We’ve analysed prices from our five million motor customers to show you how average car insurance prices vary by region, lifestyle, and the type of car you drive.
Average price by region
Car insurance prices vary across the UK for factors like population density, rates of accidents, the types of drivers seeking insurance and traffic.
The UK average annual premium cost for car insurance in September was £1097.
Across the UK, drivers in the South West get the best value premiums, paying 16% less than the UK average with annual costs of £917.
Premiums were highest in Greater London with costs of £1332, a 21% increase on the UK average.
Wales
£978.53
Scotland
£982.91
Northern Ireland
£1004.87
England
£1109.82
Full list of regions and average prices
Greater London£1332.71 |
|---|
Other SE£1035.55 |
South West£917.75 |
Midlands£1189.19 |
North West & West Yorkshire£1194.88 |
East & North Yorkshire£1019.86 |
Wales£979.41 |
Scotland£988.89 |
Northern Ireland£1004.87 |
England£1109.82 |
Average price by gender
We don’t calculate insurance based on gender, but our September pricing figures showed that men paid 5% more for their premiums than women, at an average of £1158 compared to £1013. Find out why women pay less.
£1013.18
for women
£1158.09
for men
Average premium by age
As expected, younger drivers have the highest premiums of all age groups. Those aged between 17 and 18 should expect to pay 79% more than the national average, with an average annual premium cost of £1975.
Drivers aged 19-21 can expect to pay 41% more, with average premiums of £1555.
Average premium for most common vehicles
Ford Fiesta£1158.73 |
|---|
Vauxhall Corsa£1174.16 |
Volkswagen Golf£1166.39 |
Volkswagen Polo£1142.61 |
Ford Focus£1083.81 |
Vauxhall Astra£1174.49 |
Toyota Yaris£1110.84 |
BMW 1 Series£1228.68 |
Audi A3£1195.37 |
Nissan Qashqai£920.47 |
The cheapest cars to insure
Cheapest for 17-year-olds
Our youngest drivers generally face higher car insurance costs, but some models are cheaper to insure than others.
We found that the Hyundai i10 is the most affordable car for younger drivers to insure, with an average premium of £1450.
Hyundai i10
£1450.27
Ford KA
£1544.01
Toyota Aygo
£1545.65
Citroen C1
£1734.33
Peugeot 107
£1755.49
Fiat 500
£1767.75
Skoda Fabia
£1794.78
Vauxhall Corsa
£1984.80
Volkswagen Polo
£1990.14
Nissan Micra
£2001.38
Cheapest for 17-25s
Drivers who are slightly older will be best served by the Ford KA+, which comes out as the most affordable option for 17–25-year-olds at an average of £1026.
Ford KA+
£1026.08
Ford Puma
£1031.71
Volkswagen Up!
£1032.43
Volkswagen T-Roc
£1074.78
Renault Twingo
£1088.04
Vauxhall Mokka
£1090.83
Fiat 500
£1105.12
Vauxhall Adam
£1130.08
Hyundai i10
£1132.25
Citroen C1
£1133.82
Cheapest family car
The latest data shows the Ford Puma as the most affordable option for families (drivers with children aged under 16) with premiums of £612.
Ford Puma
£612.65
Dacia Duster
£703.07
Skoda Karoq
£711.20
Volkswagen T-Roc
£719.05
Volkswagen ID
£737.59
Dacia Sandero
£750.67
Vauxhall Grandland
£785.21
Mini One
£794.11
Cupra Formentor
£795.96
Hyundai i10
£794.02
Cheapest sports cars to insure
For drivers wanting a luxe option, the Polestar 2 was revealed as the cheapest sports car to insure this month with premiums of £820.
Polestar 2
£820.43
BMW Z4
£924.10
Porsche Boxster
£948.16
Porsche Cayman
£1043.34
Mazda MX-5
£1064.53
Toyota Celica
£1197.86
Porsche 911
£1218.23
Tesla Model-3
£1221.60
Ford Mustang
£1249.84
Tesla Model-3
£1321.41
Your car insurance price explained
Want to learn more about how we price your car insurance premium?
We have an in-depth guide that explains what affects your premium and why.
The cheapest electric cars to insure
Affordable electric car options are available though, with the Peugeot 208 having an average premium of £716.
Peugeot 208
£716.97
Volkswagen ID
£738.52
Vauxhall Mokka
£791.70
Skoda Enyaq
£808.05
Renault Zoe
£812.93
The most expensive electric cars to insure
For drivers looking for a more sophisticated electric car, the Porsche Taycan is the most affordable option to insure at £1737 per year.
Porsche Taycan
£1737.14
Tesla Model Y
£1419.22
Mercedes EQE
£1405.07
BMW IX
£1332.82
Tesla Model-S
£1325.00
Methodology
Figures are shown as averages based on comprehensive cover car insurance new business sales from September 2023.
All figures include IPT.