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Car insurance Cardiff

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How much is car insurance in Cardiff?

Knowing how much you should expect to pay for car insurance in your area can help you find the best deal and be confident in your decision when buying your policy.

According to our data the average cost of car insurance for the UK is £861 per year. But in South Wales, car insurance premiums are over £150 cheaper with customers paying £682, on average*.

Our car insurance calculator uses data from our most recent car insurance price index. 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 calculator to find out what the average price is in South Wales.

*Confused.com price index, Q3 2024.

What affects the cost of car insurance in Cardiff?

Many factors are considered when calculating the cost of your car insurance. For cities such as Cardiff, insurers will consider the average number of claims, crime rate, and accident rates in your area when calculating your premium.

Location isn’t the only factor considered though - your age, the car you drive and annual mileage are factored into the calculation of your individual price.

Read more about how your car insurance is calculated.

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

According to our data, Cardiff is not in the top 10 cities for car theft. This could help indicate why the cost of car insurance is cheaper in Cardiff compared to car insurance in London. Here’s the top 10 cities where your 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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What our car insurance expert says

"When insurers calculate your car insurance premiums, location plays a significant role. Drivers in urban areas like Cardiff should be mindful of local factors such as crime rates and traffic congestion. Parking your car in a secure garage, installing additional security devices, and opting for a lower-mileage policy can all help reduce costs. It's also wise to compare premiums from different insurers, as rates can vary significantly across postcodes even within the same city."
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