Milton Keynes and other areas in the South East, where NimbleFins analysis discovered higher car insurance costs. Utilizing platforms that aggregate quotes from multiple providers allows you to view a comprehensive landscape of your options, as recommended by consumer financial experts.

The NimbleFins analysis showed that the average cost of cheap comprehensive car insurance for a sample driver in the South East region of England was around £700, which is a higher than the average cost of car insurance in England. There was a significant difference in car insurance quotes from company to company, however, with companies like Insure Wiser, One Call and Tesco quoting premiums 2X to 3X as much as the cheapest car insurance companies, which included popular brands such as Churchill, Admiral, Hastings Essential and LV= (see the largest UK car insurance companies).

Chart comparing cheap car insurance companies in the South East of England

Comprehensive cover is often the best value. According to our pricing study, drivers would pay around 2X as much for Third Party Only cover compared to Comprehensive cover in the South East—£1,399 on average for TPO cover vs. £704 for Comprehensive cover—making Comprehensive much better value for money in most cases.

South East, England Car Insurance Brokers

Using a South East motor insurance broker 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 a broker's fees before signing on the dotted line. Brokers may 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 the South East, all of which have been rated with at least 4 out of 5 stars by customers.

South East Car Insurance BrokersAddressPhone Number
Ae Insurance Brokers45 Westwood Rd, Southampton SO17 1DH023 8055 8200
Property Wealth Insurance Brokers LLPFirst Floor, Hemings House, The Sqaure, Wickham PO17 5JT0333 222 1192
Academy Insurance Services LtdUnit 2a, Chineham Point, Crockford Ln, Chineham, Basingstoke RG24 8NA01256 368666
Greenfield Insurance Services58D Botley Rd, Park Gate, Southampton SO31 1BB01489 579808
South Coast Insurance375 Bitterne Rd, Bitterne Village, Southampton SO18 5RR023 8044 4441
Concorde Insurance Brokers-Business Insurance-Southampton-Hampshire96 Winchester Rd, Chandler's Ford, Eastleigh SO53 2GJ023 8025 1404
Test Valley (Insurances) Ltd31A The Hundred, Romsey SO51 8GD01794 512034
BJP Insurance BrokersSouthgate House, Wellington Rd, Wokingham RG40 2BJ0118 979 2121
Fairweather Insurance Services LimitedChalfont Hall, Gravel Hill, Chalfont St Peter, Gerrards Cross SL9 0NP01753 882222
PIB Insurance Brokers200 Brook Dr, Reading RG2 6UB0333 400 2200
Macbeth Insurance Brokers & Financial ServicesArlington Business Park, Three Waterside Dr, Theale, Reading RG7 4SW0118 916 5480
NFU Mutual ReadingUnit 12 Brewery Ct, Theale, Reading RG7 5AJ0118 321 9176
Marsh CommercialGround Floor, Earley West, Thames Valley Park Dr, Reading RG6 1PT0118 983 9800
Howgate Insurance Brokers LtdGrafton Rd, Worcester Park KT4 7QR020 8335 4209
Flag Insurance Brokers Ltd1 Rectory Ln, Easthampstead, Bracknell RG12 7BN01344 452233
M&P Insurance SolutionsFaraday court, Rankine Rd, Basingstoke RG24 8QB0845 075 0773
Saxon Insurance Brokers LtdNew Boundary House, London Rd, Sunningdale, Ascot SL5 0DJ020 3384 0303
Binfield Commercial Insurance Brokers Ltd3-7 Wyndham St, Aldershot GU12 4NY01252 330111
Zen Private Clients LtdThe Crofts, Hatch Warren, Basingstoke RG22 4RF07802 664061
Aston Scott (Alton)2, Oriel Court, Omega Park, Alton GU34 2YT01420 82501
Bloomhill Insurance Solutions Ltd3 Crockford Ln, Chineham, Basingstoke RG24 8NA01256 463090
Academy Insurance Services Ltd2nd Floor, Rafts Court, Brocas St, Eton, Windsor SL4 6RF01753 521216
Everslet Insurance Services (Maidenhead) LtdMoorbridge Rd, Maidenhead SL6 8LT01628 635821
Lagrove Insurance Brokers Ltd51-53 The Green, Southall UB2 4AR020 8574 4656
Giles Insurance Consultants4B High St, Burnham, Slough SL1 7JH01628 667707
S G Busby Ltd51 West St, Marlow SL7 2LS01628 471557
Barts Insurance Brokers Ltd4 Queensbury Circle Parade, Harrow, Stanmore HA7 1EY020 8206 0088
SAFEWAY Insurance Services Ltd6, Endeavour House, 2 Cambridge Rd, Kingston upon Thames KT1 3JU020 8004 2020
RightSure InsuranceArgent House, Argent Ct, Tolworth KT6 7LD0333 323 0350
Kent Insurance Brokers LtdHouse, 19, Nexus, 21 Albion Pl, Maidstone ME14 5EG0800 977 8020
Invicta Insurance Services LimitedInvicta House, Amherst Hill, Sevenoaks TN13 2EL01732 471950
Breathe Insurance Brokers LtdMedway Innovation Centre, Maidstone Rd, Chatham ME5 9FD01622 620531
The A2 Insurance Centre Ltd (next to Camping international in Gillingham Kent)27 Watling St, Chatham ME5 7HQ01634 855995
Marsh CommercialGround Floor, Earley West, Thames Valley Park Dr, Reading RG6 1PT0118 983 9800
P J Insurance Brokers Ltd113 Queens Rd, Weybridge KT13 9UN01932 852225
J H Hibbert (Insurance Brokers) Ltd4 Albert Mews, Albert Rd, Stroud Green, London N4 3RD020 7272 5248
Coops Insurance137 Church Hill Rd, Sutton SM3 8NE020 8641 3131
Peter S.Taylor & Co81 Church Rd, Hove BN3 2BB01273 820303
Engage Health GroupCurtis House, 34 Third Ave, Hove BN3 2PD01273 974419
Lansdown Insurance BrokersLansdown House, Pittville Circus Rd, Cheltenham GL52 2QE01242 524498
Delite Insurance Agency20 Jeffery St, Gillingham ME7 1DE01634 570020
Bennett Christmas Insurance Brokers Ltd1 Oak House, Woodlands Court,, Albert Drive, Burgess Hill RH15 9TN01444 810088
R T Williams Insurance Brokers LtdThe Old Coach House, 110 Old London Rd, Brighton BN1 8BB01273 328181
Manor Insurance Services LtdCavendish House, 4th, Breeds Pl, Hastings TN34 3AA01424 718790
Black Rock Insurance74 High St, Battle TN33 0AG01424 775953
Marshall G R & Co Ltd44 Pylewell Rd, Hythe, Southampton SO45 6AQ023 8084 7744
Christopher Trigg Insurance Ltd1 Norfolk Rd, Rickmansworth WD3 1LA01923 712434
Manor Brokers2 Manor Rd, Ruislip HA4 7LB01895 678642
Duncan Clark Insurance Brokers2nd, Centurion House, 136-142 London Rd, St Albans AL1 1PQ01727 852299
Cheshunt Central Insurance42 High St, Cheshunt, Waltham Cross EN8 0AQ01992 630095
Fairweather Insurance Services LimitedChalfont Hall, Gravel Hill, Chalfont St Peter, Gerrards Cross SL9 0NP01753 882222

