Car insurance
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Compare car insurance quotes
It’s quick and easy to compare car insurance and find cheaper cover – we just need a few details about you and your vehicle.
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Let us know your car details
The make, model and year, as well as any modifications you or previous owners have made.
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What cover do you need?
How do you use your car? Tell us your annual mileage and choose from fully comp, third party or third party fire and theft policies.
Car insurance companies we work with
We look for quotes from over 175 trusted UK car insurance companies[2] including:
Join thousands of happy customers who've compared car insurance and rated us[1]
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Compare car insurance quotes and see if you could save
What type of car insurance do I need?
u’ll need third party cover as a minimum. It’s compulsory, and you can’t legally drive without it. But exactly what you’re covered for depends on the type of policy you choose.
Comprehensive car insurance
This is the most extensive cover you can get. It covers you for:
- Repair or replacement costs if your car is damaged or written off.
- If your car is stolen or catches fire.
- Claims made against you by other people, passengers and their property.
- It may differ by policy, so check what you’re covered for.
Find out more about fully comprehensive car insurance.
Third party, fire and theft
This covers you for:
- Damage to other people, passengers or their property.
- Your car is covered if it gets stolen or damaged by fire too.
- If you’re responsible for an accident, it won’t cover repairs to your vehicle or your own medical costs.
Find out more about third party, fire and theft (TPFT).
Third party only
This is the most basic level of cover:
- It’s the lowest level of cover you need to legally drive your car in the UK.
- You’ll only be covered for damage you cause to other people, passengers, or their property.
- There’s no cover for you or your car.
- If your car’s stolen, damaged or catches fire you won’t be able to claim back the cost.
Find out more about third party only (TPO).
Car insurance guides
- Check fuel prices near you
- How to make a car insurance claim
- Windscreen cover
- Electric car insurance
- Adding named drivers
- Car insurance guides
Over £11 million refunded.^^ Get up to £250 excess refunded on your car insurance.^
Claiming on your car insurance is stressful enough, without the added cost of your excess.
Find a silver lining with our Excess Refund Reward. We’ll refund up to £250 of your excess once your claim’s settled. So far, we’ve paid back over £11 million to our customers.
^Up to £250 refunded after claim settled. Car insurance purchases only. Excludes breakdown, windscreen and glass repair/replacement. Full T&Cs apply.
^^Between July 2019 and July 2024, over £11 million in excess protection claims have been paid to Go.Compare car insurance customers.
Do I need car insurance?
Car insurance is a legal requirement if you’re driving in the UK. Find out more about choosing the right cover.
Car insurance for over 50s
Having a wealth of driving experience means car insurance for over 50s is usually cheaper – and there are insurers that offer specialist insurance too.
Car insurance for over 50s
Having a wealth of driving experience means car insurance for over 50s is usually cheaper – and there are insurers that offer specialist insurance too.
Insurance for new drivers
New and young drivers always pay more. But it doesn’t mean you can’t get insurance, or you can’t get a good deal.
Learner driver insurance
Learner drivers have a few options for getting covered before taking their test – whether that’s in your own car, or someone else’s.
Car insurance tools
- Check when your MOT is due
- Mileage calculator
- Check your insurance group
- Fuel price calculator
How much does car insurance cost?
Insurers use statistics to work out how likely you are to make a claim on your car insurance – and that’s what sets the price.
The median price of a comprehensive policy is £447. Third party, fire and theft (TPFT) is a little less at £446, and third party only (TPO) is much more, at £581.[4]
These are just averages though – your quotes will depend on a lot more than just the cover type you choose. Your age, the car you drive, mileage and driving history all play a part.
*[4]Median cost of annual car insurance bought through Go.Compare between September 2024 and November 2024. For comprehensive cover it was £447. For third party, fire and theft (TPFT) it was £446. For third party only (TPO) it was £581.
Why has my car insurance gone up?
When it comes to your car insurance renewal, you might find your premium has increased. This could be down to changes in your personal circumstances, like a change of address or job, or external factors like rising costs for replacement parts and repairs.
Inflation has played a major part in driving up the cost of car insurance in recent years. Though with the latest figures there’s some positive news for consumers, with prices continuing to drop as inflation eases.
A study by Consumer Intelligence the average cost of car insurance fell by 8.8% in the year leading up to January 2025. This is mainly due to a record 6% decrease over the last three months.
This trend is supported by data from the Association of British Insurers (ABI) that shows average motor insurance premiums fell by 2% between January 2024 and the final quarter of last year. Despite this, average prices were still 15% higher in 2024 than they were in 2023.[3]
So while average car insurance prices are coming down, your own premium could still be higher than it was last year. That’s why savvy drivers should compare deals to find potential savings.
Tom Banks – Car insurance expert
How could I get cheap car insurance?
Car insurance can be expensive, but there are ways you could save money:
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Pay annually
Paying upfront always works out cheaper than paying monthly, because there’s no interest or finance arrangement fee.
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Tighten security
Alarms and immobilisers reduce theft risk. Look for Thatcham-approved devices – some insurers will offer a discount if you have them.
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Choose a less powerful car
In the market for a new car? Sporty cars with large engines tend to cost more to insure.
4
Drive less miles
The lower your mileage the less you’ll pay. But don’t underestimate your mileage either – it’ll invalidate your insurance.
5
Consider a telematics policy
Telematics insurance policies use a black box or app that tracks your driving to calculate your insurance.
Check out our other top tips for cheaper car insurance to find more ways to reduce the cost. Or find out more about the cheapest cars to insure.
Car insurance that's right for you
Standard car insurance not what you need? We’ve got loads of different policies for you to pick from.
Multi-car insurance
Multi-car insurance can work out easier and cheaper if you’ve got more than one car to insure.
