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Car insurance


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It's quick and easy to compare car insurance and find cheaper cover – we just need a few details about you and your vehicle.

  1. Tell us a bit about you

    Your name, age and where you live, as well as your occupation.

  2. Let us know your car details

    The make, model and year, as well as any modifications you or previous owners have made.

  3. What cover do you need?

    How do you use your car? Tell us your annual mileage and choose from fully comp, third party or third party fire and theft policies.

Car insurance companies we work with

We look for quotes from over 165 trusted UK car insurance companies including:[2]

Join thousands of happy customers who've compared car insurance and rated us[2]

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What type of car insurance do I need?

The best car insurance for you is an affordable policy that covers what you need – don’t just pick the cheapest option.

You’ll need third party cover as a minimum. It’s compulsory, and you can’t legally drive without it. But exactly what you’re covered for depends on the type of policy you choose.

Comprehensive car insurance

This is the most extensive cover you can get. It covers you for:

  • Repair or replacement costs if your car’s damaged or written off.
  • If your car's stolen or catches fire.
  • Claims made against you for people, passengers and their property.
  • It may differ by policy, so check what you're covered for.

Find out more about fully comprehensive car insurance.

Third party, fire and theft

This covers you for:

  • Damage to other people, passengers or their property.
  • Your car’s covered if it gets stolen or damaged by fire too.
  • If you’re responsible for an accident, it won’t cover repairs to your vehicle or your own medical costs.

Find out more about third party, fire and theft (TPFT).

Third party only

This is the most basic level of cover:

  • It's the lowest level of cover you need to legally drive your car in the UK.
  • You’ll only be covered for damage you cause to other people, passengers, or their property.
  • There’s no cover for you or your car.
  • If your car’s stolen, damaged or catches fire you won’t be able to claim back the cost.

Find out more about third party only (TPO).

£4 million refunded to customers with free excess cover^^

If you need to claim, we’ll pay £250 towards your excess^. Just another reason to make your life choices on Go.Compare.

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Do I need car insurance?

Car insurance is a legal requirement if you’re driving in the UK. Find out more about choosing the right cover.

Car insurance for over 50s

Having a wealth of driving experience means car insurance for over 50s is usually cheaper – and there are insurers that offer specialist insurance too.

More about car insurance for over 50s >

Insurance for new drivers

New and young drivers always pay more. But it doesn’t mean you can’t get insurance, or you can’t get a good deal.

More about new driver insurance >

Learner driver insurance

Learner drivers have a few options for getting covered before taking their test – whether that’s in your own car, or someone else’s.

More about learner driver insurance >

Why has my car insurance gone up?

When it comes to your renewal, you may notice that your insurer has increased the cost of your car insurance. This could be down to changes to your personal circumstances, like a change of address or job, but it could also be due to external factors, like inflation, with insurers experiencing a rise in their claims costs, such as the overall cost of replacement parts and repairs.

A recent study from Consumer Intelligence shows motor insurance deals have gone up a record 21.1% in the past year. So it's now more important than ever that you don’t settle for the renewal price from your insurer. It’s always worth looking around for something that suits your needs better.
Ryan Fulthorpe - GoCompare car insurance expert

How could I get cheaper car insurance?

Car insurance can be expensive, but there are ways you could save money:

  1. Pay annually

    Paying upfront always works out cheaper than paying monthly, because there’s no interest or finance arrangement fee.

  2. Tighten up your security

    Alarms and immobilisers reduce theft risk. Look for Thatcham-approved devices – some insurers will offer a discount if you have them.

  3. Choose a less powerful car

    In the market for a new car? Sporty cars with large engines tend to cost more to insure.

  4. Drive less miles

    The lower your mileage the less you’ll pay. But don’t underestimate your mileage either – it’ll invalidate your insurance.

  5. Consider a telematics policy

    Telematics insurance policies use a black box or app that tracks your driving to calculate your insurance.

Car insurance that's right for you

Standard car insurance not what you need? We’ve got loads of different policies for you to pick from.

Multi-car insurance

Multi-car insurance can work out easier and cheaper if you’ve got more than one car to insure.

More about multi-car insurance >

Short-term car insurance

If you only need to drive every now and again or for less than a month, short-term car insurance could work out cheaper.

More about short-term car insurance >

Classic car cover

For additional cover – like spare parts, salvage retention and agreed value – protect your vintage vehicle with classic car insurance.

More about classic car cover >

Business car insurance

If you use your car for work, you’ll need the right insurance to be properly covered. There are three different classes of business use you’ll need to pick from.

More about business car insurance >

GAP insurance

It’s intended to pay the difference between what you paid for your vehicle and what your insurer pays out in the event of a total loss or write off.

More about GAP (Guaranteed Asset Protection) insurance

Car insurance - Upgrades and additional cover

There are some optional extras you can add to your car insurance. There’ll probably be a charge for them, so only add what you actually need.

