While the average car insurance cost in the UK is £419 a year, see how your age, car and location can affect premiums by up to 500% or more.
The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.
In the second quarter of 2022, the average cost paid for car insurance in the UK was £419 a year according to the ABI. Motor insurance rates have generally dropped in recent years—however, car insurance is still one of the biggest costs of owning and running a car. Here's how your premium may differ depending on factors like the type of car you drive, your age and even where you live.
The average cost of UK comprehensive car insurance was £419 between April and June of 2022. However, your age, car and location can affect the price you pay by up to 500% or more. So can how you use your car—with delivery drivers and couriers paying more than £2,000 a year for their hire & reward car insurance.
Due to intense competition in the industry, car insurance costs have actually decreased over the past few years. And the impact of motorists making fewer journeys due to the COVID-19 lockdown has further caused prices to drop during 2020 and into 2021. Here's the real data on the actual average price paid by motorists for comprehensive car insurance in the UK by quarter:
Is this how much you should expect to pay for car insurance? Not necessarily. For starters, the figures above reflect just one type of car insurance—comprehensive. Despite this being the 'best' type of cover, the other types (Third Party Only and Third Party, Fire & Theft) can cost more.
'Scott' won’t be walking away scot-free.
