Car insurance

Save up to £262* on your car insurance

Save up to £262* on your car insurance

Recommended by 92% of users!**

Recommended by 92% of users!**

Compare deals from over 100 providers***

Compare deals from over 100 insurers***

Cheap car insurance from 100+ providers:

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Compare car insurance quotes with Money Expert

Whether your current policy is approaching its renewal date, or you’ve just bought a new car and need cover so you can drive it, you could save yourself over £260* by comparing policies with Money Expert.


Tell us about you and your car

We’ll need some basic personal information, as well as details on the make, model, and age of your car.


Tell us what type of cover you need

Let us know what type of policy you’re after, and provide some detail about how you use your car.


Choose the right policy

We’ll show you a bespoke list of policies, generated based on your requirements. All you need to do is pick the one that’s right for you.

You'll need the following information ready to get an cheap car insurance quote:

Young woman driving car

About you

In order to show you an accurate list of quotes, you’ll need to supply some information about yourself, including:

  • Name
  • Age
  • Contact details
  • Occupation
  • License details
  • Claims history

About your car

Similarly, we’ll need details about your car, since they’ll affect the value of the quotes you’re offered. This includes:

  • Make, model, and age
  • Value
  • Features (number of seats, etc)
  • How you use it
  • Estimated annual mileage
  • Where you’ll keep the car
Row of parked cars

What level of car insurance do I need?

What is fully comprehensive insurance?

Fully comprehensive insurance offers the highest level of cover available. You will be covered if your car is damaged or written off, if your vehicle is stolen or catches fire, as well as any medical expenses.

Comprehensive policies can often be quite different, so you should always check what is covered before you buy.

Who is it for?

Most drivers. Fully comprehensive policies almost always offer the best value for money. Always check what each insurance provider actually includes in their fully comp policies.

Find out more: Fully comprehensive car insurance

Key features


Highest level of cover available.


Often the most expensive level of insurance.


Covers damage if you're involved in an accident, theft, medical expenses, fire damage, and theft of your vehicle.

What is third party, fire and theft?

A third party, fire and theft (TPFT) policy will cover the costs of damage to another person, their vehicle, or property, if you are found at fault for causing the damage.

If you’re involved in an incident and are found responsible, you will not be covered for any repairs or medical bills. You will be covered against theft, damage done during an attempted theft, and fire damage to your car however.

Who is it for?

Not many people. Third party, fire and theft cover actually tends to be more expensive that fully comprehensive cover, but offers less in the way of protection.

Find out more: Third party, fire and theft cover

Key features


Damage to another person, their property, or vehicle, is covered.


You’ll be covered if your car is stolen or involved in a fire.


Damage to your car and yourself isn’t covered if you are found at fault.

What is third party only insurance?

Third party only (TPO) car insurance is required to drive your car in the UK legally. Your insurer will pay out if you damage another person’s vehicle or property, but they will not cover any repairs you need to make to your own vehicle.

Who is it for?

The budget conscious. Third party only cover doesn’t offer much, but will often be the cheapest form of insurance available – this isn’t always the case though, and it can prove false economy even when it is.

Find out more: Third party car insurance

Key features


The minimum legal requirement for driving your car in the UK.


Covers other people’s vehicle or property if you damage them in an accident.


Usually the cheapest insurance available to drivers.

How much does car insurance cost?

The price of your cover depends on a number of factors, including the type of cover you choose, your no claims bonus, and your age and driver profile.

Type of cover Average premium cost1
Fully comprehensive £973
Third party, fire and theft £1,422
Third party only £2,559

1Average annual cost based on quotes delivered to 59,564 Money Expert customers between Jan-Aug 2021

How does the type of cover you choose affect your insurance premiums?

This might seem counterintuitive, but fully comprehensive car insurance policies tend to actually be the cheapest, despite offering the most cover.

We found that fully comp policies cost an average of £973 a year, while TPFT comes in at £1,422, and third party-only as high as £2,559.

A key reason for this is that drivers with third party-only cover are more likely to be involved in accidents.

How much does a no claims discount affect car insurance costs?

Acrruing a no claims bonus is one of the best ways to cut down your premiums. We found that just one year without a claim can reduce the premiums you're offered by more than 25%, and by 5 years your cover can be 60% cheaper.

The longer you go, the better your discount will be, but it's those first 5 years that count the most.

Because of this, it can often be worth paying out of pocket for smaller repairs (like fixing minor scratches) instead of making a claim. By maintaining your NCB, you may well save more money than you'd get get paid out.

chart showing average car insurance costs compared against years spent with no claims

Get cheaper car insurance quotes

There are certain things you can do to improve your chances of getting offered cheaper quotes, regardless of what kind of car you drive or what your profile as a driver looks like.


