UK car insurance estimator
Free UK car insurance calculator. Estimate your annual and monthly premium from age, cover level, insurance group, mileage, location, no-claims discount and excess — instant and private.
How to use
- Enter your age and car. Add your age, the car's insurance group (1–50) and your annual mileage. Younger drivers and higher-group cars raise the estimate.
- Choose your cover level. Pick third-party, third-party fire & theft, or comprehensive. Third-party is the legal minimum; comprehensive also covers your own car.
- Set no-claims and excess. Select your no-claims discount and voluntary excess. More no-claims years and a higher excess both lower your premium.
- Review your estimate. See your estimated annual and monthly premium, the typical range, and how each factor contributes.
Features
- UK rating factors. Uses age, cover level, insurance group, mileage, location, no-claims discount and excess — priced the way UK insurers do.
- Annual, monthly and a range. A point estimate plus a low–high band, because UK quotes vary widely between insurers and price-comparison results.
- Cover-level comparison. Compares third-party, third-party fire & theft and comprehensive so you can weigh the difference in pounds.
- Transparent method. Shows its data vintage and sources on every estimate — no black box, no email required.
- 100% private. All maths runs in your browser. Your details are never uploaded, stored or shared.
When to use it
- Checking a renewal price before it auto-renews
- Seeing whether comprehensive really costs more than third-party
- Estimating how a full no-claims discount cuts your premium
- Working out the premium impact of a higher-group car
- Budgeting motoring costs before buying a car
Is it private?
Every calculation runs in your browser. Your age, car and driving details are never uploaded, stored or shared.
Frequently asked questions
Is this a real UK car insurance quote?
No. It is an educational estimate based on published average premiums and standard rating factors. A real quote depends on your postcode, insurer and history, so compare quotes on the market for exact prices.
What is an insurance group?
Every car in the UK is rated in an ABI insurance group from 1 (cheapest to insure) to 50 (most expensive), based on factors like value, performance and repair costs. Higher groups raise your premium.
Does third-party always cost less than comprehensive?
Not always in the real market — higher-risk drivers sometimes pay more for third-party. This estimator treats comprehensive as the baseline and shows the typical relative cost of each cover level.
How does the no-claims discount work?
Each claim-free year builds a no-claims discount that reduces your premium, up to a maximum after several years. This tool reflects that with a factor for the number of years you hold.
Do the rates stay accurate?
Average premiums move year to year, so each estimate shows the data vintage it uses. The rating factors themselves are far more stable.
Is my information private?
Yes. Everything runs locally in your browser with no upload, no storage and no sign-up.
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