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[H1]
Get £20 to spend with 100+ brands plus year-round hot drinks when you buy car, home or van insurance*

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*Single annual policy. Qualifying products. App only. Maximum claim limit. One regular hot drink per month for a year, only available via the Confused.com app. T&Cs apply.

[H2] More ways to compare and save

[H2] How Rewards+ works

Get £20 to spend every time you buy car, home, or van insurance through Confused.com.

There’s something for everyone! Claim your reward in the Confused.com app and spend with over 100 brands like Tesco and Sainsbury’s.

Enjoy year round hot drinks! Once you've added your reward to your wallet, you'll get a free coffee every month for a year in the Confused.com app.**

More on Rewards+
**One regular hot drink per month for a year, only available via the Confused.com app. T&Cs apply.

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[H2] We work with 100s of insurance companies to help save you money

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Learn more about who we work with

[H2] Find the cheapest petrol or diesel near you

Get fuel prices near you now

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[H2] Save time and money with our app

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View and manage your quotes

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Get MOT, tax and insurance due date reminders

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[H2] Why use Confused.com?

Save £100s on your next car or home insurance policy when you compare quotes*

Take advantage of our money-saving special offers.

No more time wasted filling in details - use your saved details to get quotes year-on-year

We're trusted by millions of UK drivers and households each year

[H2] Don't be Confused

Here to save you money

We fight for better deals for you, and work hard with hundreds of insurance companies to keep prices low. We also tell you when the best time is to get a quote for more chances to save!

Different to other comparison websites

We're not just a comparison website - we stand up for you. And as the first ever comparison site we've learnt a lot over the years. We speak to our customers regularly to find ways to improve.

Helping you make better decisions

We provide you with as much information as we can, as clearly as possible. We know what's important is different for everyone, so we give you tools to choose and make the right decision for you.

Big on trust

You can trust us to keep an eye on the insurance providers we work with to make sure they're keeping up their end of the deal and providing you with a good service. We never want to let you down.

More about Confused.com

[H3] Our customers say:

"Very easy to use the website. The layout is clear and simple. It's full of great providers and good prices. I usually compare with other competitors and Confused.com always seems to win on pricing."

Louise
- Confused.com customer (March 2026)

"Very easy to use to find annual car insurance. Plenty of options to choose from across a wide price range."

Siobhan
- Confused.com customer (April 2026)

"The £20 reward is a nice bonus and for me is a 11% saving, the shops you can use it has increased a lot this year as well."

Terence
- Confused.com customer (March 2026)

"Easy to use and came up with great quotes - cheaper than other comparison sites. Very happy customer ?"

Patricia
- Confused.com customer (April 2026)

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[H3] Great

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Confused.com scores a 4.2 out of 5 rating based on 10491 reviews
as of 10/04/2026

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[H3] Our helpful guides and articles

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[H3]
UK airports 2026: What to expect when travelling

A 2026 guide to UK airports, covering transport links, facilities and passenger services so you know what to expect before you travel.

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[H3]
Driving theory test - Confused.com

You'll need to pass a driving theory test before booking your practical exam. We'll give you the lowdown on what to expect, how to book and tips for passing.

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[H3]
UK mobile phone driving laws: fines, points and rules

More than 70,000 UK drivers have been fined for using a phone while driving since 2023. Learn the latest laws, penalties and how AI cameras detect offences.

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[H3]
How Young Driver Premiums are Calculated: 2026 Guide

Ever wondered how much is insurance for a new driver? Our guide breaks down the factors insurers use to calculate car insurance for young drivers.

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[H3]
High risk car insurance

What makes a high risk driver? And how can they cut the cost of their cover? Read on to find out.

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[H3]
First time car insurance: everything you need to know

Insurance for new drivers can be costly, but it doesn’t have to ruin the fun of hitting the road for the first time. Looking for the ultimate lowdown? Read on.

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See all guides

*Important information
Rewards - Single annual policy. Qualifying products. App only. Maximum claim limit. One regular hot drink per month for a year, only available via the Confused.com app. T&Cs apply.
Savings - Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (April '26). 51% of Confused.com car insurance customers could save £511.25 and 51% of home insurance customers could save £215.37 on a combined policy.
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Home

Mortgages

[H1] Compare mortgages

[H2] A mortgage comparison from our experts could save you £326 a month*

Our trusted partner will compare mortgages from across the market, and let you know the best deals that you're eligible for

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Select the type of mortgage you need

I'm remortgaging

I'm buying my first home

I'm moving home

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Get started

[H3] We’ve partnered with Mojo Mortgages to help you compare mortgages with an expert.

