Cheap Car Insurance Quotes in the West Midlands

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

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).

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

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.

These are just sample prices—the cheapest or best car insurance brand for you might be a different company not mentioned 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 Car Insurance BrokersAddressPhone Number
Mid Counties Brokers48a Walker St, Wellington, Telford TF1 1BA01952 248200
Henshalls Insurance Brokers1 Brassey Rd, Shrewsbury SY3 7FA01952 820358
Coversure Insurance Services6 Castle Gates, Shrewsbury SY1 2AE01743 384332
Hagley Insurance Brokers74 Worcester Rd, Hagley, Stourbridge DY9 0NJ01562 887998
Marsh Commercial18-20 Corve St, Ludlow SY8 1DH01584 872322
P L M Insurance Services2 New Church Rd, Wellington, Telford TF1 1JH01952 257804
1st Choice InsuranceMercury House Shrewsbury Business Park, Shrewsbury SY2 6LG0300 600 0600
Wrexham Insurance Services8-10 King St, Wrexham LL11 1LE01978 264000
Timothy Lawrence Insurance Brokers LtdIrongate, Elford Road, Comberford, Tamworth B79 9BB01827 58122
Aynsley Insurance Brokers67 Piccadilly, Hanley, Stoke-on-Trent ST1 1HR01782 265522
KGJ Insurance Brokers (Stourbridge) Ltd.2 Hagley Rd, Stourbridge DY8 1QG01384 390909
Elite Insurance Services60-62 Beam St, Cheshire, Nantwich CW5 5LJ01270 627266
Rawlins Eric & Co LtdRavenscliffe, First Avenue, Newcastle ST5 8QX01782 753000
Tudor House Insurance Services LtdTudor House, 34 Chester St, Wrexham LL13 8AH01978 290800
Coversure Crewe6 West St, Crewe CW1 3HA01270 747676
Robert Arthur Davies Ltd34-35 Comberton Hill, Kidderminster DY10 1QN01562 751003
A-Plan Insurance119 Coventry St, Kidderminster DY10 2BH01562 756580
Cherished Vehicle Insurance1-2 Foregate St, Worcester WR1 1DB0333 003 8161
Sutcliffe & Co Insurance Brokers2 Foundry St, Worcester WR1 2BJ01905 21681
Dash Insurance ServicesSuite B, Kay One, 23 The Tything, Worcester WR1 1HD01905 930411
Jukes Insurance Brokers63 Broad St, Sidemoor, Bromsgrove B61 8LL01527 874092
Neil Willies Insurance Brokers Ltd20 High St, Studley B80 7HJ0800 542 0672
Aston LarkThe Old Dispensary, Worcester St, Stourbridge DY8 1AN01384 375555
AP Insurance BrokersThe Oaks, 1, Clews Rd, Redditch B98 7ST01527 306041
Newstead Insurance Brokers92 Hagley Rd, Birmingham B16 8LU0121 410 2400
Robert Arthur Davies Ltd34-35 Comberton Hill, Kidderminster DY10 1QN01562 751003
Fastquote Group LtdBartleet House, 165 Birmingham Road, Bromsgrove B61 0DJ01527 336058
Insurance2day Insurance Services LtdTurner House, Queen St, Stourbridge DY8 1TP01384 442165
Lorica Insurance Brokers43 Calthorpe Rd, Birmingham B15 1TS0333 400 0900
Listers Volkswagen Worcester157 Bromyard Rd, Worcester WR2 5EA01905 424242
Ault Insurance BrokersKinder House/Lombard St, West Bromwich B70 8SD0121 553 4791
Henshalls Insurance BrokersGower House, High St, Newport TF10 7AN01952 820358
Mid Counties Brokers48a Walker St, Wellington, Telford TF1 1BA01952 248200
North Warwick Insurance Services Ltd14 Market Pl, Warwick CV34 4SL01926 493783
Towergate InsurancePegasus Court /Olympus Avenue, Warwick CV34 6LW01926 439439
Aynsley Insurance Brokers67 Piccadilly, Hanley, Stoke-on-Trent ST1 1HR01782 265522
Nowell & RichardsStaffordshire Technology Park, Carfax House 4-5 Ferranti Court, Stafford ST18 0LQ01785 255514
Fiveways Insurance Group1 Newport Rd, Stafford ST16 2HH01785 251790
Pace Ward LtdRidge House, Festival Park, 6, Ridgehouse Dr, Stoke-on-Trent ST1 5SJ01782 286311
Connect Insurance Brokers LtdConnect House, Foundry St, Hanley, Stoke-on-Trent ST1 5HE01782 280280
Ashley Insurance Services LtdUnit 1, 42 High St, Eccleshall, Stafford ST21 6BZ01785 214444
A M A Insurance Services23, Stafford Business Village, Staffordshire Technology Park, 55 Dyson Way, Stafford ST18 0TW01785 887881
Rawlins Eric & Co LtdRavenscliffe, First Avenue, Newcastle ST5 8QX01782 753000
Shadow Insurance Services LimitedPhoenix House, Hyssop Cl, Cannock WS11 7GA01543 720120
Vadis Insurance Brokers Ltd151 High St, Burton-on-Trent DE14 1JE01283 545991
C A B Insurance Brokers33 Queen St, Burslem, Stoke-on-Trent ST6 3EH01782 838318
Blythe Insurance BrokersWillow Lodge, 32 Vicarage Rd, Tean, Stoke-on-Trent ST10 4LE01538 722444
Deric Cotterill Insurance Brokers130 Congleton Rd, Butt Lane, Talke, Stoke-on-Trent ST7 1LX01782 782733
MEM Insurance Brokers Limited521 King St, Longton, Stoke-on-Trent ST3 1HD01782 315181
amb InsuranceHillcrest House, 2 Woodland Ave, Wolstanton, Newcastle-under-Lyme, Newcastle ST5 8AZ01782 740044
Element Hinton (Insurance Brokers) Ltd37 Market St, Hednesford, Cannock WS12 1AY01543 422089
Mobilers Insurance ServicesHaden House, Waterfall Lane, Cradley Heath B64 6PU01926 454907
Abbeyfields InsuranceFalcon House, Bloomfield St W, Halesowen B63 3RD0121 550 2380
Wedding Insurance GroupFalcon House, 10 Bloomfield St W, Halesowen B63 3RD0121 550 2380
Lorica Insurance Brokers43 Calthorpe Rd, Birmingham B15 1TS0333 400 0900
Gomm Insurance Brokers8-10 Coles Ln, Sutton Coldfield B72 1NE0121 355 4625
Insure Line618 Stratford Rd, Birmingham B11 4AP0121 777 0600
Dunsby Associates Insurance Brokers LimitedNew Oxford House/Waterloo St, Birmingham B2 5UG0121 631 3051
Academy Insurance Services Ltd165 Church Rd, Yardley, Birmingham B25 8UR0121 783 2298
Gallagher1 Temple Row, Birmingham B2 5LG0121 200 4920
Madoc & Rhodes ( LV) LTD151 Lea Village, Birmingham B33 9SJ0121 783 7811
Aston & Bradley Insurance Services Ltd51 Station Rd, Birmingham B23 6UE0121 386 3222
Ridgewell Victor Ltd226 Gulson Rd, Coventry CV1 2JD024 7622 7701
Coversure Insurance Services96 King St, Dudley DY2 8PR01384 671270
Ashby Wray & Partners LtdKenant Chambers/2 Bath Avenue, Wolverhampton WV1 4EQ01902 420461
Reduce My Bill TodaySuite 1 , Infinity House, 14 Waterloo Rd, Wolverhampton WV1 4BS01902 667866
four seasons insurance1A Norfolk Rd, Wolverhampton WV3 0JB01902 342843
Top Marques Insurance - Walsall171 High St, Brownhills, Walsall WS8 6HG01543 373700
Insure Line618 Stratford Rd, Birmingham B11 4AP0121 777 0600
John Russell Insurance Services LtdGranby Business Park, Granby Ave, Garrett's Green, Birmingham B33 0TJ0121 772 1920
Bainbridge Collins Ltd120 Warstone Ln, Birmingham B18 6NZ0121 212 2225
Pol-Plan Birmingham - Twój polski doradca w zakresie ubezpieczeń na samochód, vana oraz dom w UK.75 Bull St, Birmingham B4 6AF0121 716 0321
TH March & Co Ltd10A Vyse St, Birmingham B18 6LT0121 236 9433
Monaco Insurance Services LimitedPinnacle House, 8 Harborne Rd, Birmingham B15 3AA0121 452 2099
Auto Claims UK LtdClaims House, Hay Rd, Birmingham B25 8HY0843 080 0325
Connect Insurance Brokers LtdConnect House, Foundry St, Hanley, Stoke-on-Trent ST1 5HE01782 280280
Pace Ward LtdRidge House, Festival Park, 6, Ridgehouse Dr, Stoke-on-Trent ST1 5SJ01782 286311

