Knowing how much you should expect to pay for car insurance can help you find the best deal.
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.
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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:
In 2012 the EU gender directive was introduced to stop insurers pricing based on gender. Since then the pricing gap between genders has shrunk, however, it’s still common to see differences in price between men and women. This is for several reasons, but it largely comes back to the data insurers have seen.
For example, men tend to drive more expensive cars with bigger engines that can be more expensive to repair. Meaning if they go on to make a claim, that claim will likely be for a higher amount. By telling us your gender it means we’re able to give you a better idea of what prices are like in your area and age group. Find out more about how car insurance is calculated.
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.***
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.
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 Q3 2024.
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.
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.
Is a legal requirement if you're driving in the UK. Find out more about choosing the right cover at the right price.
Lets you prove you're a safe driver, and save money on your policy, even if you're inexperienced or seen as high risk.
Offers cover for owners of classic cars. For insurance purposes, a classic car can be any car that’s older than 15 years.
Covers you if you use your car for work, including travelling between offices or across the country.
How much should you be paying for your insurance? Check the average price for your age and region.
Making sure you’re insured to drive doesn’t just protect you, it’s also a legal requirement.
Figuring out which level of cover suits you can be a headache. Here’s a quick rundown of the most common policy types and what they do.
Here's why your car needs valid insurance and how you go about checking if you're insured to drive.
With insurance costs on the rise, here's how you can keep your prices down.
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