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Jun 25 2020

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Car insurance

We cut prices to help you get a cheaper deal

Why buy cheap car insurance from us?

Save up to £270* on your car insurance

See prices from 100 insurance brands

Automatic MOT, tax & insurance reminders

It’s fast, free and simple!

*51% of consumers could save up to £270.32 Consumer Intelligence, November 2019.

Look out for our price cut symbol

We invest our own money with a range of insurers to get you even cheaper deals*

Wherever you see our price cut symbol, we’ve reduced the cost.

*At least 51% of customers will see a price cut policy in the top 5 results based on enquiries Jun 19 – Nov 19

Look out for our price cut symbol

We invest our own money with a range of insurers to get you even cheaper deals*

Wherever you see our price cut symbol, we’ve reduced the cost.

*At least 51% of customers will see a price cut policy in the top 5 results based on enquiries Jun 19 – Nov 19

How to compare car insurance quotes

Find cheap car insurance quotes and stay on the road with MoneySuperMarket

It doesn’t take long

Pop in a few details about yourself, your car and driving history, and any named drivers

We’ll search for savings

We’ll show you which car insurance quotes are the cheapest and offer the best cover

Car Monitor

We’ll automatically email you MOT, tax and insurance reminders… so you’ll never miss your renewal dates

Which car insurance brands do we work with?

We compare dozens of the biggest insurance providers in the country, including:

We’re 100% independent, working only for our customers

Unlike some of our competitors, MoneySuperMarket is not owned by an insurance company. So we can offer the best value, with savings delivered straight to you.

We combine independence, so we can negotiate the best prices, with excellent technology, to find the best value products and services.

That makes us, in our customers’ opinions, the best price comparison website.

of our customers would buy again

Based on 44752 reviews

How to get cheaper car insurance

The average cost of car insurance has fallen slightly in the past year to £516, according to MoneySuperMarket data. But any savings are unlikely to be passed on to consumers. Some top tips to lower your premium:

Don’t auto-renew

Over a third of motorists let their policy renew automatically. Don’t be one of them – shop around

Compare quotes

51% of customers who search for car insurance with us could save up to £270* on their premium

Increase your excess

Insurers are likely to reduce the cost of
cover if you’re willing to increase your excess

*51% of consumers could save up to £270.32 Consumer Intelligence, November 2019.

What do you need to get a quote?

Details of the car

The car’s registration number if you have it to hand. If not, the car make and model is fine. We’ll also need the car’s age and any modifications you’ve made

What you’ll use the car for

Social, commuting or business, and how many miles you think you’ll do a year. You’ll also need to say where you’ll keep the car at night for security

Your details

Including your job, your age and your address

No-claims discount (NCD) history

Details of your no-claims discount will help lower the price you are quoted. Use our no-claims discount tool to find out how many years’ no-claims discount your insurer will honour

Your licence

The type of licence you have and how long you’ve held it. You can also add any additional driving qualifications you have here

Our expert says

Car insurance can be expensive, so it’s important to shop around. Running a quote with MoneySuperMarket lets you compare policies from over 100 car insurance brands, helping you find the right cover to suit your needs – and it’s easy to switch if you find a better deal.”

– Dave Merrick, head of car insurance

Our expert says

Car insurance can be expensive, so it’s important to shop around. Running a quote with MoneySuperMarket lets you compare policies from over 100 car insurance brands, helping you find the right cover to suit your needs – and it’s easy to switch if you find a better deal.”

-Dave Merrick, head of car insurance

New driver? Here’s what you need to know

There are three main types of car insurance:

Fully comprehensive

The best level of cover. This protects you, your car and other motorists from any damage you cause. It also covers medical expenses, repairs, fire damage and theft of your vehicle

Third-party, fire and theft

This covers the cost of repairs to other people’s cars and property, and to your own vehicle if it’s stolen or damaged by fire

Third-party

The minimum legal requirement, this will only cover any damage you cause to other cars and property

Car insurance tailored to you

The cover you need also depends on what you drive, where, and how. There are also plenty of add-ons to help you find the right deal for you. It usually pays to shop around, because you are likely to save a significant sum of cash by changing insurer every 12 months, when your policy comes up for renewal.

Young drivers

Younger and learner drivers tend to pay a lot more for car insurance because they have less experience behind the wheel, and many buy specialist policies

European car insurance

You can drive in most of Europe on your UK car insurance, but there are several countries where you might need additional cover

Business car insurance

If you use your car for business reasons – including driving on behalf of your employer – you should consider taking out a business car insurance policy

Multi-car insurance

If there’s more than one car registered at your address, a multi-car insurance policy might help you and your household save money

Telematics insurance

Your insurer monitors how safely you drive via an app or a black box installed in your car. If you drive carefully, you could see a significant saving

Classic car insurance

Classic cars are usually more valuable – and harder to repair – than modern vehicles. If you own one, you may need a dedicated classic car policy

How much does car insurance cost?

The average price for fully comprehensive car insurance is £516 according to MoneySuperMarket data from November 2019. However, car insurance is priced on various factors, so premiums will differ considerably depending on your circumstances.

For example, young drivers are considered much more risky than older drivers, simply because they have less driving experience. Because of this, young people pay a lot more than more experienced drivers, and the same goes for people with points on their license and criminal records.

Third Party Only

*According to MoneySuperMarket data correct as of July 2019

Do I need a credit check?

