Car Insurance
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Compare more than 130 providers and you could save up to £518 ₍₁₎
Quotes provided by Quotezone
Compare insurance quotes from over 130 UK providers
You’ll need three things to compare car insurance via Switch & Save
Basic details about your car
The system will quickly find your car’s make and model using your registration number. You’ll need to know its estimated value, security features, and your annual mileage.
Basic details about you
Your name, age, address – plus your occupation, driving history and previous claims on your car insurance policy.
What coverage level you want
Choose between fully comprehensive cover, third-party, fire and theft, or third-party only. You’ll also be asked how you use your car and what level of excess you prefer.
What type of car insurance do I need?
You’ll need at least third-party car insurance to drive legally on UK public roads. Driving without valid insurance can result in fines, penalty points and disqualification.
Comprehensive insurance
As the name suggests, this is the most comprehensive kind of insurance. It covers you and your car, as well as damage and injury to someone else if you’re involved in a collision. With this kind of cover, you can get your car repaired or replaced, even if the accident was your fault, or you are hit by an uninsured driver.
Third party, fire, and theft insurance
Third party, fire, and theft insurance. Also known as TPFT insurance, gives you everything you’d expect from third-party cover, but also protection if your vehicle is stolen, damaged, or written off because of fire.
Temporary car insurance
Short term car insurance is available from as little as one hour, providing great flexibility and affordable options. You can also find short-term car policies that cover you on a daily, weekly and monthly basis.
How much is car insurance?
In 2025, average car insurance cost £591.63 ₍₈₎ for UK motorists, according to Quotezone. When it comes to individual costs, it will depend on how likely you are to make a claim on your insurance policy. Insurers use the details you provide when you get a quote to judge how risky you are to insure.
Some of the biggest risk indicators are your age and location.
Is car insurance getting less expensive?
Car insurance prices reached a peak in 2023. People and businesses were claiming more on their insurance, and the cost of fulfilling the claims went up. As a result, motor insurance costs in the UK reached a 5 year high at the time. However, insurance cost data shows that premiums were continuing to fall in 2025 until the last quarter, when there was a slight increase. They are, still 21% cheaper than this time last year. In December 2024, the average yearly quote was £133 higher than it was 12 months later. That means if you’re paying for an old policy, there’s a good chance you could get a better quote now.
How to bring your car insurance costs down
Pay annually
One way to bring costs down is to pay your car premium annually. You can save on the interest charges that are applied when paying monthly
Stay secure
Preventing theft or damage to your car by parking on a private driveway rather than a public road could save you up to £140 ₍₉₎ on your insurance. Upgrading security systems like engine immobilisers or GPS trackers could also help get you cheaper insurance premiums.
Cut car insurance with a Black Box
Black box or telematics insurance policies are a great way to get cheap insurance for first-time drivers. Especially for 18 to 24-year-olds who could save over 6% ₍₁₀₎ on their premiums with these policies. A black box (or telematics) car device is a small unit installed in a vehicle to monitor driving habits like speed, braking, acceleration, and time of day. It sends this data to insurers to calculate premiums based on actual driving performance, often offering lower insurance rates for safe drivers.
Buy at the right time
The best time to renew your insurance is typically 15-24 days ₍₁₁₎ days before your insurance is due to renew. When you use Quotezone to buy a car policy, we will email your renewal reminder at this time so you don’t miss out on savings.
Additional coverage options
Add on more coverage and benefits to get a car policy that suits how you drive. Optional extras can provide enhanced protection beyond standard, comprehensive policies. Key add-ons include breakdown cover, personal accident, legal expenses, key cover, protected no-claims bonus, and hire car/courtesy car options. These help tailor insurance to specific needs, such as coverage for misfuelling or windscreen repairs.
✓ Breakdown cover
Car breakdown cover offers roadside assistance to help get you back on the road when your car breaks down. This kind of cover provides essential peace of mind and roadside assistance if your vehicle breaks down, covering issues like flat batteries, engine failures, or punctures. It ensures you aren't left stranded in dangerous locations, helps you avoid high, unexpected, one-off repair bills, and often includes towing or fixing the car on the spot.
✓ Windscreen cover
When your windscreen is cracked or chipped, windscreen cover will pay to repair or replace the glass. This kind of cover is well worth having to avoid high out-of-pocket costs for repairing or replacing glass damaged by stone chips, debris, or bad weather. It covers the expense of fixing, replacing, and sometimes recalibrating modern ADAS camera systems in windscreens, often with a lower excess and no impact on your no-claims discount.
✓ Excess protection
Excess protection cover lets you claim back any voluntary or involuntary excess you’ve paid when claiming on your car policy. It is a typically low-cost, add-on policy that reimburses you for the voluntary and compulsory excess you pay when making a car insurance claim. It is designed to save you from paying out-of-pocket costs which can stretch to hundreds of pounds on fault, non-fault, or theft claims, thereby offering peace of mind and financial security.
✓ DOC cover
Driving other cars, or DOC insurance covers you for driving other people’s cars, as long as you have their permission. While not a policy most people need, it offers incredible flexibility. It is an add-on to comprehensive insurance that allows you to legally drive another person's car without being a named driver on their policy, typically for emergencies. It provides third-party coverage, protecting you against costs if you damage someone else's property or injure someone while driving that car.
✓ No claims bonus protection
A long no-claims history can go a long way towards getting more competitive insurance quotes for your car. No claims bonus protection means you can keep these savings even if you make a claim.
✓ European cover
European car insurance provides comprehensive coverage when you drive abroad. It means you have protection when driving in EU countries, including Ireland. This is a great option for those who love to travel or are planning a big Continental trip.
Making a claim on car insurance
Being familiar with the basics of making a claim before an accident can help make an unpleasant situation much less stressful. Knowing what to do after a car accident means you can stay calm, and get the information and evidence you need for a smooth and quick resolution. Learning the ropes now only takes five minutes, but it could save you a lot of hassle down the line.
✓ Report the incident to your insurer
Regardless of whether the accident was your fault or if you were hit by another driver, contact your own insurer. Let them know the date, time and location of the incident. and any other parties involved. Reporting a car accident to your insurance provider is crucial to comply with policy terms, protect against future liability, and ensure coverage, even if the incident was not your fault or you choose not to make a claim. Failing to report can lead to invalidated insurance, denied future claims, and higher premiums.
✓ Send supporting documents
You will need to share your insurance policy number and any documents that support your claim. This can be a police report, photos, dash cam footage, or contacts for witnesses.
✓ Assessment and repairs
Your insurers will investigate the claim and its evidence and will authorise compensation or repairs through a chosen garage if the claim is approved.
✓ Claim settlement
When the claim is settled you will be reimbursed for the repairs to your car. How long it will take to settle your insurance claim will vary depending on the insurer and the complexity of the claim.
✓ Insurance providers we work with
Our partner Quotezone connects customers with trusted UK insurance providers, partnering only with FCA-registered brokers and insurers. The comparison system compares car policies from over 130 insurers, including both well-known names in the industry and smaller specialist insurers.
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