[H4] A soft search credit check, with no impact on your credit score

[H4] They compare mortgages with over 60 lenders to find the right deal for you

[H4] They can help you apply when you're ready

*Average savings are based on Mojo Mortgages residential remortgage sales data, compared to the average SVR in November 2025. Actual savings will depend on individual circumstances.

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Our expert panel reviews all content. Learn more about our editorial standards and how we operate.

[H2] What mortgage do I need?

There are several different mortgages types out there, each suited to people at different stages of home ownership:

[H2] First-time buyer mortgage

A first-time buyer mortgage is for those looking to buy their first property. Some lenders have products specifically for first-time buyers which may have certain incentives. But the vast majority of deals available to you are also available to current homeowners.

[H2] Remortgage

A remortgage is when you change from your existing deal to another one. When your initial deal period comes to an end, you're moved to your lender's standard variable rate (SVR) which is normally more expensive. At this point, many people choose to remortgage, either to a new lender or to a different deal with their existing one (known as a product transfer).

[H2] Home mover

If you're a home mover, you may be able to port your current mortgage to your new property. Or you can remortgage to a new deal, but you may have to pay exit fees for leaving your existing mortgage early.

[H2] Buy-to-let mortgage

A buy-to-let mortgage is suitable if you’re looking to invest in a property to rent out to tenants rather than live in it yourself. Most buy-to-let mortgages aren't regulated by the FCA as they are seen as products for businesses.

[H2] What mortgage can I afford?

When determining what mortgage you can afford, a lender looks at the following:

Your income - You can normally borrow around 4.5 times your annual income

Your deposit - It must be at least 5% of the property value or price (whichever is lower)

Your spending habits - Lenders look at outgoings to check you can afford the repayments

Your credit history - Banks and building societies use your credit history to see if you can manage debt
It's important to do a financial review yourself to make sure you can afford a mortgage before taking it on. This may give you a chance to identify any spending habits you could cut back on, helping you when you apply.

[H3] Our mortgage calculators

[H3] Stamp duty calculator

Find out how much stamp duty you'll pay on your property purchase.

[H3] Mortgage repayment calculator

See how much your future monthly repayments could be.

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[H2] How much are mortgage fees?

Mortgage fees can vary depending on the lender and the type of mortgage deal you choose. Common fees include:
Arrangement fee –  a charge for setting up your mortgage, usually between £0 and £2,000+. Some lenders let you add this to your loan, and some mortgage brokers may waive their fee or roll it into your mortgage.
Booking fee – a smaller upfront fee to secure a mortgage offer.
Valuation fee – the cost of having the property valued, usually £100 - £200+ depending on the lender.
Legal/conveyancing fees – solicitor or licensed conveyancer fees for handling the property transfer, typically £1,200 - £2,500+.
Early repayment charge (ERC) – a penalty if you leave your mortgage or overpay more than allowed during a fixed or discounted period.
It’s important to factor these fees into the total cost of your mortgage. Some deals advertise lower interest rates but may include higher fees, so comparing the total cost,not just the rate, can help you find the best overall deal.

Mortgage fees and other home buying costs with our broker partner, Mojo Mortgages

Play Video: Confused.com | How much it costs to buy a home

[H2] Types of mortgage rates

Choosing the right mortgage rate is an important step in getting a good deal. Some mortgages have fixed interest rates, and some have variable, so might change regularly.
It’s important you understand the different types so you can choose one suited to your financial situation.

A fixed rate mortgage has an interest rate that’s fixed for an agreed term. If you have a strict budget, a fixed-rate mortgage could work for you as you don't have to worry about your rate (and repayments) rising. But you won't benefit from lower repayments if rates fall.

A variable rate mortgage is different to a fixed rate deal as the interest rate can change during the deal period. It can go either up or down meaning your repayments are subject to change. The 3 main types of variable rate deals are standard variable rate (SVR) mortgages, discount mortgages and tracker mortgages.

