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
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 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.