Cheap Car Insurance Quotes in the North West
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Cheap Car Insurance Quotes for the North West, England
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North West England Car Insurance Costs
In a comprehensive review by NimbleFins car insurance experts, it was discovered that certain car insurance providers in the North West can charge 2X as much as cheaper quotes. This finding is supported by the comprehensive survey by NimbleFins' comparison engine partner, which demonstrated that comparing car insurance quotes can save you up to £515.
In the North West, the average cost of cheap comprehensive car insurance for our sample driver was 6% more expensive than the national average which is now £559. This would put typical North West car insurance at around £590 per year—although this can vary highly by area. Let's try to understand why by digging into some risk factors that contribute to car insurance rates. For this analysis, we'll look at:
- Collision rates per billion miles (Source: Department for Transport)
- Vehicle offence rates per 1,000 population (Source: Police recorded crime from the Home Office) and
- Average driving licence points % people with points (Source: DVLA)
First, how does the North West compare to other regions? The North West ranked 5th out of the 9 regions in England. The North West has a moderate rate of collisions per mile driven (357 per billion miles), rate of vehicle offences (e.g. car thefts) at 4.8 per 1,000 people but the average # of points per licence is higher than average at 0.064, as you can see in the table below.
In the final column, we include an average of the how far each risk factor is from the average across geographies. This is just a rough way to get an idea of how risky one area is compared to another overall—and provides a tool for ranking the regions. As you can see, the North West overall is 11% less risky than average, in terms of rate of collisions, vehicle thefts and drivers with points on their licence.
| Rank | Region | Collision rates | Vehicle offence rate | Points on Licence | Average relative difference |
|---|---|---|---|---|---|
| rate per billion miles | rate per 1,000 population | avg points per licence | |||
| 1 | North East | 243.7 | 4.1 | 0.058 | -27% |
| 2 | South West | 293.3 | 3.4 | 0.073 | -20% |
| 3 | South East | 401.5 | 4.2 | 0.058 | -15% |
| 4 | East Midlands | 353.1 | 4.5 | 0.063 | -14% |
| 5 | North West | 356.6 | 4.8 | 0.064 | -11% |
| 6 | West Midlands | 378.1 | 6.7 | 0.062 | 0% |
| 7 | East of England | 407.9 | 6.5 | 0.060 | 1% |
| 8 | Yorkshire and The Humber | 399.7 | 6.1 | 0.074 | 5% |
| 9 | London | 1403.7 | 9.1 | 0.049 | 81% |
Is this a perfect metric? No. Does it give us a picture of driving risks assessed by insurers? Some idea, surely.
Car insurance rates will be higher or lower in an area if insurers view the risk factors as being higher or lower. This could be a combination of odds of a claim and also typical payouts per claim (for example, due to higher or lower average car values). We've just looked at a few factors here.
Cheap Car Insurance Quotes by Local Area
Now, let's compare these same three car insurance risk factors across local areas in the North West. Which areas are the riskiest, and are therefore more likely to have higher car insurance rates? As above, we compare rates of collision, vehicle crime and drivers with points.
The "riskiest" area overall is Blackpool. With the highest collision rate in the North West (959 collisions per billion miles), lower theft rates and pts per licence still mean car insurance in Blackpool is likely to be more expensive.
The "least risky" local area overall is Cheshire East. While the area doesn't have the lowest accident rate, it does have the second lowest vehicle theft rate (1.8 per 1,000 people). Cheshire West and Chester are a close second.
Drivers in Liverpool and Knowsley have more points on average compared to the rest of the North West (0.074 and 0.075, respectively). In Stockport, drivers have an average of just 0.049 points.
| Rank | North West Local Authorities | Collision rates | Vehicle offence rate | Points on Licence | Average relative difference |
|---|---|---|---|---|---|
| rate per billion miles | rate per 1,000 population | avg points per licence | |||
| 1 | Cheshire East | 191.1 | 1.8 | 0.053 | -38.4% |
| 2 | Cheshire West and Chester | 199.4 | 1.3 | 0.066 | -34.8% |
| 3 | Stockport | 175.6 | 3.7 | 0.049 | -29.0% |
| 4 | Knowsley | 180.2 | 2.2 | 0.075 | -25.5% |
| 5 | Bury | 161.6 | 4.3 | 0.057 | -21.7% |
| 6 | Trafford | 191.9 | 4.6 | 0.055 | -17.1% |
| 7 | Wirral | 309.5 | 2.3 | 0.070 | -13.9% |
| 8 | Wigan | 219.8 | 4.3 | 0.068 | -9.5% |
| 9 | Bolton | 237.6 | 4.8 | 0.060 | -8.2% |
| 10 | Salford | 189.1 | 5.6 | 0.060 | -7.2% |
| 11 | Tameside | 293.8 | 4.7 | 0.059 | -3.8% |
| 12 | Rochdale | 166.8 | 6.2 | 0.066 | -2.0% |
| 13 | Sefton | 400.4 | 2.6 | 0.073 | -0.2% |
| 14 | Oldham | 298.0 | 6.4 | 0.062 | 10.7% |
| 15 | Manchester | 414.1 | 8.6 | 0.050 | 32.3% |
| 16 | Liverpool | 617.0 | 5.0 | 0.074 | 39.7% |
| 17 | Blackburn with Darwen | 639.3 | 6.8 | 0.073 | 54.5% |
| 18 | Blackpool | 958.8 | 6.5 | 0.052 | 74.0% |
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.
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Comprehensive cover is often the best value. We found that Third Party Only cover can cost 2X as much as Comprehensive cover in the North West, making Comprehensive potentially much better value for money. If you're looking to save money on car insurance in the North West and think you can do so by getting TPO cover, be sure to check prices for higher tiers of cover as you could get more cover for less money.
North West, England Car Insurance Brokers
Independent car insurance brokers can be useful resources for North West drivers who want to discuss their insurance options, need specialist cover or who simply aren't comfortable buying a policy online or over the phone.
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 admin and cancellation fees.
If you decide to use a broker, be sure to enquire about the setup/arrangement fees, admin fees, renewal fees and cancellation fees before buying a policy.
FAQs
Methodology
To learn about average car insurance costs for cities like Liverpool, Manchester and Cheshire in the North West, we gathered data on collision rate from the Department for Transport, points on licences from the DVLA and rates of vehicle crime from police forces (via the Home Office).
We separately looked for cheap car insurance quotes for The North West, and noticed that some brands only offer cover in certain neighbourhoods, perhaps in areas from which they expect lower claims.
To find rates for your car insurance, click below:
Cheap Car Insurance Quotes for the North West
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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.