A standard variable rate mortgage (SVR) is what your lender switches you to when your introductory period ends. Each bank or building society sets their own SVR and it tends to be a higher interest rate compared to other types of mortgages. So many people remortgage to another deal at this point.

A discount mortgage rate is set at a fixed amount below the lender's SVR and rises and falls alongside it. With discount and tracker mortgages, you may also get floors (the rate can't fall below a certain amount) or, more rarely, caps (the rate can't rise above a certain amount).

Tracker mortgage rates are tied directly to an external financial indicator, normally the Bank of England base rate. Your rate is normally set at a fixed amount above the base rate and changes alongside it.

An offset mortgage links your savings to your mortgage deal. You pay less interest on the debt as your savings amount offsets the mortgage loan, meaning you only pay interest on the difference. Offset mortgages are available with fixed or variable rates.

[H2] Other Types of Mortgages

First time buyer mortgages

Help to Buy mortgages

Remortgage

Home mover mortgages

Buy-to-let mortgages

Offset mortgages

95 mortgages

90% LTV mortgages

Self-employed mortgages

Guarantor mortgages

Bad credit mortgages

[H2] What the expert says about getting your best mortgage rate

"Getting the best mortgage rate isn’t just about choosing the lowest headline deal. Lenders look closely at factors like your deposit size, credit history and overall affordability. Improving your loan-to-value, keeping your finances stable, and comparing deals across the whole market can make a significant difference to the rate you’re offered. It’s also worth reviewing your mortgage regularly, as switching deals when your fixed rate ends could help you avoid higher standard variable rates"

[IMG: Ashlyn Trojnacki - Mortgage expert]

Ashlyn Trojnacki

Mortgage Expert

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[H2] Mortgage terms explained

Mortgages come with a lot of jargon, and some of the most important terms aren’t always clearly explained. The table below breaks down complicated mortgage terms you’re likely to come across:

Mortgage term
What it means

Loan to Value (LTV)

How much you borrow compared to the property’s value, shown as a percentage.

Early repayment charge (ERC)

A fee you may pay if you leave a mortgage deal or overpay more than allowed during a fixed period.

Standard Variable Rate (SVR)

The lender’s default interest rate, which you usually move onto when your initial deal ends and is often higher.

Stress testing

A lender’s way of checking whether you could still afford repayments if rates increased.

Negative equity

When your mortgage is worth more than the value of your property.

Capital

The original amount you borrow, not including interest.

Interest rate

The percentage a lender charges on the money you borrow. It affects your monthly repayments and total cost.

Base rate

The Bank of England interest rate that influences many mortgage rates.

[H2] Need more help?

[H3]

How can I improve my chances of getting the best mortgage deal?

Improving your chances of getting the best mortgage deal comes down to a few key factors that lenders look at:
Boost your deposit – A larger deposit lowers your loan-to-value (LTV) ratio, which can unlock cheaper mortgage rates.
Check your credit score – Make sure your credit history is accurate and avoid taking on new debt before applying.
Manage your finances – Lenders review your income, outgoings, and affordability, so keeping stable finances helps.
Compare mortgage types – Look at fixed-rate, tracker, and variable deals to find the option that suits your situation.
Consider remortgaging – Switching deals when your fixed rate ends can prevent you moving onto a more expensive standard variable rate (SVR).
Use a mortgage broker – They can access deals across the market, including exclusive rates that aren’t available directly.
Focusing on these areas increases your chances of being offered a competitive rate and helps you avoid costly mistakes.

[H3]

How much deposit do I need for a mortgage?

You normally need at least a 5% deposit for a property. This would give you a 95% LTV mortgage, but the lower the LTV ratio, generally the better deals you get access to.
This means some may choose to put down a larger deposit if they can afford to. The best rates tend to be available for those with 40% deposits or more.
There are also a very limited number of 100% mortgages on the market, which don't require a deposit like Skipton Building Society, but they have a strict criteria. Most no-deposit mortgages require a family member to act as a guarantor or put up their savings as a deposit.

[H3]

How long does it take to get a mortgage?

According to HomeOwners Alliance, you can expect to wait around 2 to 4 weeks between applying for a mortgage and it getting approved.
But this might not be the case for you – it could take longer. It depends on your individual circumstances and a mortgage broker can keep you updated on your application.

[H3]

Can I pay off my mortgage early?

