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 August was £634.78.
Across the UK, drivers in the Channel Islands get the best value premiums, paying 26% less than the UK average with annual costs of £467.71.
Unsurprisingly, premiums were highest in Greater London with costs of £822.81, a 30% increase on the UK average.
Wales
£567.65
Scotland
£559.77
Northern Ireland
£661.18
England
£648.12
Full list of regions and average prices
Greater London£822.81 |
|---|
Other SE£598.16 |
South West£538.40 |
Midlands£672 |
North West & West Yorkshire£698.07 |
East & North Yorkshire£591.18 |
Wales£567.65 |
Scotland£559.77 |
Northern Ireland£661.18 |
Channel Islands£467.71 |
England£648.12 |
Average price by gender
We don’t calculate insurance based on gender, but our August pricing figures showed that men paid 21% more for their premiums than women, at an average of £690 compared to £569. Find out why women pay less
£568.87
for women
£690.06
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 66% more than the national average, with an average annual premium cost of £1054
Drivers aged 19-21 can expect to pay 31% more, with average premiums of £834.
Average premium for most common vehicles
Ford Fiesta£631.01 |
|---|
Vauxhall Corsa£649.15 |
Volkswagen Polo£634.89 |
Volkswagen Golf£688.43 |
Ford Focus£622.16 |
Vauxhall Astra£674.81 |
Toyota Yaris£658.74 |
Renault Clio£628.89 |
BMW 1 Series£671.60 |
Audi A1£616.25 |
Top 10 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 Fiat 500 is the most affordable car for younger drivers to insure, with an average premium of £983.
Fiat 500
£982.69
Vauxhall Corsa
£1162.86
Volkswagen Polo
£1172.48
Ford Fiesta
£1191.83
Renault Clio
£1204.18
Cheapest for 17-25s
Drivers who are slightly older will be best served by the Fiat Panda, which comes out as the most affordable option for 17–25-year-olds at an average of £531.
The Škoda Citigo is only just behind in the rankings, and is still a competitive option, with an average premium of £538.
Fiat Panda
£531.09
Škoda Citigo
£538.29
Hyundai i10
£582.63
Peugeot 108
£596.59
Volkswagen up!
£599.44
Dacia Sandero
£607.37
Citroën C1
£608.82
Fiat 500
£611.01
Ford Ka
£618.98
Toyota Aygo
£621.15
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 £390 for drivers with children under 16.
With average premiums of just £398, the Renault Kadjar can offer drivers with children a 37% saving on their annual insurance cost when compared to the UK average.
Ford Puma
£390.34
Renault Kadjar
£398.07
Kia Sportage
£448.84
Hyundai Tucson
£453.01
Fiat 500
£453.71
Škoda Octavia
£459.59
Volkswagen T-Roc
£460.23
Ford Kuga
£473.22
Renault Captur
£488.52
Citroën C3
£489.71
Cheapest sports cars to insure
For drivers wanting a luxe option, the Mazda MX-5 was revealed as the cheapest sports car to insure this month with premiums 4% under the national average (£609).
Mazda MX-5
£608.76
Porsche Cayman
£647.89
Porsche Macan
£810.63
Porsche 911
£933.07
Tesla Model Y
£1065.43
Tesla Model 3
£1160.88
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 Volkswagen ID having an average premium of £439.
This is followed by the Cupra Born at £451 and the Vauxhall Mokka at £468 - both of which are well under the UK average.
Volkswagen ID
£439.09
Cupra Born
£450.74
Vauxhall Mokka
£467.83
Renault ZOE
£476.86
Škoda Enyaq
£492.39
The most expensive electric cars to insure
For drivers looking for a more sophisticated electric car, the Tesla Model Y is the most affordable option to insure at £1065 per year.
Porsche Taycan
£1246.03
BMW IX
£1179.44
Tesla Model 3
£1160.88
Tesla Model S
£1084.17
Tesla Model Y
£1065.43
Methodology
Figures are shown as averages based on comprehensive cover car insurance new business sales from August 2022.