Choose from three levels of cover – roadside assistance, roadside assistance and recovery or roadside, recovery and home start.

It’s often cheaper to buy your breakdown cover separately from your car insurance, so make sure you’re getting value for money by comparing it on its own.

Find out more about breakdown cover

If your car is damaged because of an accident, your insurer can provide a courtesy car while it’s being repaired.

You’ll have to use one of its approved repairers and check for exclusions.

More about courtesy car cover

Legal assistance helps you claim from the person responsible if you’re involved in an accident and it’s not your fault.

It’ll also help to pay to defend a claim brought against you.

More about legal expenses cover

If you lose your keys, or they get stolen, lost key cover can help with the cost of replacing them.

Getting high-tech keys replaced can easily run to hundreds of pounds

More about replacement of keys cover

Covers the costs of draining and cleaning your tank if you’ve put in the wrong type of fuel.

It probably won’t cover the costs of damage to your engine if you drive away.

More about misfuelling cover

For every year you drive claim-free, you’ll get a discount on your car insurance.

It’s valuable and has such an impact on the price of your insurance that you can protect it. That way, if you need to claim, it won’t reduce your no claims history.

More about no claims bonuses and discounts

Personal accident cover compensates you for injuries caused by a car accident.

The claim limit varies between insurers, and other drivers and passengers are sometimes covered too.

You'd only claim on personal accident cover if the accident is your fault. That’s because if an accident isn’t your fault, the at-fault person’s insurer will pay out for any personal injury claims.

More about personal injury cover

Covers the repair of chips and cracks to your car’s windscreen – sometimes it’s a free extra.

It can also cover the replacement of your windscreen if it can’t be repaired, but you might have to pay an excess.

More about windscreen repair cover

How much does car insurance cost?

Insurers use statistics to work out how likely you are to make a claim on your car insurance – and that's what sets the price.

The average price of a comprehensive policy is £379. Third party, fire and theft (TPFT) is less at £361, and third party only (TPO) costs the most at £510.[3]

These are just averages though – your quotes will depend on a lot more than just the cover type you choose. Your age, the car you drive, mileage and driving history all play a part.

how much does car insurance cost?

Customer reviews


Easy on purchase and competitive prices.

Hassan Khan


Beat my quote from previous insurer



Excellent service

David Field


I went through go compare as it was easy to use and with the £250 free excess it was a no brainer.

Geoffrey Ireland

Frequently asked questions

You need to be accurate and honest when you declare your annual mileage to get car insurance quotes. 

Put in a mileage that’s too low and you risk invalidating your cover, which could cause problems if you need to make a claim. 

But if you put a higher mileage than you actually drive, you risk paying too much. 

According to our research, car insurance is £38 cheaper if your mileage is 6,000 a year compared to 10,000.[4]

You can check your past MOT certificates to see how many miles you’ve driven previously. Or try our mileage calculator.

The impact of your job title on how much your car insurance costs relates to risk factors. So if your job is seen as higher risk by insurers, this is reflected in your premiums. Don’t change your job title to try to reduce the price of your quotes, unless the alternative title genuinely describes your job accurately. Always be honest – if you lie you could invalidate your cover.

The Financial Conduct Authority (FCA) has introduced new rules to make car insurance pricing fairer for existing customers. The new rules mean that insurers must offer the same price to both new and existing customers. Find out more.

When you get a quote, we’ll help you by estimating what your car’s worth based on its age and mileage – but you can change it if it doesn’t seem right. There are tools online that can help you work out your car’s value. Always give an honest valuation. A ballpark estimate’s okay because insurer’s usually pay out based on average market value.

Use our annual mileage calculator to help work out your annual mileage. It’ll give you a general idea of your mileage, then you can add a bit more if you need to for irregular journeys and extras, like long driving trips for holidays.

Your annual mileage should be the total mileage for the car, so you need to include miles for all drivers who use it.

You want to get this right – it makes a big difference to the price you’ll pay for your insurance. Overestimate your mileage and you’ll end up paying too much. Underestimate and you could invalidate your policy.

If you’ve had your car for over a year and you drive in a regular pattern, you can look at previous MOT certificates or service records to work it out.

Some insurers use ‘real-time’ pricing and others will honour the price they offer for anywhere between 10 and 30 days. When you get quotes with us, we can’t guarantee you’ll get the same price if you come back later so your quote could go up. Insurers can change their prices at any time.

It usually pays to get quotes a few weeks ahead of your renewal, and lock in a good deal early.

Sometimes, but it depends on what cover you’ve got and how much experience you have driving.

Some insurers offer cover to drive other cars as part of fully comprehensive policies, but it's rarely a feature of third party or third party, fire and theft – and is often written out of policies for young or inexperienced drivers.

Check policy docs to be certain. Often, it’s only supposed to be used in emergencies, rather than everyday driving. If you’re in any doubt, just call the insurer and ask.