If you’re thinking about paying off your mortgage early, some lenders might let you make increased monthly payments. Or you might be able to put down a lump sum as a single large mortgage overpayment.
Most lenders have limits on how much you can overpay before being charged ERCs, though. Get in touch with your mortgage provider to check what rules they have around overpaying on your mortgage.
If you're currently on the SVR, you won't face any ERCs. This is also the case for certain tracker products.

Show more

[H3] Tips & guides on mortgages

[H3]
The Bank of England base rate explained

The Bank of England base rate can affect how much interest you pay on your mortgage. Here’s how it works.

[H3]
Loan to value explained

What is loan-to-value (LTV) and what does it mean for buying a house?

[H3]
How do you save for a deposit

We look at the different ways you can make a mortgage more affordable

[H3]
Mortgages in principle

Let us take you through what you need to know about a mortgage agreement in principle.

[H3]
Tips for viewing a house before you buy

Buying a new home is a huge decision and it's important to know what to look for when viewing a house.

[H3]
How to make an offer on a house

After what seems like an eternity of searching, you've finally picked the house you want. Now you need to buy it.

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See all mortgage guides

[H3] Mojo's customers say:

“A great experience. Mojo takes the time to explain everything, answer any questions you have. They turn something that can be quite stressful and make it so simple.”

Erten
- Mojo Mortgages customer (June 2025)

“Brilliant service. No fees to pay. Provide good advice / recommendations after checking the market for products that are most suitable.”

Rich
- Mojo Mortgages customer (June 2025)

“I cannot rate Mojo Mortgages enough from start to finish the reps I have dealt with were all exceptional. My house buying process has been extremely long and drawn out which also meant I lost a mortgage offer. However Mojo were quickly able to find me an even better deal.”

Claire
- Mojo Mortgages customer (May 2025)

“Great customer care. Prompt and reliable. Would highly recommend.”

Olivia
- Mojo Mortgages customer (May 2025)

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[H3] Mojo is rated

[IMG: 4.5 green stars]

Mojo mortgages have a 4.8 rating based on 7000 reviews
as of 04/06/2025

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Reviewed by Ashlyn Trojnacki
Mortgage Expert

Updated on 29 January 2026

Home

Rewards

[H1]
Confused.com Rewards

Get £20 to spend with 100+ brands plus year-round hot drinks - every time you buy car, home, or van insurance through Confused.com. Travel insurance gets you a £5 reward too.
Already bought your policy? Claim in 3 simple steps below.
Download or open the Confused.com app:

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Scan to download:
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*Rewards available with qualifying purchases. App only. Maximum claim limit. T&Cs apply.

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[H2] How to get a reward

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[H3] Buy car, home, van or travel insurance through Confused.com.

Once you've bought an eligible product, open or download the Confused.com app and log in.

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[H3] Claim your reward in the Confused.com App within 60 days

Head to Rewards and tap "Claim your reward". We'll notify you once your reward is ready - usually within 14 working days.

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[H3] Spend your eGift Card

Once you have received your reward in the app, choose to spend it with a wide range of brands such as Asda or Tesco.

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[H2] Redeem with 100+ brands

Once you’ve added your reward to your Confused.com wallet, you have 6 months to redeem your wallet balance by choosing from our range of 100+ brands. You can then spend your eGift Cards online or in store.
From groceries to getaways, clothing to electronics – the choice is yours!
View the brand list

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[H2] Looking to buy your insurance?

Get a car quote
Takes less than 5 mins

Get a home quote
Takes less than 8 mins

Get a van quote
Takes less than 8 mins

Get a travel quote
Takes less than 2 mins

[H2] But that’s not all... Get free hot drinks, all year long**

Once you’ve added your reward to your wallet and we’ve verified your purchase, you’ll automatically get a free hot drink every month for a year in the Confused.com app.

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**One regular hot drink per month for a year, only available via the Confused.com app. T&Cs apply.

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[H2] Need more help?

[H3]
I’ve bought car, home, van or travel insurance. How do I get my reward?

Start by downloading or opening the Confused.com app. Then, go to the "Rewards" section and log in to your account.
Once logged in, tap "Claim your reward." We'll need to verify your purchase by checking some details about your policy, such as your policy number and the insurance company you chose. This can take up to 14 working days.
After your reward is verified, you'll receive an email or push notification letting you know it's ready to use. Redeem your reward with our range of brands.