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.

West Midlands, England Car Theft and Accident Statistics
West Midlands, England Population5,914,300
Number of Cars3,083,283
Number of Reported Car Accidents5,042
Seriously Injured1,975
Fatalities173

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.

Chart showing causes of car accidents in the West Midlands area of England

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.

Vehicle Crime Rates in the West Midlands, Englandper 1,000 People
Hereford2.6
Shropshire3.8
Telford and Wrekin3.9
Staffordshire4.2
Worcester4.5
Warwick8.4
Dudley10.5
Wolverhampton11.7
Sandwell11.9
Walsall12.8
Birmingham13.1
Solihull13.2
Coventry13.5
Average9.6

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 the West Midlands, England

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.

Cheap Car Insurance Quotes in the West MidlandsPostcodeAverage of 5 Cheapest Quotes
ShropshireSY5£508
WorcesterWR4£567
Telford and WrekinTF8£624
WarwickCV35£631
StaffordshireST3£735
SandwellDY4£1,018
CoventryCV6£1,037
WalsallWS3£1,055
DudleyDY2£1,087
WolverhamptonWV2£1,231
BirminghamB23£1,363
Average£997

FAQs

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 Birmingham, Staffordshire, Coventry, Dudley, Shropshire and other areas of the West Midlands.
To get cheap insurance quotes in the West Midlands, 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 West Midlands; click here to start getting quotes.

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:

  • 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. 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.

Cheap Car Insurance Quotes for the West Midlands

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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 Stanford University's Graduate School of Business case writing team. Read more on LinkedIn.

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