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Whether your current policy is approaching its renewal date, or you’ve just bought a new car and need cover so you can drive it, you could save yourself up to £518* by comparing car insurance policies.

Provide Information About You & Your Car

You’ll need to provide some basic personal information, as well as details on the make, model, and age of your car.

Confirm What Type Of Coverage You Need

Confirm what type of policy you’re after, and provide some detail about how you use your car.

Choose The Right Policy

You’ll be shown a bespoke list of policies, generated based on your requirements. All you need to do is pick the one that’s right for you.

Get quotes

View quotes from a curated selection of over 120 insurers, including:

What level of car insurance do I need?

What is fully comprehensive insurance?

Fully comprehensive insurance offers the highest level of cover available. You will be covered if your car is damaged or written off, if your vehicle is stolen or catches fire, as well as any medical expenses.

Comprehensive policies can often be quite different, so you should always check what is covered before you buy.

Who is it for?

Most drivers. Fully comprehensive policies almost always offer the best value for money. Always check what each insurance provider actually includes in their fully comp policies.

Find out more: Fully comprehensive car insurance

Key features

Highest level of cover available.

Often the most expensive level of insurance.

Covers damage if you're involved in an accident, theft, medical expenses, fire damage, and theft of your vehicle.

Get fully comp quotes

What is third party, fire and theft?

A third party, fire and theft (TPFT) policy will cover the costs of damage to another person, their vehicle, or property, if you are found at fault for causing the damage.

If you’re involved in an incident and are found responsible, you will not be covered for any repairs or medical bills. You will be covered against theft, damage done during an attempted theft, and fire damage to your car however.

Who is it for?

Not many people. Third party, fire and theft cover actually tends to be more expensive that fully comprehensive cover, but offers less in the way of protection.

Find out more: Third party, fire and theft cover

Key features

Damage to another person, their property, or vehicle, is covered.

You’ll be covered if your car is stolen or involved in a fire.

Damage to your car and yourself isn’t covered if you are found at fault.

Get TPFT quotes

What is third party only insurance?

Third party only (TPO) car insurance is required to drive your car in the UK legally. Your insurer will pay out if you damage another person’s vehicle or property, but they will not cover any repairs you need to make to your own vehicle.

Who is it for?

The budget conscious. Third party only cover doesn’t offer much, but will often be the cheapest form of insurance available – this isn’t always the case though, and it can prove false economy even when it is.

Find out more: Third party car insurance

Key features

The minimum legal requirement for driving your car in the UK.

Covers other people’s vehicle or property if you damage them in an accident.

Usually the cheapest insurance available to drivers.

Get third party quotes

Tips for Lowering Your Car Insurance Costs

There are various ways that may help you receive more competitive insurance quotes, depending on your vehicle type and driver profile.

Pay upfront

Paying upfront annually works out cheaper, as no finance arrangement is needed.

Improve your security

Security devices like steering wheel locks will push down your premiums, as will parking off-road.

Increase your voluntary excess

Higher excess can mean lower premiums. Don’t make it too high though, in case you need to claim!

Build up your no-claims discount

If you don't claim, your no-claims bonus will lower your premiums.

Drive fewer miles

Driving fewer miles per year will reduce the price of your policy.

Get a telematics policy

Installing a black box, or telematics device, can help lower your premiums.

Get a new quote

Add-ons to consider when doing a car insurance comparison

There are a number of different add-ons that you can purchase to enhance your cover. Some of these will be particularly useful for certain types of driver (e.g. European cover if you drive abroad often), and some more useful in a general sense (e.g. breakdown cover).

All of them cost money, but some can save you money in the long run. We’ve outlined some common add-ons here to help you decide if they’re right for you.

Add-on

Windscreen cover

Covers the repair of chips or cracks to your car’s windscreen.

Add-on

Breakdown cover

Makes sure you get home or to the nearest repairer if your car breaks-down.

Add-on

Personal accident cover

Provides you with compensation if you or a passenger is injured or killed in an accident.

Add-on

Courtesy car

Car being repaired? Your insurer will provide you access to a courtesy car.

Add-on

No claims discount protection

Allows you to make a certain number of claims per year which do not affect your no claims discount.