[H3]
How do I choose an eGift Card?

Once you’ve added your reward to your wallet, tap ‘Redeem’ to convert your wallet balance to an eGift Card.
Remember, you can split your wallet balance across multiple eGift Cards if you’d like – just make sure you redeem your wallet balance within 6 months of adding it to your wallet.

[H3]
How do the eGift Cards work?

First choose to redeem your reward with a choice of over 100 brands and we’ll send you your eGift card.  Each eGift Card will come with clear instructions on how to use it. We’ll let you know whether you can use your eGift Card online or in-store before you select it.
The expiry date will be conveniently displayed on the eGift Card itself, so you can keep track of it. You can view your eGift card in the Confused.com app for up to 3 months.

[H3]
How will I know once my reward is ready?

Once verified, the reward value is added to your wallet and an email or push notification is sent to you. To turn on push notifications, go to “Notifications settings” In the settings section of the Confused.com app.

[H3]
Who can claim?

All customers who buy car, home or van insurance. You can claim a £20 eGift card - plus year round hot drinks from Greggs.
If you buy a travel insurance policy (over £4.99), you can choose a £5 eGift card.

[H3]
How many times can I claim?

Every time you buy car, home or van insurance through Confused.com, you can get a £20 reward!
Once you claim in the Confused.com app, your reward is added to your wallet and you’ll have 6 months to use it from the date it’s added. You can spend it straight away or build it up with more purchases.
If you buy travel insurance, you can claim a £5 reward up to twice in a 12-month period. You’ll also have 6 months to use it from when it’s added to your wallet.

[H3]
When will I get my free hot drinks?

Once your car, home or van reward claim has been verified, your first monthly hot drink will be available in the app.
From then on, you’ll get one free hot drink every month from the 1st, ready to claim whenever you fancy.
Bought travel insurance? You’ll get a £5 reward to spend with over 80 brands. The 12 monthly hot drinks are part of our car, home and van rewards.

[H3]
Do I need to download the app in order to access my reward?

Yes, your reward is only accessible through the Confused.com app Android version 9 and above, or iOS 15.1 or later. For more information or to download the app please see our app page.

[H3]
Can I access my reward without logging in to my account?

No, to redeem or use your reward you’ll need to be logged in. If you’re not logged in, we can’t verify or save any rewards in your wallet.

Get in touch

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Get £20 to spend with over 100 brands when you use Confused.com**

Home

Car insurance

[H1] Car insurance

[H2] Compare car insurance and save up to £511*

Retrieve quote

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*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (April '26). 51% of Confused.com car insurance customers could save £511.52
**Single annual policy. App only. Maximum claim limit. One regular hot drink per month for a year, only available via the Confused.com app. T&Cs apply.

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Rated Great - 4.2 out of 5

[H2] Compare car insurance quotes in minutes

Find our cheapest car insurance deal in just 3 quick steps. Used us before? It’s even faster! Just log in to get started.

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[H3] Tell us about yourself

We’ll ask you for details, like your car’s reg or make and model. Plus info about you, like your driving history and where you live.
Insurers use your details to calculate your best price.

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[H3] Choose your level of cover

Tailor your insurance to your needs, with three levels of cover ranging from basic third-party cover to top level protection.
You can also add optional extras, like breakdown cover.

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[H3] We’ll do the hard work

We compare trusted insurers to bring you policies that fit what you're looking for and your budget, with special offers and discounts.
Simply choose your deal and buy - it’s that easy!

Here’s what you’ll need to get a car insurance quote.

[H2] We compare 187 insurance companies1 to help save you money

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See all car insurance companies

[H2] Average car insurance costs

Confused.com's car insurance cost report shows the average cost of a comprehensive car insurance policy is now £711***. That’s just an average though. Your exact price depends on things like your age, experience, car, and location. Here's how insurers determine your prices.
It’s normal to see younger drivers paying more, while experienced drivers see lower prices, so take a look here at costs for your specific age.
***Each quarter, Confused.com data team analyses more than 6 million car insurance quotes from UK customers to create its car insurance cost report. This report tracks average premiums across the market, making it one of the most comprehensive and trusted measures of car insurance pricing for new policy quotes in the UK. Unless otherwise stated, all prices shown refer to comprehensive car insurance quotes obtained via Confused.com. Data from Dec 2025 - Feb 2026.

