Cheap Car Insurance Quotes in the West Midlands

West Midlands, England Car Insurance Costs

In the West Midlands region of England, the average cost of cheap comprehensive car insurance for our sample driver was around £995, which is much higher than the average cost of car insurance in England. There was a huge difference in car insurance costs from company to company, however, with companies like Ageas, One Call, Sainsbury’s and Tesco offering prices around 2X as much as the cheapest car insurance companies, including popular brands such as Churchill and Admiral (which are part of two of 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 the West Midlands—£1,997 on average for TPO cover vs. £995 for Comprehensive cover—making Comprehensive much better value for money in most cases. This may seem counterintuitive, but there must be statistical data showing that car owners who seek out comprehensive cover are more careful when it comes to driving and securing their cars.

These are just sample prices—the cheapest or best car insurance brand for you might be a different company not mentioned here. And for reference, compare these prices to what neighbors in the East Midlands pay for their car insurance here.

West Midlands, England Car Insurance Brokers

Independent car insurance brokers can be useful resources for West Midlands drivers who want to discuss their insurance options or who aren't comfortable buying a policy online. However, you might pay more to a broker—they may work only with a selection of insurance companies and may not be able to find the cheapest plan for you, plus they often charge an arrangement fee and/or higher cancellation fees. Below, we've compiled a list of car insurance agents in the West Midlands, all of which have been rated with at least 4 out of 5 stars by customers.

West Midlands, England Vehicle Accident Rates

The rate of road traffic accidents near you influences auto insurance quotes for those living locally. In the West Midlands, there were 5,042 collisions in 2018 serious enough to require police attendance—and nearly 2,000 people seriously injured and 173 fatalities.

The West Midlands had the highest rate of accidents that involved driver error or reaction (e.g., failing to look or signal) in 2018—75%, compared to 67% in England. In particular, "failing to look properly" was a factor in 45% of car crashes in the region. Drivers in the West Midlands also tend to be in a hurry—"driver/rider careless, reckless or in a hurry" was a factor in 19% of reported accidents.

West Midlands, England Vehicle Crime Rates

The frequency of vehicle crimes also affects car insurance prices in a local area. Specifically, theft rates have an impact on the way motor insurance companies assess risk for Comprehensive and Third Party, Fire and Theft policies, both of which cover your care if it's stolen (plus, Comprehensive cover usually covers theft from a car as well). In the West Midlands there were 9.6 vehicle crimes per 1,000 people in 2018.

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

Car insurance prices vary depending on where you live in the West Midlands, because some areas are more prone to thefts and collisions, presenting a higher risk to car insurance companies. For example, post codes in Birmingham and Wolverhampton were quoted average rates around 2.5X as high as Shropshire, Worcester, Telford and Wrekin, Warwick and Staffordshire. See how your area compares below.

FAQs

Methodology

To determine average car insurance costs for cities like Birmingham, Staffordshire, Coventry, Dudley, Shropshire in the West Midlands, we gathered hundreds of quotes for a sample driver. The sample driver 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 62 West Midlands post codes. This allowed us to find the areas of the West Midlands where drivers pay the least and the most for car insurance. We priced policies from over two dozen companies, including but not limited to:

Some brands don't offer cover in certain neighbourhoods, for instance where they have an experience of higher claims. Churchill is an example of this—they have pretty cheap prices in some neighborhoods but are more restrictive in the postcodes they cover. So while they look very cheap, that's in part because they don't offer cover to everyone.

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 West Midlands, we analysed data from the Department for Transport and UK Crime Stats.

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.