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Car insurance Belfast

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How much is car insurance in Belfast?

Our latest data shows the average price customers pay for annual car insurance in Belfast is £897, that’s a 5% increase from previous year. In the past, car insurance in Northern Ireland has been considerably higher than the UK average. But that gap is closing with the UK average now at £861*.

Knowing how much you should expect to pay for car insurance in your area can help you find the best deal. It’ll give you that extra bit of confidence that you’re getting the best deal for you when buying your policy!

We look at more than 6 million car insurance quotes quarterly to understand how prices have changed across all areas of the UK.

Use our car insurance calculator to find out what the average price is in Northern Ireland.

*Confused.com price index data, Q3 2024.

What affects the cost of car insurance in Belfast?

For cities such as Belfast, insurers will consider the average number of claims, car theft, and accident rates in your area when calculating your costs. Because urban areas are more populated, they’re considered more of a risk to insurers based on statistics of accidents and crime.

Location is only one of the factors though - age, driving experience and your annual mileage also play into the cost. These factors, along with individual circumstances like your job title, determine your price. See the cheapest car insurance job titles.

Read more about how your car insurance is calculated.

Which areas are most at risk in the UK for car theft?

The good news is, Belfast is not in the top 10 cities for car theft in the UK, according to our data.

Here’s the top 10 cities where you car is more at risk of being stolen(2).

  • London
  • Birmingham
  • Manchester
  • Sheffield
  • Romford
  • Ilford
  • Dudley
  • Coventry
  • Walsall
  • Chelmsford

It’s still important to take safety measures to ensure you minimise the risk of damage or accidents, especially if you’re parking on the road. Our guide has some useful tips on how to prevent car theft.

See the likelihood of your car being stolen by using our car theft risk calculator.

(2)Data used is based on car theft claims declared by Confused.com customers since January 2018. It's important to remember that it only includes data from our customers and is not representative of all car thefts in the UK.

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Why use Confused.com?

  • Save up to £452***: With our price comparison, you can find our best deals and could save on your car insurance.
  • First comparison site in the UK: In 2002, we became the first comparison site! Our purpose? To make the process of sorting your insurance, utilities or personal finance as easy as possible - so you can put your feet up!

***Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (July '24). 51% of Confused.com car insurance customers could save £523.17

  • Exclusive deals: We work closely with our insurance partners to get our best deals and exclusive discounts so you can save even more.
  • Customer fairness and protection: We're regulated by the Financial Conduct Authority (FCA) and take your finances seriously. We ensure you are treated fairly.

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What our car insurance expert says

"The cost of car insurance in Belfast is largely influenced by the city’s high traffic density and accident rates. Urban areas like Belfast experience more frequent collisions, which drives up premiums. Another key factor is where the car is parked - keeping it in a secure or private area can help reduce costs by minimising the risk of damage."
Rhydian Jones - Confused.com Commercial Director
Commercial Director & Motoring Expert Confused.com logo

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Page last reviewed: 23 October 2024

Reviewed by: Rhydian Jones

1Correct as of October 2024