Save up to £530* on car insurance

By Emily Rivers
Last updated 23rd May 2024

What is car insurance covering?

There are three types of car insurance with different amounts of cover:

Third party only: The most basic, but not necessarily the cheapest. This only covers injury and damage to other people and their vehicles or property. You, your car and property are not protected.

Third party, fire and theft: This covers your car and property if it is stolen or damaged due to fire, as well as injuries and damage to other people and their property. It doesn’t include injury to you or accidental damage to your car or property.

Comprehensive: This offers the most cover, protecting against fire and theft, plus damage and injury to both you and any third party. It also covers windscreen replacement and repair.

Cheap car insurance

How much does car insurance cost?

Car insurance costs hundreds of pounds each year, but it depends a lot on the age of a car, model, area the car is kept, plus the driver’s previous experience, claims and penalties. 

While every scenario is different, we compared policies from the 110 car insurance providers used by our partners at QuoteZone to find ballpark figures for common vehicles. 

The most popular used car for 2022 was the Ford Fiesta, according to the Society of Motor Manufacturers and Traders, so we based our cost calculations on this model. 

We looked at the cost of insurance for a 2018 Ford Fiesta with a 1.5litre engine worth £10,000.

In our test we used a driver aged 40 with no driving convictions, who parks their vehicle on a private driveway in Essex and drives 10,000 miles a year. The policy had a £500 excess with five years of no claims. The car is parked in the driveway during the day and is used for socialising and commuting. 

The cheapest comprehensive deal we found was with Admiral for £571.23 for the year. The below prices are for policies paid in one lump sum annually.

Comprehensive: £571.23

Third party, fire and theft: £532.86

Third party only: £558.44

How do you get cheap car insurance?

The first and easiest way to get cheap car insurance is to compare prices using a search tool. We work with QuoteZone to offer access to a quote tool with 110 car insurance providers which is free and uses just one simple form. You can then tweak the search terms to see if you could get a better deal with different requirements.

Another very simple way to get cheap car insurance without having to sacrifice anything on your policy is to pay annually rather than monthly. In our test we found paying monthly for a policy on a Ford Fiesta added almost £100 to the price, with slightly worse benefits, such as a higher excess. 

Increasing the excess – the amount you pay before an insurer funds a claim - does not make much difference on the cost of the cover, with only £3 knocked off the comprehensive policy for the Ford Fiesta when we bumped our excess up from £500 to £1,000. Many providers offer zero excess on their policies to tempt customers to choose them. 

Selecting a less detailed policy also does not affect the price that much. In fact, third party, while providing the least protection, is actually more expensive than third party, fire and theft, and in some cases more expensive than comprehensive. This is because insurers see younger, more accident-prone or reckless drivers choosing third party, but find there are more claims made on these policies. Insurers would rather reward careful drivers who probably don't cost them as much in claims.

If you have access to more than one vehicle, insurers sometimes offer a discount (we found a policy about £20 cheaper in our test when we said we owned or used another car).

How do I know my car is taxed and insured?

If you’re not sure if your car is taxed and insured there are a few ways to check. Firstly, check your car tax status on the Government’s website where you’ll be asked to type in your registration. Once completed, you’ll find out if your car is taxed and has an up-to-date MOT, plus when they both expire. You can read some other details about your vehicle, such as its cylinder capacity, carbon emissions and wheelplan which can be handy to know if buying a car.

There’s also a handy guide to explain the tax rates, so you can work out how much you’ll have to pay when it comes to renewing your tax, but for this you’ll also need the 11-digit reference number inside your vehicle log book, which is known as a V5C.

If you need to check whether you have car insurance, enter your car registration into the AskMID website and it will tell you whether the vehicle is insured. You can do this for any vehicle registration even if it is not yours. However, it does not show who the vehicle is insured with. If you’ve forgotten who your car insurance is with and need to find out, first check your emails for any confirmation from when you signed up. You can also look back over bank statements to see if money has gone to an insurance company and when – which will indicate when your policy runs out. 

*51% of consumers could save £529.95 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from February 2024 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.

Disclaimer: This information is intended for editorial purposes only and not intended as a recommendation or financial advice.


