Best UK Car Insurance 2026

Our top picks

1. #1

   Best cheap comprehensive

   Cheapest overall

   ~£420/year avg

   Pros

   • Lowest average premium in 2026 data
   • Included windscreen cover
   • Free courtesy car

   Cons

   • Higher excess than premium brands

   Best for: Cost-conscious drivers with a clean licence.
2. #2

   Best for young drivers

   Best under 25

   ~£1,150/year avg

   Pros

   • Telematics reduces premiums with safe driving
   • No curfew on newer plans
   • Bonus miles for safety

   Cons

   • Requires app or black box

   Best for: 17–24 year-olds facing £2k+ standard quotes.
3. #3

   Best for claims service

   Best claims

   ~£620/year avg

   Pros

   • Top-rated claims handling
   • 24/7 phone support
   • Approved repairer network

   Cons

   • Not the cheapest — pay for peace of mind

   Best for: Drivers who want stress-free claims over pure cost.
4. #4

   Best for high-mileage drivers

   Best for commuters

   ~£680/year avg

   Pros

   • No mileage cap on most policies
   • Business use included

   Cons

   • Higher rate reflects mileage risk

   Best for: Anyone driving 15,000+ miles a year.
5. #5

   Best multi-car

   Best multi-car

   10–20% household discount

   Pros

   • One renewal date for the household
   • Discount stacks with NCB

   Cons

   • Must all live at the same address

   Best for: Households with 2+ cars.

How to choose

FAQs

Why did my premium go up if I didn't claim?

General claims inflation, repair costs, and vehicle theft rates all push renewals up. Compare — don't accept.

Is telematics worth it?

For under-25s, almost always. For safe drivers over 25 with a normal car, the discount is smaller and the tracking annoying.

Do I need business use?

Commuting to a single place of work is covered by 'social + commuting'. Business use is only needed if you drive to multiple sites or clients.

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