How does the insurance calculator work?
Our insurance calculator helps you get an idea of the average car insurance prices for someone of your age, gender and location. We draw from anonymised data on over 6 million car insurance quotes taken from our quarterly car insurance price index.
Our price index is the most comprehensive analysis of car insurance pricing in the UK.
Every 3 months we publish an update to the index using data on insurance quotes collected over the previous 3 months. The data lets us share insights and analysis into car insurance price.
By looking at such a large number of car insurance quotes each quarter we're able to confidently see how average car insurance prices are changing by age, gender and region across the UK.
How could our insurance calculator help you save money on your car insurance?
It gives you an idea of the average price
The pricing data in our calculator can be used to give you an idea of what you might expect to pay for your car insurance. This can help you check whether your recent quote or renewal offer is higher or lower than the average. Even if your insurance isn't up for renewal yet, the calculator could help give you an idea of how much prices have changed.
It lets you see how much you’d pay living elsewhere
If you're thinking of moving to a different part of the country, you can also use the calculator to estimate whether the price of your insurance will change. Prices can be influenced by where you live, so if you're staying in the same region, you're less likely to see a difference in what you pay.
It lets you compare your quote against the average
The data used by the calculator is based on averages across millions of quotes. The most accurate way of finding out whether you could make a saving on your insurance is to get a quote and compare prices. You can check these quotes against the average for your age, region and gender. It only takes a few minutes and is even quicker if you’ve used our site before.
Our latest data shows that 51% of customers could save up to *£523 by using our site to find their next car insurance policy. The prices you are quoted are based on the information you give us, so it's important to make sure everything you tell us is correct.
**Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (July '24). 51% of Confused.com car insurance customers could save £523.17
How is car insurance calculated?
The price you pay for car insurance is unique to you. Insurers base your price on risk factors that are specific to you such as:
Your age
The car you drive
Where you live
Your driving history
How else can you save money on your car insurance?
Building up a no-claims bonus
This takes time but is a good way to prove to insurers you're lower risk. Each year you drive without making a claim you earn another year of no-claims bonus (NCB). Our data shows that having 1 year of NCB could save you 46% on the price of your insurance when compared to having no NCB.***
Taking out a black box policy
This can help prove you're a safe driver and save you money at the same time. By using an app on your phone or a box fitted to your car, your insurer can monitor how you drive and reward you with a discount for safe driving. A black box policy can be a good option if you're a young driver starting out or don't use your car much.
Estimate your mileage accurately
When you get a quote, we’ll ask you how many miles you drive in a typical year. The higher the number, the more you’ll tend to pay for your cover, so it’s important to get it right. For example, our data shows that drivers doing 5,000 miles a year paid 20% less for their cover that drivers doing 10,000 miles***.
You can find your annual mileage on your MOT documents, or calculate it using more basic means, like jotting down how many miles you typically drive in a week and multiplying that number by 52.
***Confused.com data Q2 2024.
Pick a car in a lower group
Changing cars isn't straightforward or affordable for everyone. But you may not have bought a car yet, or are in a position to have more freedom with picking the car you drive. You can consider a less-powerful car with a smaller engine, or one with a lower value.
Lower value, less powerful cars tend to be in lower car insurance groups. And the lower your car’s group, the cheaper your insurance tends to be. Groups aren’t the be all and end all of what you pay for your insurance, but they have a substantial bearing on what you pay.
Increase your voluntary excess
This means you'll pay more if you ever need to make a claim, but it can also bring down the overall price of your policy. £250 is the most popular voluntary excess amount chosen by our customers when getting a quote**. But offering to pay a little more could bring your insurance costs down. Just make sure you can afford to pay it if you need to make a claim.
Learn about more ways to save on your car insurance.