Pay upfront

Paying upfront annually works out cheaper, as no finance arrangement is needed.


Improve your security

Security devices like steering wheel locks will push down your premiums, as will parking off-road.


Increase your voluntary excess

Higher excess can mean lower premiums. Don’t make it too high though, in case you need to claim!


Build up your no-claims discount

If you don't claim, your no-claims bonus will lower your premiums.


Drive fewer miles

Driving fewer miles per year will reduce the price of your policy.


Get a telematics policy

Installing a black box, or telematics device, can help lower your premiums.

Car insurance upgrades and additional cover

There are a number of different add-ons that you can purchase to enhance your cover. Some of these will be particularly useful for certain types of driver (e.g. European cover if you drive abroad often), and some more useful in a general sense (e.g. breakdown cover).

All of them cost money, but some can save you money in the long run. We’ve outlined some common add-ons here to help you decide if they’re right for you.

Windscreen cover

Windscreen cover

Covers the repair of chips or cracks to your car’s windscreen.

Breakdown cover

Breakdown cover

Makes sure you get home or to the nearest repairer if your car breaks-down.

Personal accident cover

Personal accident cover

Provides you with compensation if you or a passenger is injured or killed in an accident.

Courtesy cover

Courtesy car

Car being repaired? Your insurer will provide you access to a courtesy car.

No claims discount protection

No claims discount protection

Allows you to make a certain number of claims per year which do not affect your no claims discount.

Lost or stolen keys

Lost or stolen keys

Your insurer will cover the cost of replacing your keys if they’re lost or stolen.

How your driver profile affects the cost of your car insurance premiums

Car insurance prices will vary depending on certain key facts about you, the driver. Older, more experienced drivers tend to be offered cheaper quotes, for example. Have a look below to find out how these different factors are likely to affect your premiums, and how to find the cheapest car insurance quotes given your circumstances:

Different types of driver

Younger drivers – especially under-25s – will pay much more than their older counterparts for car insurance, other things being equal. This is because drivers aged 17-24 are statistically far more likely to be involved in road traffic accidents than those aged 25+. You’re not totally out of luck if you’re a younger driver though – getting a telematics policy, or adding a named driver can help bring down your costs.

Find out more: Car insurance for younger drivers

Car insurance gets cheaper as you get older, right up until around the age of 70-75. After that, cover can get more expensive as the likelihood of you having a medical condition that affects your safety behind the wheel increases. Nevertheless, even for drivers over 80, you can still expect to pay less than most below the age of 60.

Find out more: Car insurance for older drivers

If you’re new to driving altogether, no matter your age, you can expect to pay a bit more for your cover than an experienced driver would. Choosing a smaller, less powerful car for your first set of wheels can be a good way to cut costs down. If you’ve already bought your car, then choosing a policy with limited mileage while you build up some experience (and a no claims bonus) can be a good idea.

Find out more: Car insurance for new drivers

Insurance providers are legally prohibited from charging you more for your cover on the basis of your disability. However you will likely have particular needs that might not be covered by standard policies, including cover that takes into account any modifications to your vehicle like wheelchair lifts or adapted steering wheels.

Find out more: Car insurance for disabled drivers

Car insurance gets a lot more expensive if you’ve got a criminal conviction or points on your license. As a result, it’s all the more important to make sure you get a good overview of what your options are by comparing as many policies as possible.

Find out more: Car insurance for convicted drivers

If you drive your car for a living, you’ll be using it in ways that might exceed what a normal policy would cover. Your mileage will be much higher than a normal drivers’ for example, and you might need cover in case of injury to your passengers.

Find out more:

What type of car do you want insurance for?

Smaller, less powerful cars tend to be cheaper to cover because they’re less likely to be involved in accidents. Popular and inexpensive cars also tend to be cheaper to cover because replacement parts are easier (and cheaper) to get hold of.

Some types of car will have unique requirements that mean you might need a specialist policy to cover what you need. If you drive an electric car, you’ll want cover for batteries and charging cables. If you’ve modified your car, for performance or accessibility, you’ll want to ensure that your modifications are insured.

How vehicle modifications affect the cost of your car insurance

Any changes you make to your vehicle after you buy it are going to affect the price of your insurance. The same applies for any modifications the previous owner made, if you’re buying second hand.

