NEW! Our Hero’s Journey tool can help you with your next step towards financial freedom - click here to try now.
Advertiser Disclosure

Compare Car Insurance

If you have a car, even if you only occasionally drive, you must have car insurance. As such, it makes sense to compare car insurance, find the lowest prices and save money. Luckily, finding cheap car insurance does not have to be complicated.

Hero Tips: Must knows when comparing car insurance

  1. Compare car insurance on multiple comparison sites

    Ever notice the small print on car insurance comparison sites? It usually says something like ‘50% of customers could save so many pounds’. What happens to the other 50%? They may not be getting the best deal from that site. That's why it can pay (literally!) to check multiple sites for the cheapest deal.

  2. Check and double check!

    Once you've entered all of your information, make sure it's correct! Even small mistakes could land you with more expensive car insurance. And once you have found the cheapest auto policy, be sure to carefully review the policy details. Remember: you want the cheapest policy that also meets your needs.

  3. Reduce costs by choosing the details wisely

    There are choices you can make that could lower the cost of your policy. For instance, you can raise your voluntary excess or avoid add-ons like breakdown cover or protected no-claims. But do think this through. We're all thumbs up for cheap insurance coverage, but a lower excess can save you money in the case of a claim, and a long-running no-claims bonus can often be worth protecting. So do consider the trade-offs.

  4. Paying annually is a great way to save

    You'll have a bigger amount due if you choose to pay your insurance policy annually, but it could save you a lot. Monthly payments on an auto insurance policy, when tallied across the months, are generally a lot higher than paying in one annual payment. Do the maths on this one to confirm. Simply compare the sum of the monthly payments to the cost of the full-year payment.


Offers from our affiliate partners appear first and are ordered from highest rating to lowest, followed by other top-rated offers. You can read more about our ratings and page sort here. Offers from affiliate partners are marked with *

 

Comparing car insurance quotes across multiple comparison sites can be a great way to find the cheapest car insurance. Here are MyWalletHero’s top-rated picks for car insurance comparison sites:

Great for: exclusive discounts with some big household names.
5 stars question mark
Confused.com Logo
Apply Now!

On Confused.com's Secure Website

* Affiliate partner

Confused.com’s comparison service offers a clean and simple process which takes any confusion away from getting a car insurance quote. With competitive prices, exclusive discounts and reward incentives, Confused.com offers the full package in an easy-to-use format.

WHAT YOU NEED TO KNOW

  • Pop-up explanation boxes to help you along
  • £20 gift with Confused.com rewards
  • Amongst the quickest and easiest comparison sites to get a quote
  • Accurate estimates automatically populated
  • Decent variety of vendors compared to competitors, yielding 25-30 results in our test

DISCLAIMER

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

what we like

  • Confused.com rewards
  • Good variety of vendors
  • Exclusive discounts

WHAT YOU NEED TO KNOW

  • Pop-up explanation boxes to help you along
  • £20 gift with Confused.com rewards
  • Amongst the quickest and easiest comparison sites to get a quote
  • Accurate estimates automatically populated
  • Decent variety of vendors compared to competitors, yielding 25-30 results in our test

DISCLAIMER

Great for: those new to car insurance.
4.5 stars question mark
GoCo Logo
Apply Now!

On GoCompare's Secure Website

* Affiliate partner

GoCompare’s comparison site is great if you are unfamiliar with shopping around for a good deal on your car insurance. It’s simple and easy to use, and contains a wealth of information. This includes the different types of insurance and what they cost, and tips for lowering your premium.

WHAT YOU NEED TO KNOW

  • Results include provider reviews and ratings
  • Optional extras can be added to results
  • Results include special offers where applicable

DISCLAIMER

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

what we like

  • Offers free £250* excess cover
  • Includes more than 120 providers
  • Offers useful information good for new insurers

WHAT YOU NEED TO KNOW

  • Results include provider reviews and ratings
  • Optional extras can be added to results
  • Results include special offers where applicable

DISCLAIMER

Great for: making savings on big brand names
4.5 stars question mark
MoneySuperMarket Logo
Apply Now!

On MoneySuperMarket's Secure Website

* Affiliate partner

If you like insurance to be straightforward and simple, then this service could be for you. The quote process and the results table mean that you can utilise the tools provided to really find what you are looking for in MoneySuperMarket’s car insurance coverage for the UK.

