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 December was £773.74.
Across the UK, drivers in the South West get the best value premiums, paying 17% less than the UK average with annual costs of £642.71.
Surprisingly, premiums were highest in the Channel Islands with costs of £1133.84, a 47% increase on the UK average.
Wales
£685.36
Scotland
£669.77
Northern Ireland
£814.94
England
£790.82
Full list of regions and average prices
Greater London£1006.98 |
|---|
Other SE£725.58 |
South West£642.71 |
Midlands£836.53 |
North West & West Yorkshire£847.15 |
East & North Yorkshire£720.28 |
Wales£685.36 |
Scotland£669.77 |
Northern Ireland£814.94 |
Channel Islands£1133.84 |
England£790.82 |
Average price by gender
We don’t calculate insurance based on gender, but our December pricing figures showed that men paid 20% more for their premiums than women, at an average of £833 compared to £693. Find out why women pay less
£693.17
for women
£833.02
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 62% more than the national average, with an average annual premium cost of £1249.
Drivers aged 19-21 can expect to pay 30% more, with average premiums of £1007.
Average premium for most common vehicles
Ford Fiesta£763.18 |
|---|
Vauxhall Corsa£782.20 |
Volkswagen Polo£771.79 |
Volkswagen Golf£799.14 |
Tesla Model Y£1192.97 |
Ford Focus£732.79 |
Vauxhall Astra£830 |
Toyota Yaris£771.98 |
Nissan Qashqai£650.34 |
BMW 1 Series£847.34 |
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 Fiat 500 is the most affordable car for younger drivers to insure, with an average premium of £1034.
Fiat 500
£1033.90
Citroën C1
£1054.42
Toyota Aygo
£1073.60
Peugeot 107
£1194.07
Vauxhall Corsa
£1315.65
Cheapest for 17-25s
Drivers who are slightly older will be best served by the Volkswagen up!, which comes out as the most affordable option for 17–25-year-olds at an average of £682.
Volkswagen up!
£682.47
Fiat Panda
£705.84
Peugeot 107
£719.29
Hyundai i10
£722.27
Fiat 500
£725.73
Kia Picanto
£743.17
Citroën C1
£749.10
Peugeot 108
£751.37
Toyota Aygo
£765.99
Ford Ka
£789.46
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 £426 for drivers with children under 16.
Ford Puma
£426.13
Volkswagen ID
£488.11
Volkswagen T-Roc
£510.04
Škoda Kodiaq
£548.92
Kia Sportage
£558.17
Fiat 500
£558.80
Volkswagen Tiguan
£559.34
Toyota Aygo
£584.20
Mini Cooper
£591.09
Hyundai i10
£591.31
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 £596.
Polestar 2
£595.93
Mazda MX-5
£698.82
Porsche Cayman
£759.87
Porsche Macan
£940.24
Porsche 911
£1148.69
Tesla Model Y
£1192.97
Tesla Model 3
£1229.32
Porsche Taycan
£1619.02
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 MG MG5 having an average premium of £496.
MG MG5
£496.27
Volkswagen ID
£503.58
Renault ZOE
£565.36
Polestar 2
£595.93
MG MG4
£635.70
The most expensive electric cars to insure
For drivers looking for a more sophisticated electric car, the BMW IX is the most affordable option to insure at £1065 per year.
BMW IX
£1065.16
Tesla Model Y
£1192.97
Audi e-tron
£1215.41
Tesla Model 3
£1229.32
Porsche Taycan
£1619.02
Methodology
Figures are shown as averages based on comprehensive cover car insurance new business sales from December 2022.
All figures include IPT.