Most common modifications that make your car more powerful or look more attractive will make your insurance more expensive. But some – such as added security devices – can make your insurance cheaper. Here are some common modifications listed by the effect they’d have on your premiums:

Mechanic modifying car

Make your cover more expensive:

cross Tinted windows
cross Alloy wheels
cross Spoilers
cross Paint jobs
cross Engine enhancements/replacements

Make your cover cheaper:

check Immobilisers
check Parking sensors
check Upgraded alarms
Jason Smith - Car Insurance Expert

Money Expert CEO Jason Smith, on Car Insurance

Even a faultless driver can get stung with a bad deal - so you should always shop around when your car insurance renewal date approaches. Money Expert can help you compare quotes from over 100 providers so you can switch to a new, better deal if you find one that's right for you.

Why use Money Expert?

Rated on Trustpilot 4.6 / 5 based on 15,167 reviews**
Save £262 on your car insurance

Save up to £262 on your policy*

Recommended by 92% of users!**

Recommended by 92% of users**

Compare deals from over 100 providers***

Deals from over 100 auto insurance providers***

Finding cheap car insurance with Money Expert couldn't be simpler. We only need a few details about you and your car to compare deals from over 100 insurers. The whole process only takes a few minutes!

Be the Money Expert. See how much you could save today.

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Helpful information on car insurance

We endeavour to keep our users fully informed when it comes to making a purchasing decision. Please read through our handy guides to find the information you need.

Frequently asked questions

Do I need car insurance?

Legally, you must have at least third party cover for any car used on roads and in public places in the UK. This will cover for accidental damage against someone else's vehicle or property, but won't cover damage to your own vehicle.

Do I need car insurance if I'm not driving my vehicle?

If you drive or own a vehicle you are legally required to have third party insurance, at a minimum. If you have a car that you don't use then you can avoid paying to insure it by taking out a SORN (Statutory Off-Road Notification), and keeping it off the road (e.g. in a garage).

Can I drive someone else's car on my policy?

It depends.

Some insurance companies offer cover to drive cars which are not your own as an add-on, but this isn't commonplace.

Before driving someone else's car, be sure to check your policy documentation or call your insurer directly. If you aren't covered, you can always take out a short-term or temporary car insurance.

Why is insurance more expensive for younger drivers?

Statistically speaking, younger drivers (aged under 25) are more likely to be involved in accidents. With increased risk on the part of the insurer comes and increased financial burden on the part of the driver. Insurance prices dramatically reduce when you turn 25.

What is a no-claims bonus (NCB)?

A no-claims bonus is a discount you can get on your insurance premiums by having a number of years in which you haven’t made a claim on your policy.

The longer the period of time you have gone without making a claim, the larger the discount you will be given on your premiums.

If you have a good history of not claiming and have a minor accident, it is often worth looking at paying for the repairs yourself; it will save your no claims discount from being reset and might work out better financially in the long term.

Can I protect my no claims bonus?

Yes you can. Some insurers will allow you to protect your no claims bonus if you are in an accident, but for an additional annual fee. It is worth investigating how much this fee is against how many year's no claims discount you have already; if you don't haven't gone too many years without claiming it might not be worth the additional cost to your premium.

Can I lose my no-claims bonus if I haven’t driven in a few years?

There isn't an industry-wide rule regarding this. However, if you haven’t had an active car insurance policy for more than 2 years, you may struggle to get your new insurer to honour your previous no-claims history.

This depends on the insurer you end up going with though, so it is best to check with the provider if they are an exception to this general rule.

Can I get car insurance for a vehicle I don't own?

Yes, and there are a few different options.

If you are buying your own insurance policy, you will need to tell your new insurer that you are not the owner of the car when applying.

Otherwise, you can add yourself as a named driver onto the car owner's policy. This is commonly done if the car belongs to a family member or partner.

What is excess on a car insurance policy?

The car insurance excess is the amount you commit to paying if you make a claim your car insurance.

Usually the higher your excess, the lower the cost of your policy. When taking out a new policy you can volunteer to increase your excess to decrease the overall cost of the policy.

What should I do if I am in a car accident?

If you are in a car accident, the first thing to do is stop! It is an offence to drive away.

After that you should take the following steps:

  • Check yourself, passengers, and any other people who were involved in the incident to see if they need medical assistance. Call an ambulance if needed on 999.
  • Take the details down of any other parties involved in the incident, including their vehicle registration number and who their insurance company is. If you can, collect details from witnesses as well.
  • Take photos if necessary.
  • Contact your insurer.

For more information on what to do, check out our helpful guide on making a claim.

Does my credit score affect the cost of car insurance?

Car insurance providers look at a range of different factors when offering policies, including a driver's age, job, driving history, and credit score. Your credit score could affect your car insurance premium, as well as the likelihood you will be offered a policy by a provider, but it is not the only factor taken into account.

Last reviewed: 1 January 2022

Next review: 1 February 2022