Temporary car insurance
If you only need to drive every now and again or for less than a month, short-term car insurance could work out cheaper.
Classic car cover
For additional cover – like spare parts, salvage retention and agreed value – protect your vintage vehicle with classic car insurance.
Business car insurance
If you use your car for work, you’ll need the right insurance to be properly covered. There are three different classes of business use you’ll need to pick from.
GAP insurance
It’s intended to pay the difference between what you paid for your vehicle and what your insurer pays out in the event of a total loss or write-off.
Black box insurance
It can reduce how much you need to pay for car insurance if you are driving safely. However, if you don’t drive safely your premiums could go up.
Car insurance - Upgrades and additional cover
There are some optional extras you can add to your car insurance. There’ll probably be a charge for them, so only add what you actually need.
Breakdown cover
Choose from three levels of cover – roadside assistance, roadside assistance and recovery or roadside, recovery and home start.
It’s often cheaper to buy your breakdown cover separately from your car insurance, so make sure you’re getting value for money by comparing it on its own.
Courtesy car
If your car is damaged because of an accident, your insurer can provide a courtesy car while it’s being repaired.
You’ll have to use one of its approved repairers and check for exclusions.
Legal expenses
Legal assistance helps you claim from the person responsible if you’re involved in an accident and it’s not your fault.
It’ll also help to pay to defend a claim brought against you.
Lost or stolen keys
If you lose your keys, or they get stolen, lost key cover can help with the cost of replacing them.
Getting high-tech keys replaced can easily run to hundreds of pounds
Misfuelling cover
Covers the costs of draining and cleaning your tank if you’ve put in the wrong type of fuel.
It probably won’t cover the costs of damage to your engine if you drive away.
Personal injury
Personal accident cover compensates you for injuries caused by a car accident.
The claim limit varies between insurers, and other drivers and passengers are sometimes covered too.
You’d only claim on personal accident cover if the accident is your fault. That’s because if an accident isn’t your fault, the at-fault person’s insurer will pay out for any personal injury claims.
Windscreen repair and replacement
Covers the repair of chips and cracks to your car’s windscreen – sometimes it’s a free extra.
It can also cover the replacement of your windscreen if it can’t be repaired, but you might have to pay an excess, which is usually different to the standard policy excess on other claims.
No claims discount protection
For every year you drive claim-free, you’ll get a discount on your car insurance.
It’s valuable and has such an impact on the price of your insurance that you can protect it. That way, if you need to claim, it won’t reduce your no claims history.
Customer reviews
29/12/2024
Car insurance quote was an excellent price with all the add ons I wanted
Sarah Anderton
Cheap and easy
Mr Scott Taylor
Cheaper than my renewal price, and with this new insurance includes breakdown cover.
Chris Johnston
A lot cheaper than renewal quoted. With a company I trust
Swain
Frequently asked questions
Is it free to compare car insurance with Go.Compare?
Yes! Our service is completely free to use so you can get as many car insurance quotes as you like.
Does lower mileage mean cheaper car insurance?
You need to be accurate and honest when you declare your annual mileage to get car insurance quotes.
Put in a mileage that’s too low and you risk invalidating your cover, which could cause problems if you need to make a claim.
But if you put a higher mileage than you actually drive, you risk paying too much.
According to our research, car insurance is nearly £50 cheaper if your mileage is 6,000 a year compared to 10,000.[5]
You can check your past MOT certificates to see how many miles you’ve driven previously. Or try our mileage calculator.
How does my job affect my car insurance?
The impact of your job title on how much your car insurance costs relates to risk factors. So if your job is seen as higher risk by insurers, this is reflected in your premiums. Don’t change your job title to try to reduce the price of your quotes, unless the alternative title genuinely describes your job accurately. Always be honest – if you lie you could invalidate your cover.
What are the rules for car insurance prices for new and existing customer?
The Financial Conduct Authority (FCA) introduced rules to make car insurance pricing fairer for existing customers. The new rules mean that insurers must offer the same price to both new and existing customers. Find out more.
How do I work out my car’s value?
When you get a quote, we’ll help you by estimating what your car’s worth based on its age and mileage – but you can change it if it doesn’t seem right. There are tools online that can help you work out your car’s value. Always give an honest valuation. A ballpark estimate is fine to use because insurers usually pay out based on average market value.
Our awards and accreditations
We’re chuffed to say we’ve received some snazzy recognition since we started in 2006. Here’s a bit more about our awards and accreditations:
We’re authorised and regulated by the FCA, which oversees financial services firms and markets in the UK. That means you can compare quotes and get cover with confidence.
We hear you – ‘But you’re not an insurer?’ you say. And you’re right. But our shared goal of doing right by customers is why we’re the only comparison site to be invited to join them.
We work with the IFB to fight against fraud in the insurance industry. We use their specialist fraud intelligence and data to improve our systems and raise awareness of scams.
Latest car insurance guides
Page last updated: 26 March 2025
Page reviewed by: Tom Banks
^Up to £250 refunded after claim settled. Car insurance purchases only. Excludes breakdown, windscreen and glass repair/replacement. Full T&Cs apply.
[1]Based on Trustpilot: Our average rating of 4.8 out of 5 is from 43,541 people who left a review for car insurance comparison only. Last checked 07 April 2025.
[2]As of 2 April 2025, there are 176 active car insurers on the panel at Go.Compare.
[3]According to the ABI, last checked 26 March 2025
[4]Median cost of annual car insurance bought through Go.Compare between September 2024 and November 2024. For comprehensive cover it was £447. For third party, fire and theft (TPFT) it was £446. For third party only (TPO) it was £581.
[5]Median price paid annually for comprehensive car insurance between July and December 2024, split by mileage.