Job Estimate
Ford Fiesta car insurance £45.00 per month
Vauxhall Corsa car Insurance £51.39 per month
VW Golf car insurance £52.75 per month
Nissan Qashqai car insurance £52.79 per month
Ford Mondeo car insurance £62.95 per month
Volkswagen Polo car insurance £50.29 per month
Nissan Juke car insurance £57.14 per month
Vauxhall Astra car insurance £49.46 per month
Ford Kuga car insurance £75.00 per month
Ford Focus car insurance £53.06 per month
Car Insurance estimated cost per month
Car Insurance approximate cost in the UK per month
Location in UKCar Insurance cost
Car Insurance near Aberdeen£27.60
Car Insurance near Bath£30.00
Car Insurance near Birmingham£49.20
Car Insurance near Blackburn£48.40
Car Insurance near Blackpool£51.20
Car Insurance near Bolton£40.00
Car Insurance near Bournemouth£29.20
Car Insurance near Bradford£33.20
Car Insurance near Brighton£33.20
Car Insurance near Bristol£36.80
Car Insurance near Bromley£46.80
Car Insurance near Cambridge£22.40
Car Insurance near Canterbury£41.20
Car Insurance near Cardiff£37.60
Car Insurance near Carlisle£26.80
Car Insurance near Central London£35.20
Car Insurance near Central London£33.60
Car Insurance near Chelmsford£43.60
Car Insurance near Chester£28.00
Car Insurance near Cleveland£38.80
Car Insurance near Colchester£39.20
Car Insurance near Coventry£52.00
Car Insurance near Crewe£40.40
Car Insurance near Croydon£52.00
Car Insurance near Darlington£37.60
Car Insurance near Dartford£46.80
Car Insurance near Derby£55.60
Car Insurance near Doncaster£44.40
Car Insurance near Dorchester£29.60
Car Insurance near Dudley£49.20
Car Insurance near Dumfrues and Galloway£22.40
Car Insurance near Dundee£31.20
Car Insurance near Durham£34.80
Car Insurance near East London£61.20
Car Insurance near Edinburgh£30.40
Car Insurance near Enfield£54.40
Car Insurance near Exeter£32.00
Car Insurance near Falkirk & Stirling£21.20
Car Insurance near Galashiels£27.60
Car Insurance near Glasgow£46.80
Car Insurance near Gloucester£37.60
Car Insurance near Guildford£38.80
Car Insurance near Halifax£45.20
Car Insurance near Harrogate£37.20
Car Insurance near Harrow£42.00
Car Insurance near Hemel Hempstead£47.20
Car Insurance near Hereford£36.00
Car Insurance near Huddersfield£50.40
Car Insurance near Hull£42.00
Car Insurance near Ilford£49.60
Car Insurance near Inverness£20.40
Car Insurance near Ipswich£41.20
Car Insurance near Isle of Man£39.20
Car Insurance near Isle of Wight£35.20
Car Insurance near Kilmarnock£36.40
Car Insurance near Kingston upon Thames£46.00
Car Insurance near Kirkcaldy£34.00
Car Insurance near Kirkwall£38.00
Car Insurance near Lancaster£39.60
Car Insurance near Leeds£31.60
Car Insurance near Leicester£36.80
Car Insurance near Lerwick£22.00
Car Insurance near Lincoln£36.40
Car Insurance near Liverpool£61.60
Car Insurance near llandrindod Wells£24.40
Car Insurance near Llandudno£31.60
Car Insurance near Luton£61.60
Car Insurance near Manchester£54.80
Car Insurance near Milton Keynes£42.00
Car Insurance near Motherwell£41.20
Car Insurance near Newcastle upon Tyne£38.00
Car Insurance near Newport£32.80
Car Insurance near North London£43.60
Car Insurance near North West London£48.00
Car Insurance near Northampton£49.20
Car Insurance near Northern Ireland£33.20
Car Insurance near Norwich£32.00
Car Insurance near Nottingham£52.00
Car Insurance near Oldam£52.40
Car Insurance near Outer Hebrides£28.80
Car Insurance near Oxford£44.00
Car Insurance near Paisley£33.20
Car Insurance near Perth£30.00
Car Insurance near Peterborough£39.20
Car Insurance near Plymouth£30.80
Car Insurance near Portsmouth£34.00
Car Insurance near Preston£44.00
Car Insurance near Reading£40.00
Car Insurance near Redhill£41.20
Car Insurance near Rochester£44.80
Car Insurance near Romford£44.40
Car Insurance near Salisbury£30.80
Car Insurance near Sheffield£56.40
Car Insurance near Shrewsbury£28.80
Car Insurance near Slough£55.20
Car Insurance near South East London£50.40
Car Insurance near South West London£48.40
Car Insurance near Southall£54.00
Car Insurance near Southampton£36.00
Car Insurance near Southend-on-Sea£41.20
Car Insurance near St Albans£38.80
Car Insurance near Stevenage£42.00
Car Insurance near Stockport£52.40
Car Insurance near Stoke-on-Trent£47.20
Car Insurance near Sunderland£38.00
Car Insurance near Sutton£50.00
Car Insurance near Swansea£33.20
Car Insurance near Swindon£34.40
Car Insurance near Taunton£32.40
Car Insurance near Telford£38.40
Car Insurance near Tonbridge£41.20
Car Insurance near Torquay£36.00
Car Insurance near Truro£28.00
Car Insurance near Twickenham£45.60
Car Insurance near Wakefield£36.80
Car Insurance near Walsall£46.80
Car Insurance near Warrington£42.80
Car Insurance near Watford£45.20
Car Insurance near West London£46.80
Car Insurance near Wigan£38.00
Car Insurance near Wolverhampton£53.60
Car Insurance near Worcester£35.60
Car Insurance near York£38.80