Add-on

Lost or stolen keys

Your insurer will cover the cost of replacing your keys if they’re lost or stolen.

How your driver profile affects the cost of your car insurance premiums

Car insurance prices will vary depending on certain key facts about you, the driver. Older, more experienced drivers tend to be offered cheaper quotes, for example. Have a look below to find out how these different factors are likely to affect your premiums, and how to find the cheapest car insurance quotes given your circumstances:

Younger drivers – especially under-25s – will pay much more than their older counterparts for car insurance, other things being equal. This is because drivers aged 17-24 are statistically far more likely to be involved in road traffic accidents than those aged 25+. You’re not totally out of luck if you’re a younger driver though – getting a telematics policy, or adding a named driver can help bring down your costs.

Find out more: Car insurance for younger drivers

Car insurance gets cheaper as you get older, right up until around the age of 70-75. After that, cover can get more expensive as the likelihood of you having a medical condition that affects your safety behind the wheel increases. Nevertheless, even for drivers over 80, you can still expect to pay less than most below the age of 60.

Find out more: Car insurance for older drivers

If you’re new to driving altogether, no matter your age, you can expect to pay a bit more for your cover than an experienced driver would. Choosing a smaller, less powerful car for your first set of wheels can be a good way to cut costs down. If you’ve already bought your car, then choosing a policy with limited mileage while you build up some experience (and a no claims bonus) can be a good idea.

Find out more: Car insurance for new drivers

Insurance providers are legally prohibited from charging you more for your cover on the basis of your disability. However you will likely have particular needs that might not be covered by standard policies, including cover that takes into account any modifications to your vehicle like wheelchair lifts or adapted steering wheels.

Find out more: Car insurance for disabled drivers

Car insurance gets a lot more expensive if you’ve got a criminal conviction or points on your license. As a result, it’s all the more important to make sure you get a good overview of what your options are by comparing as many policies as possible.

Find out more: Car insurance for convicted drivers

If you drive your car for a living, you’ll be using it in ways that might exceed what a normal policy would cover. Your mileage will be much higher than a normal drivers’ for example, and you might need cover in case of injury to your passengers.

Find out more:

Get quotes

What type of car do you want insurance for?

Smaller, less powerful cars tend to be cheaper to cover because they’re less likely to be involved in accidents. Popular and inexpensive cars also tend to be cheaper to cover because replacement parts are easier (and cheaper) to get hold of.

Some types of car will have unique requirements that mean you might need a specialist policy to cover what you need. If you drive an electric car, you’ll want cover for batteries and charging cables. If you’ve modified your car, for performance or accessibility, you’ll want to ensure that your modifications are insured.

Get the right quote for your car

*51% of consumers could save £518.14 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next four cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from June 2025 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.
** Correct as of June 2025
MyCompare is a trading style of Jonny Networks Ltd registered in England, (09018319). JonnyNetworks Ltd is an Introducer Appointed Representative (IAR) of Seopa Ltd. Seopa Ltd are authorised and regulated by the Financial Conduct Authority (FCA FRN: 313860). Quotezone is a trading style of Seopa Ltd. Seopa Ltd is located at Floor 4, Blackstaff Studios, 8-10 Amelia Street, Belfast, Northern Ireland, BT2 7GS. The insurance quote system is independently owned and operated by Seopa Ltd. JonnyNetworks Ltd do not offer financial advice and we receive a commission for any policies purchased, at no cost to you.

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Compare car insurance quotes, you could save up to £518*

Compare car insurance quotes

Provide Information About You & Your Car

Confirm What Type Of Coverage You Need

Choose The Right Policy

What level of car insurance do I need?

What is fully comprehensive insurance?

Who is it for?

Key features

What is third party, fire and theft?

Who is it for?

Key features

What is third party only insurance?

Who is it for?

Key features

Tips for Lowering Your Car Insurance Costs

Pay upfront

Improve your security

Increase your voluntary excess

Build up your no-claims discount

Drive fewer miles

Get a telematics policy

Add-ons to consider when doing a car insurance comparison

Windscreen cover

Breakdown cover

Personal accident cover

Courtesy car

No claims discount protection

Lost or stolen keys

How your driver profile affects the cost of your car insurance premiums

What type of car do you want insurance for?

Why use My Compare?