[H2] All age groups

The cost of car insurance has been gradually coming down since the start of 2024, after reaching record highs at the end of 2023.
In general, the older and more experienced a driver you are, the cheaper your insurance. This means young drivers are usually hit the hardest with policies sometimes costing thousands of pounds.
Explore the information on different age groups to find out more about why prices vary and tips to save money on your cover.

Age group
Annual price
Monthly equivalent (without interest)^

17-20

17-20

£1,837

£153.08

20-29

20-29

£1,264

£105.30

30-39

30-39

£850

£70.83

40-49

40-49

£686

£57.16

50-59

50-59

£538

£44.83

60-69

60-69

£448

£37.33

70+

70+

£466

£38.83

^Monthly equivalent price calculated by dividing the average annual cost by 12. Estimates exclude any interest that may be applied to a policy when opting to pay monthly. Insurers usually charge interest for spreading the cost.

[H2] The cost of car insurance for 17-20 year olds

For drivers aged 17 to 20, car insurance is among the most expensive, with the latest average policy costing about £1,837***.
It’s frustrating, but there’s a reason - insurers see new drivers as higher risk. Less experience means more chance of something going wrong. But thankfully, there are ways to bring these costs down.
Find out more about young driver insurance.

[H2] Top money-saving tips for young drivers:

Consider a black box policy – It tracks how you drive and rewards safer habits with lower prices.

Take an advanced driving course – It can help build your confidence and can lead to cheaper insurance.

Add a more experienced driver to your policy, like a parent, to help lower your payments. Just make sure you’re still listed as the main driver.

[H2] The cost of car insurance for 20-29 year olds

By now, you’ve probably got a few years of driving under your belt. Usually that means insurance starts to get a bit cheaper, with 25 year olds now paying an average of £1,201***.
That said, prices can still be high if you’ve had a claim, points on your licence, or not built up much of a no-claims bonus yet.
More information about car insurance for young drivers.

[H2] Top money-saving tips for 20-29 years old:

Build your no-claims bonus – The longer you go without making a claim, the more money you could save.

Avoid modifications – Spoilers or tinted windows might look great, but they can bump up your insurance price.

Choose a sensible car - Models in lower insurance groups tend to cost less to cover. Find out what insurance group a car is in with our checker.

[H2] The cost of car insurance for 30-39 year olds

Once you're past your 20s, you'll usually start to see a bigger decrease in your car insurance prices. The latest average policy for 35 year olds costs about £838***.
You’ve likely built up experience and maybe a decent no-claims bonus too.

[H2] Top money-saving tips for 30-39 years old:

Shop around every year – There could be better deals out there. It might surprise you how much you could save!

Avoid auto-renewing – Even if your price seems fair, sticking with the same insurer can cost you more.

Pay annually if you can - Paying monthly often comes with added interest. If you’re able to pay upfront, it usually works out cheaper.

[H2] The cost of car insurance for over 40s

Insurance costs are often still fairly low at this stage, with over 40s paying an average of £585***. But they can start to creep up again as you approach 70.
That’s because insurers factor in things like your age, health, and how often you drive.
Find out more about over 50’s car insurance.

[H2] Top money-saving tips for over 40s:

Review your level of cover – Had the same policy for years? It’s time to review it! You might be paying for extras you no longer use.

We’ll beat your renewal – Or we’ll pay you the difference - plus an extra £20!

Not driving as much these days? Only pay for the miles you use with a pay-as-you-go policy.

[H2] The cost of car insurance for over 70s

Once you hit 70, you’ll need to renew your driving licence every 3 years.
At the same time, insurers may start to reassess your risk level – which can sometimes lead to higher costs, even if nothing about your driving has changed. The latest average policy costs about £466***.
Find out more about car insurance for over 70s.

[H2] Top money-saving tips for over 70s:

Look at specialist providers for older drivers – Some providers offer lower prices or more tailored cover.

Don’t overestimate your mileage – If you drive less these days, you could get cheaper quotes if you’re realistic with your annual mileage.

Switch to 'retired' not 'unemployed - If your previous job was seen as high risk and your now retired, this could help reduce how much you pay.

