Car Insurance Calculator
Find the best value car insurance based on your details. Get instant quotes from top UK providers.
UK Car Insurance Quote Calculator
Compare quotes from top UK car insurers based on your details
Recent Calculations
Did You Know?
The average UK driver could save up to £283 by comparing car insurance quotes from multiple providers instead of auto-renewing.
Car Insurance Groups
Cars are categorized into insurance groups 1-50:
- Group 1-10: Lowest premiums
- Group 11-30: Mid-range premiums
- Group 31-50: Highest premiums
How Our Car Insurance Calculator Works
Our calculator uses real market data and risk factors to estimate your car insurance premium. We analyze the key elements that insurance companies consider when calculating your quote, including your age, driving history, vehicle type, and location.
Factors That Affect Your Premium
Driver Factors
- Age and driving experience
- No claims discount history
- License type and length held
- Previous claims and convictions
Vehicle Factors
- Vehicle type, age and value
- Engine size and performance
- Security features
- Annual mileage
Location & Usage
- Postcode risk factor
- Where the car is kept overnight
- Business vs personal use
- Commuting distances
Policy Options
- Level of cover (comprehensive vs third party)
- Voluntary excess amount
- Additional drivers
- Optional extras and add-ons
How Accurate Is This Calculator?
Our calculator provides an estimate based on typical pricing factors used by UK insurers. While it gives you a good indication of what you might pay, actual quotes will vary between insurers based on their own specific pricing models, underwriting criteria, and current market conditions.
For the most accurate quotes, we recommend using the calculator as a starting point, then contacting insurers directly or using their quote systems with your complete details.
Tips to Lower Your Car Insurance Premium
- Increase your voluntary excess - Choosing a higher excess can lower your premium, but make sure it's an amount you could afford to pay if you need to make a claim.
- Build your No Claims Discount - Every year without making a claim can significantly reduce your premium, often up to 70% with 5+ years of no claims.
- Pay annually - If possible, paying your premium in one lump sum rather than monthly installments can save you 10-15%.
- Consider telematics - Black box or app-based insurance can offer significant savings, especially for younger drivers with good driving habits.
- Choose your car carefully - Cars in lower insurance groups generally cost less to insure. Consider this before purchasing a new vehicle.
- Improve security - Approved alarms, immobilizers, and where you park your car overnight can affect your premium.
Why Compare with Us?
Our car insurance comparison service uses real market data to help you find the best coverage at the most competitive price. We analyze offerings from the UK's leading providers to give you accurate, impartial information to make informed decisions about your car insurance.
Beyond just price comparison, we help you understand what factors affect your premium and how different cover options might benefit your specific situation.