WHAT YOU NEED TO KNOW

  • Simple and straightforward process
  • Results may hold multiple quotes from the same provider

DISCLAIMER

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

what we like

  • MoneySuperMarket Discounts
  • Good variety of insurance providers
  • Ability to add or remove extra features

WHAT YOU NEED TO KNOW

  • Simple and straightforward process
  • Results may hold multiple quotes from the same provider

DISCLAIMER

Great for: options from lesser-known brands.
4.5 stars question mark

Quotezone is a great comparison service if you are looking for a range of options from some lesser known brands. Its direct comparison features also makes it well suited to someone who doesn’t want to be overwhelmed by information.

WHAT YOU NEED TO KNOW

  • Showcase of unique policy features
  • Adjustable quote feature on results page

what we like

  • Ability to select four policies to directly compare
  • Good variety of vendors
  • A lot of lesser-known providers

WHAT YOU NEED TO KNOW

  • Showcase of unique policy features
  • Adjustable quote feature on results page

DISCLAIMER



Frequently Asked Questions

What is car insurance?

Car insurance protects you from financial loss if you’re involved in a car accident. Your insurer will compensate other people for injury or damage done to their property caused by you. If you have comprehensive coverage, the insurance also covers damage to your car. Some policies will also pay to repair or replace your car if it’s stolen, vandalised or written off.

In most cases, you’ll be able to add extra features onto your policy to give yourself even greater protection -- popular additions include breakdown cover, windscreen cover, and legal expenses cover.

What does comprehensive car insurance cover?

Comprehensive cover is the highest level of car insurance you can buy. It compensates third parties for injury and damage and also pays to repair or replace your car too – even if an accident is your fault. Alternatively, you can opt for third party only cover, or third party, fire and theft. To find out more about typical features and benefits, take a look at our guide to the types of car insurance in the UK.

Do I need car insurance?

In short, yes. Car insurance is a legal requirement in the UK; if you don’t have cover you could be given a fixed penalty, have six points added to your licence and even be taken to court and given a driving ban.

How much is car insurance?

A typical car insurance premium for a comprehensive policy comes in at just under £500. However, the cost can vary depending on a number of factors, which you can explore in our guide to the average cost of car insurance.

How can you get cheap car insurance?

Car insurance provides a financial safety net if things go wrong, so whatever you choose should provide you with a level of protection you’re happy with. That said, there are ways to lower the cost. For example, paying for your policy in one go, rather than monthly, or buying a car that’s less expensive to insure, can lower the cost of your premium.

Does car insurance go on your credit report?

Searching for car insurance is considered a ‘soft search’ which is primarily done to confirm your identity. Soft searches don’t affect your credit rating and shouldn’t show up on your credit report. However, if you decide to pay for car cover in monthly instalments, insurers will run a ‘hard search’ against your credit history, which will show up on your report. Missed insurance payments will also appear on your record and could have a negative impact on future credit and loans.

Can I cancel my car insurance?

Yes, you can but depending on when you cancel, there could be a penalty cost involved.

When you take out a policy, you have a 14-day cooling off period, which means you can cancel for any reason during this time. If you cancel within the cooling off period you won’t be penalised, but you should still expect to pay for any days that the policy was active; there may also be an admin fee. If you decide to cancel part-way through the year (for instance if you sold your car) you can still cancel but you could be charged a cancellation fee (in addition to an admin fee) but this should be made clear in your policy documents.

Why is my car insurance so high?

The cost of car insurance depends on a range of factors including the type of job you do and the number of miles you drive. Some factors such as age can have a huge impact on premiums and car insurance for young drivers in particular can be significantly higher than average.


Some offers on MyWalletHero are from our partners — it’s how we make money and keep this site going. But does that impact our ratings? Nope. Our commitment is to you. If a product isn’t any good, our rating will reflect that, or we won’t list it at all. Also, while we aim to feature the best products available, we do not review every product on the market. Learn more here. The statements above are The Motley Fool’s alone and have not been provided or endorsed by bank advertisers. John Mackey, CEO of Whole Foods Market, an Amazon subsidiary, is a member of The Motley Fool’s board of directors. The Motley Fool UK has recommended Barclays, Hargreaves Lansdown, HSBC Holdings, Lloyds Banking Group, Mastercard, and Tesco.

The Motley Fool receives compensation from some advertisers who provide products and services that may be covered by our editorial team. It’s one way we make money. But know that our editorial integrity and transparency matters most and our ratings aren’t influenced by compensation. The statements above are The Motley Fool’s alone and have not been provided or endorsed by bank advertisers. The Motley Fool has recommended shares in Lloyds, Tesco and Barclays.