Compare car insurance and get free £250 excess cover‡ plus a £10 car MOT^ when you buy with us
It's quick and easy to compare car insurance and find cheaper cover – we just need a few details about you and your vehicle.
It only takes a few minutes, and you could save up to £240
Your name, age and where you live, as well as your occupation.
The make, model and year, as well as any modifications you or previous owners have made.
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.
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.
Fully comprehensive car insurance is the most extensive cover you can get. It’ll cover you for repair or replacement costs if your car’s damaged or written off, and covers you if it’s stolen or catches fire. You’ll also be covered for claims made against you for people, passengers and their property.
Exactly what’s covered varies from one policy to another, so you’ll need to check you’ve got the cover you want before you buy.
Find out more about fully comprehensive car insurance >
Third party, fire and theft (TPFT) covers you if you’re found to be responsible for damage to other people, passengers or their property. Your car’s covered if it gets stolen or damaged by fire too. But if you’re responsible for an accident, TPFT insurance won’t cover repairs to your vehicle or your own medical costs –you’ll have to pay for those yourself.
Find out more about third party, fire and theft (TPFT) >
Third party only (TPO) is the most basic level of insurance you can get – and the lowest level of cover you need to legally drive your car in the UK. Third party coverage is included in TPFT and fully comp policies, but it’s also available on its own. You’ll only be covered for damage you cause to other people, passengers, or their property.
But 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) >
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.
You could insure your car from as little as £239. But we found that our customers pay £550 on average for their car insurance.*
But it varies between cover types. The average price of a comprehensive policy is £539. Third party, fire and theft (TPFT) is considerably more at £686, and third party only (TPO) is more again, at £878.
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.
If you’re a new or younger driver, you’ll probably pay more. To insurers, you pose the highest risk, so your premiums will be higher. The average comprehensive price for a 17-year-old is £930.
Car insurance is a legal requirement if you’re driving in the UK. Find out more about choosing the right cover.
Having a wealth of driving experience means car insurance for over 50s is usually cheaper – and there are insurers that offer specialisist insurance too.
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.
Learner drivers have a few options for getting covered before taking their test – whether that’s in your own car, or someone else’s.
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 7% cheaper if your mileage is 8,000 a year compared to 10,000.
You can check your past MOT certificates to see how many miles you’ve driven previously. Or try our mileage calculator.
Don’t just settle for the renewal price your insurer sends you. Loyalty doesn’t pay – people who stay with their existing insurer almost always pay more than those who switch. A quarter of customers beat their renewal quote by £66 with us.
Ryan Fulthorpe - GoCompare car insurance expert
25% of customers who provided their car insurance renewal price saved up to £66.44 with GoCompare (1 Jun 2020 to 30 Sep 2020).
Car insurance can be expensive, but there are ways you could save money:
Paying upfront always works out cheaper than paying monthly, because there’s no interest or finance arrangement fee.
Alarms and immobilisers reduce theft risk. Look for Thatcham-approved devices – some insurers will offer a discount if you have them.
In the market for a new car? Sporty cars with large engines tend to cost more to insure.
The lower your mileage the less you’ll pay. But don’t underestimate your mileage either – it’ll invalidate your insurance.
Telematics insurance policies use a black box or app that tracks your driving to calculate your insurance.
We’re offering you £250 free excess cover when you buy car insurance through us. So if you do need to claim, you'll have to pay your excess first, then we'll refund up to £250 after your claim's settled. Find out more
Plus, if you buy car insurance before 15 June, you can also get a car MOT for just £10. Find out more.
If you need anything other than standard car insurance, we’ve got lots of different policies for you to pick from.
Multi-car insurance can work out easier and cheaper if you’ve got more than one car to insure.
If you only need to drive every now and again or for less than a month, short-term car insurance could work out cheaper.
For additional cover – like spare parts, salvage retention and agreed value – protect your vintage vehicle with classic 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.
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.
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.
If your car’s 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.
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.
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
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.
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.
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.
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.
You don’t need to tell your current insurer if the miles you drive have increased or decreased because of coronavirus – for example, because you now drive to work instead of getting public transport, or because you currently work from home.
For new quotes, if how you use your car has changed – and you think it’ll stay that way – update your details. A good example is if your mileage will be reduced over the next 12 months. You could get a better price.
If you’re struggling to keep up with payments for your car insurance, there are options and your insurer can help.
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.
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.
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.
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.
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:
Find out more about making a claim on your car insurance and typical reasons claims get rejected, and how to avoid it happening.
I found looking for car insurance through Go Compare easy and appreciate the extra £250 excess cover. My car insurance is now set up with AA, through your website, and I'm sure all will go well.
The service is very easy to use and highly efficient. I was able to find a cheaper quote and reduce my annual car insurance premium by a hundred pounds.
This is the first time I have used a price comparison site; I had always used the same broker for the last 24 years. I saved £267 by using GoCompare. The experience was great and easy, simply fill in your details and let them do all the work, the switch was nice and easy too.
Easy forms to fill in, lots of quotes to compare and when you have chosen which is the best quote for you, they then give you £250 excess cover for nothing!! Win Win!
Page last reviewed: 05 March 2021
Next review due: 07 May 2021
Based on independent research by Consumer Intelligence during 1 October to 31 October 2020: 51% of consumers could achieve a saving of up to £240.64 with GoCompare car insurance based on a comparison of 31 companies.
Based on www.reviews.co.uk: 92% of customers who left a review recommended us. Our average rating of 4.6 out of 5 is from 10,211 people who left a review for car insurance comparison only. Last checked in March 2020.
As of December 2020, there are 137 active car insurers on the panel at GoCompare.
FCA Sector Views 2020, Financial Conduct Authority.