[H2] Find out what you could pay for your car insurance

Our car insurance calculator helps you get an idea of the average car insurance prices for someone of your age, gender and location. We look at data from over 6 million car insurance quotes taken from our quarterly car insurance report.
The price you pay for your car insurance policy depends on your personal circumstances.
***Figures are sourced from Confused.com’s average car insurance prices report, which analyses over six million car insurance quotes each quarter to reflect average UK car insurance premiums. Data from Dec 2025 - Feb 2026.

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[H2] Tell us your details to get the average car insurance price for your area

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[H2] The cheapest time to buy car insurance

‘’The right timing can make all the difference when it comes to your car insurance prices.
In fact, we’ve found that buying around 28 days before your policy start date is cheaper than any other time2.
But whenever you buy, it still pays to be organised. Buying early shows insurers you’re careful, so they might reward you with a discount!
Need a policy sooner? Not to worry. There are still plenty of ways that you could save money on your next car insurance policy.‘’
2Data from Confused.com (Dec 2025 - Feb 2026) reveals that the best time to purchase a comprehensive car insurance policy is 28 days before your existing policy is due to renew.

[IMG: Rhydian Jones - Confused.com Commercial Director]

Rhydian Jones

Commercial Director & Motoring Expert

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[H2] Get £20 to spend with 100+ brands plus year-round hot drinks when you buy**

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**Single annual policy. App only. Maximum claim limit. One regular hot drink per month for a year, only available via the Confused.com app. T&Cs apply.

[H2] Save money on your car insurance

Want a cheaper car insurance quote? Follow these simple tips:
[H2] Make sure your mileage is accurate
Overestimate, and you pay more than you should. Underestimate, and you risk invalidating your policy. The UK avaerage is around 7,100 miles each year, according to the Department of Transport.
[H2]
Add a named driver
An older, experienced driver can lower your price, but adding a younger driver could push it up. Find out more about adding a named driver to your policy.
[H2]
Check your job title is correct
Some job titles cost more. Be accurate, but don’t tweak it just to save, you could invalidate your policy. See our guide on the cheapest and most expensive job titles for car insurance.

[H2]
Park securely
A driveway or garage can be cheaper compared to parking on the road . If you don’t have a driveway there are other ways you can make your car more secure.
[H2]
Pay annually if you can
Paying in one go is usually cheaper than paying monthly, as insurers charge interest for spreading the cost. If you can afford it, pay upfront and pocket the savings!
Want more money-saving tips? Check out our full guide on how to get cheap car insurance, or see the cheapest cars to insure!

[H2] Choosing the right car insurance

There are 3 main levels of cover to choose from. It's a legal requirement to have at least third party cover in place. Whichever you choose, make sure to understand what's covered and any excess you might have to pay if you need to make a claim.

[H3] Comprehensive

Get the highest level of protection - covering you, your car, other people, and their property. Surprisingly, it’s often the cheapest option too.

[H3] Third-party fire & theft

Covers damage you cause to others, plus theft and fire damage to your car. A solid middle ground for essential protection without extras.

[H3] Third-party only

The bare minimum required by law. Covers damage to others and their property but not your car. Even though this option offers the lowest level of protection, it isn’t necessarily the cheapest.

[H2] What does car insurance cover?

Standard features vary by insurer. When comparing our 187, look out for these features on your quotes page to see exactly what you're buying.

Feature
Comprehensive
Third party fire and theft
Third party only

Injuries to other people
Included
Included
Included

Damage to others' property
Included
Included
Included

Fire or Theft of your car
Included
Included
No

Accidental damage to your car
Included
No
No

Windscreen Cover
Varies
Optional extra
No

Courtesy Car
Varies
Optional extra
No

Motor Legal Protection
Optional extra
Optional extra
Optional extra

Breakdown Cover
Optional extra
Optional extra
Optional extra

Personal Belongings
Varies
No
No

Driving Other Cars (DOC)
Check policy
No
No

Don't assume you can drive other cars with all comprehensive policies. This benefit is usually restricted to drivers over 25 and excludes some job titles. Check your specific certificate of insurance to make sure you have it included.

[H3] Got your renewal quote? We can do better!

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[H3] What our customers say:

"Quick and simple with competitive pricing … worth a visit !"

Fred
- Confused.com customer (April 2026)

"Easy to use and had a lot of competitive quotes, I purchased my car insurance and will receive a £20 shopping voucher & a ho