We’ve analysed prices from our five million motor customers to show you how average 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, which can have an impact on a location's average price.
Across the UK, drivers in Scotland get the best value premiums, paying 15% less than the UK average with annual costs of £473.
Unsurprisingly, premiums are highest in Greater London, with costs of £724, a 31% increase on the UK average.
Wales
£492.38
Scotland
£472.72
Northern Ireland
£573.24
England
£574.50
Full list of regions and average prices
Greater London£724.84 |
|---|
Other SE£522.63 |
South West£478.71 |
Midlands£585.68 |
North West & West Yorkshire£601.77 |
East & North Yorkshire£512.85 |
Wales£492.38 |
Scotland£472.72 |
Northern Ireland£573.24 |
Channel Islands£595.04 |
England£574.50 |
Average price by gender
We don’t calculate insurance based on gender, but our April pricing figures showed that men pay 21% more for their premiums than women, at an average of £601 compared to £498 for women. Find out why women pay less
£498.24
for women
£601.32
for men
Average premium by age
As expected, younger drivers have the highest premiums of all age groups. Those aged between 17 and 18 see a 72% increase on the national average, with an average premium of £957.
Drivers aged 19-21 can expect a 44% increase, with average premiums of £799.
Those aged between 51 and 60 have average premiums of just £426, a 4% increase from March to April and the cheapest of all age groups.
Average premium for most common vehicles
Ford Fiesta£574.39 |
|---|
Vauxhall Corsa£589.31 |
Volkswagen Golf£586.63 |
Volkswagen Polo£576.16 |
Ford Focus£537.31 |
Vauxhall Astra£601.54 |
Audi A3£645.51 |
BMW 1 Series£588.07 |
Nissan Qashqai£438.38 |
Toyota Yaris£589.97 |
Top 10 cheapest cars to insure
Cheapest for 17-year-olds
The Volkswagen up! is the most affordable car for younger drivers to insure for the second month running, with an average premium of £713.
Volkswagen up!
£712.91
Citroën C1
£751.83
Peugeot 107
£778.54
Kia Picanto
£789.18
Hyundai i10
£818.78
Fiat 500
£847.93
Ford Ka
£890.82
Toyota Aygo
£902.56
Peugeot 208
£911.19
Toyota Yaris
£940.45
Cheapest for 17-25s
The Volkswagen up! is the most affordable option for 17–25-year-olds for the first time since February, with premiums at an average of £520.
The Citroën C1 is only just behind in the rankings, with an average premium of £529.
Volkswagen up!
£520.06
Citroën C1
£528.67
Dacia Sandero
£540.33
Škoda Citigo
£545.11
Vauxhall Viva
£558.40
Fiat 500
£576.20
Audi Q2
£584.05
Volkswagen Tiguan
£588.15
Fiat Panda
£591.40
Citroën C3
£595.46
Cheapest family car
The latest data shows the Ford Puma as the most affordable option for families (drivers with children aged under 16) for the second month in a row.
With average premiums of £302, the Ford Puma has also seen a 2% drop in price from March to April.
The Volkswagen up! continues to be a versatile option for many different drivers, with premiums of £309 for drivers with children under 16.
Ford Puma
£302.26
Volkswagen up!
£309.53
Dacia Sandero
£325.62
MG ZS
£340.23
Škoda Karoq
£341.06
SEAT Ateca
£354.42
Vauxhall Grandland
£357.75
Renault Kadjar
£360.08
Dacia Duster
£362.61
Kia Sportage
£363.47
Cheapest sports cars to insure
For sports cars, the Porsche Boxster premiums are under the national average for the second month in a row (£411).
The BMW Z4 and Mazda MX-5 also have premiums below the national average.
Drivers looking to get behind the wheel of a Porsche Taycan, however, will have to pay more than double the national average (£1,166).
Drivers looking to get behind the wheel of a Tesla Model 3, however, will have to pay over a third more than the national average (£866).
Porsche Boxster
£410.68
BMW Z4
£452.42
Mazda MX-5
£505.80
Porsche Macan
£646.34
Ford Mustang
£676.30
Porsche Cayman
£716.82
Porsche 911
£790.54
Tesla Model Y
£1065.86
Tesla Model 3
£1072.95
Porsche Taycan
£1165.91
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.
Electric cars
If you’re looking to go green, you’ll probably spend a little extra on your insurance. The national average for electric cars is £619, 12% more than the national average across all car types.
The good news for electric drivers is an 11% decrease in the average premiums from March to April for electric cars, the first monthly drop in 2022.
The cheapest electric cars to insure
Affordable electric car options are available, with the Fiat 500 showing average premiums of £363.
This is followed by the Volkswagen ID at £381 and the Mini Cooper at £419.
Fiat 500
£363.68
Volkswagen ID
£380.82
Mini Cooper
£419.03
Vauxhall Corsa
£422.02
Vauxhall Mokka
£430.23
The most expensive electric cars to insure
For drivers looking for a more expensive electric car, the Audi E-Tron is the most affordable option at £981.
Porsche Taycan
£1165.92
Tesla Model 3
£1072.95
Tesla Model Y
£1065.86
Tesla Model S
£1005.01
Audi E-Tron
£980.51
Methodology
Figures are averages based on comprehensive cover car insurance new business sales from April 2022.