If you want to pay for your car insurance monthly, the insurer will do a credit check to see if you’re able to make the payments. That’s because agreeing to pay monthly is technically a credit agreement: you’re borrowing the cost of the annual policy and repaying it over 12 months.

As with any credit check, a record of this search will remain on your file – and your credit rating will affect the amount of APR that you’re charged. If you have a poor credit rating, you may be charged up to 20% APR. And if you’ve struggled to pay credit in the past, or if you have a CCJ to your name, then you may be denied the option to pay monthly. If you think you’ll have issues with your credit rating, you can read our guide on improving your credit score.

If you choose to pay annually, you won’t be subject to a credit check.

Is car insurance cheaper annually or monthly?

Car insurance is usually cheaper when you pay annually, because insurers add on a fee for monthly payments. Some insurers may not offer monthly payments, but because it can be an ever-increasing lump sum each year, many motorists see it as a way of helping spread the payment.

If you choose to pay in monthly instalments, it’s important to be aware that most insurers will do a credit check to see if you are able to pay this monthly instalment.

What factors impact car insurance?

Car insurance is categorised on statistical risk, so there are several different factors taken into consideration when you get a quote for cover. This is why everyone pays a different price for their policy.

Age: This is a factor because, generally speaking, older and more experienced drivers are less of a risk than a young person that has been driving for less than five years. You will find that more experienced drivers will usually get much cheaper insurance premiums.

Gender: Even though insurers are no longer allowed to discriminate on gender, men still often pay more for their insurance. This is simply due to the cars they drive being statistically more powerful and that they drive more hours than women, amongst other factors.

Type of car: If you have an expensive or powerful car then you are seen as a higher risk for a number of reasons. If it’s expensive, it has a higher risk of being stolen. If it’s powerful, it’s deemed more at risk of getting into an accident driving at speed. If you want to see how your car impacts your insurance, you can check which insurance group it’s in for an indication.

Location: The location of your car is also factored in, because if the area has a high crime rate, then you are statistically more at risk of your car being stolen, damaged or vandalised.

Occupation: If you have a job where you drive more hours, then you are riskier in the eyes of insurers because you are literally on the road more. Or if you have expensive equipment as part of your job, it could be stolen from your car, therefore you present an increased risk.

Level of service

We aim to show you car insurance quotes from as many insurance companies as possible, so that you can find the right policy for you. Unfortunately, we can’t promise to show quotes from every insurance provider, because not all companies want to be included on comparison websites. We won’t offer you advice or make a recommendation, but we will provide you with all the information you need to help you decide which is the right policy for you. You can find out more about how we work here.

MoneySuperMarket can help you find great deals on your car insurance. From single to multi-car deals, satellite-based telematics policies to insurance for classic cars, we search the market to get the best combination of protection and price. Check out our news and guide pages for more information.

Classic car insurance

Compare classic car insurance quotes online

Student car insurance

Study our student car insurance service

New driver insurance

Get a good deal on your first car insurance policy

European car insurance

Find a policy that covers driving on the continent

Teenage driver cover

Get a good price on teenage car insurance policies

Car insurance guide

MoneySuperMarket’s definitive car insurance guide

Multi-car

A single insurance policy to cover several cars

Temporary car insurance

Get covered for periods shorter than 12 months

Car insurance check

Find out if your current motor insurance policy is valid

Third party only

Compare cheap third party insurance quotes

Young driver insurance

Fight back against expensive young drivers insurance

Business car insurance

Get a specialist Business car insurance policy

Car insurance groups

Find out why the type of car you choose affects the cost of car insurance

Learner driver insurance

Will you need to pay for learner driver insurance on top of tuition fees?

Fully comprehensive cover

Find out why the most complete level of cover isn’t always the most expensive option.

Excess insurance

Insuring against high excess costs could save you money if you ever have to claim.

Gap insurance

If you’re buying a new car, it’s well worth considering gap insurance.

Named driver insurance

How adding a named driver can lower the cost of car insurance.

Telematics Car Insurance

Find out what telematics insurance is and whether it’s right for you.

Third Party Fire & Theft

Find out more about third party, fire and theft car insurance with our helpful guide.

Explore more car insurance

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We investigate the UK’s vehicle vandalism hotspots.

Car Insurance Price Index

See how much car insurance costs in the UK based on over 6 years of data and millions of customer quotes.

Car Insurance Group Checker

Find out which insurance group your car is in.

Driving Theory Test

How many bad driving habits have you fallen into? Take our short test to see if you’d pass again now.

Drink & Drug Driving Hotspots

Where in the UK are drivers most likely to have a conviction for drink or drug driving?

Fuel Cost Calculator

Fuel costs vary significantly from garage to garage, find out how far you should drive for cheaper fuel.

Driverless Cars

How could they change our lives?

Will automation affect your job?

Find out the driving professions most likely to disappear in a driverless world, and those that are here to stay.

Get Money Calm

MoneySuperMarket gives you lots of clever ways to save a lot, by doing very little.

So how do we make our money? In a nutshell, when you use us to buy a product, we get a reward from the company you’re buying from.

But you might have other questions. Do we provide access to all the companies operating in a given market? Do we have commercial relationships or ownership ties that might make us feature one company above another?

We commit to providing you with clear and informative answers on all points such as this, so we have gathered the relevant information on this page.

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Find a car

Find a car

It doesn't take long to compare car insurance quotes from over 100 leading brands and save up to £270*. Save on your car insurance and Get Money Calm.
SOURCE: Find a car http://www.moneysupermarket.com/car-insurance/ Find a car

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