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How much is car insurance in London?

London is the most expensive region in the UK for annual car insurance. Our latest data shows the average policy now costs £1,357 - that’s £496 more than the UK average*.

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

We look at over 6 million car insurance quotes quarterly to understand how prices have changed across all areas of the UK. Read more about why car insurance is so expensive.

Use our calculator to find out what the average price is in London based on your age and gender.

^{_{*Confused.com price index data, Q3 2024.}}

What affects the cost of car insurance in London?

In large cities like London, heavy traffic and congestion significantly raise the risk of accidents and claims - so insurers factor in these risks when calculating premiums. This is why car insurance in London tends to be more expensive compared to car insurance in Glasgow. Combined with other factors, such as higher crime rates and repair costs, it's easy to see why prices are higher.

Location is only one of the factors though - age, driving experience and your annual mileage also play into the cost. These, along with individual circumstances like your job title will 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?

According to our data. London is also considered high-risk for car theft. See our guide for some useful tips that can help you reduce the risk of car theft.

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.}

We compare up to 169 trusted insurance companies¹ to get you our cheapest deal in minutes.

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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 up to £452on 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 (October '24). 51% of Confused.com car insurance customers could save £452.34}

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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You can wave goodbye to car insurance worries when you’ve just used Confused.com!

What our car insurance expert says

"If you’re looking to save on car insurance in London, one effective tip is to consider increasing your excess. This means you’ll pay a bit more upfront if you need to make a claim, but it can significantly lower your monthly premiums. Just make sure that you can afford the amount you enter as you’ll need to pay this if you make a claim.

"Plus, don’t forget to shop around and compare quotes from different insurers. Each one may offer different rates based on your situation, so taking the time to find the best deal can really pay off!"

Rhydian Jones - Confused.com Commercial Director

Rhydian Jones Commercial Director & Motoring Expert

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**Single annual policy. New and former Paramount+ subscribers only who sign up at ParamountPlus.com. Subscription required. Auto-renews unless cancelled. 18+. Just Eat website account required, geographical exclusions apply. The year-round reward is provided by Greggs, and consists of one regular hot drink per month for a year, only available via the Confused.com app. T&Cs apply.

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Confused.com car insurance scores a 4.5 out of 5 rating
based on 188079 reviews as of 25/10/2024