This is a bonus (or discount) on your car insurance for every year you've driven and not made a claim.

Find out more about no-claims discounts.

An excess is the amount of money you agreed to pay towards a claim when you took out your car insurance.

Generally, an excess is only payable for your damages and when you’re at fault. It’s usually paid upfront to get the claim process started.

The excess is split into two types; compulsory (set by the insurer) and voluntary (set by you). You don’t need to have a voluntary excess, but it might lower the cost of your car insurance if you do.

You’ll have to pay both the voluntary and compulsory excess if you make a claim, so make sure the total amount is affordable.

Find out more about car insurance excess

As long as you’ve made a Statutory Off-Road Notification (SORN) for your car, you don’t need to have car insurance while it’s off the road. But you can still protect your car with laid up insurance, which covers it for fire and theft while your vehicle has a SORN.

Insures will run a credit check if you choose to pay monthly for your car insurance, which can leave a mark on your credit score. You’re asking for credit, and basically taking a loan, so they do have to run affordability checks. If you pay annually (in one lump sum) a credit check will not be performed when you take out car insurance

Unfortunately, if you claim on your insurance, your premiums usually go up the next year.

If you’ve had, or caused, any accident or damage in the last five years, you need to let insurers know. Even if you didn’t make a claim and regardless of blame.

If you cancel your policy within the cooling-off period you’ll be refunded, less any time you’ve been covered for already. Some insurers will charge an admin fee for this.

When you’re charged for any cover you’ve already had, it’ll be charged pro-rata, so a fair proportion of the entire annual cost of your policy

Cancelling outside of the cooling-off period isn’t much different. Some insurers charge a cancellation fee, others don’t. Any refund you get will be based on the number of days’ cover you’ve already had.

Unless you make changes to your policy, cancel it or need replacement documents, you shouldn’t have to pay any admin fees.

If you do need to change something, like your address, car, registration, or adding a driver, most insurers will charge you an adjustment fee. Some might let you make basic changes online without charging you, while others won’t. There’s no standard flat fee, insurers can charge whatever they like.

When you’re comparing policies, look out for admin fees. They add up, so it’s worth factoring them in.

  1. If another driver or person is involved, exchange details
  2. Make notes about what happened and take pictures as evidence
  3. Let your insurer know within 24 hours
  4. You’ll need to fill in a claims form and possibly have your car assessed for damage
  5. Pay your excess – your claim won’t be processed until you do

Your insurer will settle the claim if it’s clearly your fault. If the other driver’s at fault or it’s not obvious who’s to blame your insurer and the insurers of other driver involved will look at the evidence, decide who’s at fault and settle the claim.

When both parties are to blame, or if a decision can’t be agreed, your insurers will split the claim between them.

If you weren’t at fault and the other driver’s insurer settles the claim costs your insurer will give you your excess back.

Beware, your claim might be refused if:

  • You provide incorrect or misleading information
  • The main driver isn’t who you said it’d be when you took out the policy (this is called fronting, it’s illegal)
  • The accident was caused by your negligence or by your car being unroadworthy
  • You don’t have any proof
  • You file your claim too late

Find out more about making a claim on your car insurance and typical reasons claims get rejected, and how to avoid it happening.

Yes - you don’t have to claim on your insurance if you don’t want to but you still need to tell your insurer about the accident.

You can make it clear that it is for information purposes only, and that you're not looking to make a claim.

Make sure you notify your insurer about the incident within a reasonable timeframe (this might be specified in your policy so check the wording). If a timeframe is not stated, get in touch with your insurer as soon as possible.

Our awards and accreditations

We're chuffed to say we've gotten some snazzy recognition since we started in 2006. Here's a bit more about our awards and accreditations:

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Being a Superbrand means dedication to quality, reliability, and distinction. Independently judged, this aware recognises trusted companies as providers of excellent service and customer care.

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British Insurance Brokers Association

'But you're not an insurer?' you might say. And you'd be right. But our shared goal of doing right by customers is why we’re the only comparison site to be invited to join them.

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Insurance Fraud Bureau

We work with the IFB to fight against fraud in the insurance industry. We use their specialist fraud intelligence and data to improve our systems and raise awareness of scams.

Page last reviewed: 12 August 2023

Page reviewed by: Holly Thomas

[1]Based on Trustpilot: Our average rating of 4.8 out of 5 is from 25,148 people who left a review for car insurance comparison only. Last checked 17 July 2023.

[2]As of September 2023, there are 170 active car insurers on the panel at Go.Compare.

[3]Average cost of annual car insurance bought through Go.Compare in June 2023. For comprehensive cover it was £379. For third party, fire and theft (TPFT) it was £361. For third party only (TPO) it was £510.

[4]Average price paid annually for comprehensive car insurance (from all purchases) between Jan to Nov 2022, split by mileage.