South East, England Vehicle Accident Rates

The rate of road traffic accidents in an area affects auto insurance quotes for those living locally. The more likely drivers are to have a collision, the higher car insurance premiums. In the South East, there were 13,627 collisions in 2018 serious enough to require police attendance—and around 4,300 people seriously injured and 258 fatalities. The South East is the region of England with the most cars and the most accidents.

South East, England Car Theft and Accident Statistics
South East, England Population9,214,300
Number of Cars5,270,523
Number of Reported Car Accidents13,627
Seriously Injured4,328

In the South East, driver error or reaction (e.g., failing to look or signal) was a factor in 65% of reported accidents in 2018. Within this category, "failing to look properly" was a factor in 37% of road traffic accidents. Being in a hurry/reckless was also a contributing factor in a large proportion of reported accidents (16%).

Chart showing causes of car accidents in the South East region of England

South East, England Vehicle Crime Rates

Car insurance quotes are also affected by the rate of vehicle crimes in a your area. Specifically, theft rates impact the way car insurance underwriters assess risk of your car being stolen and the risk of audio equipment and personal belongings being stolen from a car. Fortunately for South East residents, the rate of vehicle crimes in this region is lower than the average—there were 6.1 vehicle crimes per 1,000 people in the year ending February 2024 in the South East, compared to an average of 6.9 in England.

Vehicle Crime Rates in the South East, Englandper 1,000 People
Isle of Wight1.5
West Berkshire3.9
Windsor and Maidenhead3.0
Bracknell Forest6.1
Brighton and Hove5.3
South Buckinghamshire9.6
Milton Keynes9.0
South East Average6.1
England Average6.9

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 South East, England

Cheap Car Insurance Quotes by Local Area

Overall, car insurance prices are a bit higher than average in the South East than in many other areas of the UK, in part due to crowding and the level of accidents. However, prices can vary depending on where you live. For example, car insurance quotes in Slough cost around 2X as much as the rest of the South East. See how your area compares below.

Cheap Car Insurance Quotes in the South EastPostcodeAverage of 5 Cheapest Quotes
Bracknell ForestRG45£628
High WycombeHP10£658
Windsor and MaidenheadSL3£953
Brighton and HoveBN2£1,027


There are pros and cons to using a broker to buy car insurance. On the plus side, a broker can answer your questions and give you specialised service. On the negative side, you may pay higher cancellation fees (as well as an arrangement fee), and a broker may not have access to the cheapest plans in the market for your profile. Click here for a list of car insurance brokers in Slough, Southampton, Brighton and other areas of the South East.
To get cheap insurance quotes in the South East, start by checking the market by using a comparison site such as our partner QuoteZone. If you have more time you can also reach out to some local brokers.
Many of the UK's largest car insurance companies such as Admiral, Churchill and Hastings offer quotes throughout the South East; click here to start getting quotes.


To determine average car insurance costs for cities like Slough, Southampton, Brighton, Woking, Reading, Newbury and Maidstone in the South East, 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 84 post codes across the South East. This allowed us to find the areas of the South East 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.

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

Cheap Car Insurance Quotes for the South East

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Note regarding savings figures: *For information on the latest saving figures, pay-less-than figures, and pay-from figures used for promotional purposes, please click here.

Erin Yurday

Erin Yurday is the 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.


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.

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