# How much does car insurance cost in the UK?

> Quick answer · Last updated 4 July 2026

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## In short

Average comprehensive car insurance was roughly £635 a year in 2025 (ABI figures) — but young drivers often pay £1,500+ while experienced drivers in low-risk postcodes may pay under £300. Your price depends on age, car group, postcode and claims history.

Insurers price individually — averages hide huge spreads. Telematics policies can cut young-driver premiums 20–40%. Comprehensive cover is sometimes cheaper than third-party because of risk-pool effects.

Never auto-renew: compare 20–30 days before expiry. FCA rules stop renewal prices exceeding equivalent new-customer quotes, but shopping around still finds better matches for your risk profile.

See our car insurance explained guide and how to cut premiums for tactics that do not invalidate cover.

## Related

- [Car insurance explained](https://moneyguide.org.uk/cars-motoring/car-insurance-explained/)
- [How to cut car insurance](https://moneyguide.org.uk/cars-motoring/how-to-cut-car-insurance/)
- [Featured offers*](https://moneyguide.org.uk/offers/)

## Primary source

abi.org.uk

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Independent UK money guidance from [Money Guide](https://moneyguide.org.uk). Information only — not regulated financial advice.