Top 10 cheapest car insurance companies in UK

Top 10 cheapest car insurance companies in UK

There is absolutely no need to be paying more than you must for the cheapest car insurance. You just need to follow one simple advice, never accept an auto-renewal on a car insurance quote without doing your own research first. Here is our guide with the top ten cheapest insurance deals that you can find in the UK. You just have to take out a little time for some detailed research so that you are able to lower your car insurance costs with higher benefits from cheap insurance. But first, take a look at some factors that can have a significant impact on the cost of insurance.

Do age and postcode make a difference in Insurance cost?

Yes, there is a difference in the cost insurance when it comes to the quotes that you receive. The age group between 18 and 25 are forced into some of the expensive deals when it comes to car insurances. On the higher end of the age group say 50 to 60, the difference in the policy quotes offered are of almost identical value and cheaper than the younger age groups as well.

Select the correct level of cover: Merely getting the cheapest cover should not be your primary objective. First, you need to focus on selecting the right cover as it is the most crucial part. There are basically three levels of car insurance that is being offered in the United Kingdom.

1. Fully Comprehensive
2. A third party that includes theft and fire
3. Third party cover only

While some of the insurance company might offer the cheapest deals, be sure that you do consider well what you’re getting and whether its value for money. Here is a list of the 10 cheapest car insurance companies in UK.

Cheapest car insurance companies in UK


This is one of the very popular and cheapest car insurance companies in UK. This company specializes in car insurance for the older age group and also offers the lowest premiums with insurance policies that cost less than eighty-four pounds. Most of the customers of the company are willing to renew their insurance as well.

2. Lloyds Bank

This company is very competitive when it comes to the average policy cost. The cheapest insurance policy that the company offers is as low as ninety-eight pounds and usually, about seventy percent of the clients renew the policy.

3. Quote Me Happy

This company is run by Aviva. Although the company is not as popular as its counterparts on the general accident insurance front, their overall renewal rate is higher than the Lloyds bank. On average, the cheapest Quote Me Happy policy that has been offered is of about a hundred and twenty pounds.

4. General Accident

In the year 2013, the General Accident brand had been reintroduced as a car insurer. This is also one of the best companies that offer overall customer satisfaction. And about eighty-five percent of the clients opt for renewal with the company. The company also has its policy prices low and an average low-cost policy that the company offers is of about a hundred and forty pounds. We listed at No. 4 in our list of top 10 cheapest car insurance companies in UK.

5. Nationwide

This company has some of the lowest costs being offered by a company of about 140 pounds. The point to be noted here is that those people who do have insurance with the company tend to cover lower mileages. About eight percent of satisfied customers had reported that they will surely renew with Nationwide again.


This is also one of the most popular companies that offer a high renewal rate history. Although cost wise it is a little higher than the General Accident but its average policy cost is of about 150 pounds.

7. Chaucer Direct / Geoffrey

Earlier the company was known by the name Chaucer Direct that has been changed to Geoffrey. The company offers a low average policy of about a hundred and seventy-four pounds. Although it does not have much-satisfied customers as it is reported that only about sixty-five percent of the clients go for renewal with the company.

8. John Lewis Insurance

This company certainly lives up to its expectations of having customer satisfaction as the main objective. That being said the cheapest car insurance policy offered by the John Lewis company is of about 150 pounds. We have included John Lewis Insurance at No. 8 in the list of cheapest car insurance companies in UK.

9. Direct Line Car Insurance

This company covers the standard with comprehensive motor insurance. They do have a scheme in which a multicar discount is given as the introductory discount. They have a very low premium policy. They also have a black box policy in which by using a telematics technology they are able to monitor the driving skills on the driver’s performance and can potentially save more money.

10. Admiral Car Insurance

This company was also voted as the best cheapest car insurance provider for five years in a row. They offer various policies that you may select according to your budget and requirements like Multi car, a single car or the Black Box and little box insurance.

How to save money in your car insurance cost

There are numerous ways by which you can reduce your policy bill. Some of them have been discussed below:

1. Do your research: This goes without saying that one must never settle for the first quote that you are offered by the present insurer. You can easily save loads of money when you compare car insurance policies online.
2. Have the right car: The cost of your car depends highly on the cost of your insurance. The more expensive your car is the higher will be the insurance policy price. This is because the repairs are also going to cost more.
3. Go for a pass plus course: This is offered by some of the companies and they do offer a discount if you do have an extra driving certification like Pass Plus. These driving courses showcase the insurance company that you are a safe driver and follow rules and are less likely to have an accident.

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