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What is the best car insurance in 2024?

Moneyfacts has been analysing data for 35 years and our Star Ratings act as a badge of quality, providing an easy way for you to identify exceptional products that deserve your consideration.

The chart below shows a selection of Car Insurance Providers awarded four and five stars. Scroll down to see the full list of winners below.

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Featured car insurance providers

  • Swinton

    Key Benefits

    • Loss or damage caused by fire, theft, accident or malicious damage
    • Protected No Claims Bonus (optional)
    • Courtesy car
    • Breakdown cover (optional
  • Saga

    Park your car insurance with SAGA 

    • Steer clear of price rises – choose Saga Plus and we’ll lock the cost for 3 years if nothing changes. T&Cs apply. You can cancel any time without paying a fee.
    • Moneyfacts 5 Star rated – Saga Car Insurance is one of the top products out there.
    • Always room to manoeuvre – 3 Comprehensive cover levels to choose from, for people over 50.
    • 99% of claims paid in 2023 – plus a guaranteed courtesy car while yours is at an approved repairer after a UK accident.
  • LV=

    Insurance is simple when it’s me and LV=

    • Highest quality Moneyfacts 5 star rated cover for Car insurance
    • We pay out on 99% of claims*
    • With our multi car insurance you'll save 12.5% on every car you add to your policy**
    • Tailor your cover with optional extras
      *99.48% of direct motor claims paid Apr '23- Mar '24. **Discounts are applied individually for each car.
  • By Miles
    • A fairer kind of car insurance for lower mileage drivers.
    • Simple, straightforward car insurance that you pay by the mile.
    • The less you drive, the less you pay.
    • Pay for what you use and always be covered by fully comprehensive insurance. No Claims Bonus protection comes as standard.
    • Instantly see the exact cost of each day’s driving in our app, then pay for what you’ve driven monthly. Simple as that.
    • Stay in complete control with simple bills, reminders and features to help you take care of your car on a daily basis.
    • Cover available to drivers between 17 and 80 years old
  • Admiral
    • Windscreen Repair - Policyholders are eligible for the repair and replacement of windscreens (excess applies).
    • Courtesy Car - Use of a courtesy car whilst your car is being repaired at an Admiral approved garage.
    • European Cover - Up to 90 days cover in Europe
    • Stereo Cover - Unlimited cover for standard sound systems.
    • £5,000 Personal Injury Cover - Get £5,000 of personal injury cover for you and your partner.
    • Sat-Nav and Personal Belongings Cover - If your personal belongings or effects are damaged or stolen while in your car, we'll pay up to £150.
    • 24 Hour Emergency Helpline
  • Carole Nash
    • Classic car insurance specialist.
    • Up to £100,000 legal cover for non-fault accidents.
    • UK & European breakdown cover.
    • Agreed value available.
    • Salvage retention rights.
    • Up to 15% discount for club members.
    • Choose your own specialist repairer.
    • Shows, rallies and events cover.
    • Have gained recognition with numerous awards and commendations over the years.
    • The Carole Nash team boast a wealth of expertise when it comes to classic car insurance, so you can be confident you’re dealing with the very best.
Note

Links to third parties on this page are paid for by the third party. You can find out more about the individual products by visiting their site. Moneyfactscompare.co.uk will receive a small payment either if you click the links or if you use their services after you click through to their site. All information is subject to change without notice. Please check all terms before making any decisions.

Disclaimer

The list of car insurance providers on this page is a selection of services available and gives you an idea of the kind of options available. You can find out more about the individual products by visiting any of the providers listed. All information is subject to change without notice. Please check all terms before making any decisions. This information is intended solely to provide guidance and is not financial advice. Moneyfactscompare.co.uk will not be liable for any loss arising from your use or reliance on this information. If you are in any doubt, Moneyfactscompare.co.uk recommends you obtain independent financial advice.

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How does a star rating help me find the best car insurance?

Our independent and impartial star ratings provide consumers with an expert view of the whole market. Customers use our star ratings as an honest and reliable way to identify the products and providers that offer the best benefits.

What parts of the car insurance policy do we look at?

The many factors we look at to determine star ratings include:

  • Compulsory excess
  • Voluntary excess discount
  • Multi-car discount
  • No claims discount
  • No claims discount protection
  • Uninsured driver cover
  • Telematics
  • Courtesy car
  • New car replacement
  • Transport from accident
  • Loss/theft of keys
  • Driving other cars
  • Personal accident
  • Legal assistance
  • Breakdown cover
  • Audio equipment cover
  • Sat nav cover
  • Medical expenses limit
  • Repair guarantee
  • Misfuelling cover
  • Foreign usage availability and limits
  • Windscreen cover
  • Child seat cover
  • Vandalism cover
  • Personal belongings
  • Set-up fees
  • Compulsory excess
  • Voluntary excess discount
  • Multi-car discount
  • No claims discount
  • No claims discount protection
  • Uninsured driver cover
  • Telematics
  • Courtesy car
  • New car replacement
  • Transport from accident
  • Loss/theft of keys
  • Driving other cars
  • Personal accident
  • Legal assistance
  • Breakdown cover
  • Audio equipment cover
  • Sat nav cover
  • Medical expenses limit
  • Repair guarantee
  • Misfuelling cover
  • Foreign usage availability and limits
  • Windscreen cover
  • Child seat cover
  • Vandalism cover
  • Personal belongings
  • Set-up fees
  • Compulsory excess
  • Voluntary excess discount
  • Multi-car discount
  • No claims discount
  • No claims discount protection
  • Uninsured driver cover
  • Telematics
  • Courtesy car
  • New car replacement
  • Transport from accident
  • Loss/theft of keys
  • Driving other cars
  • Personal accident
  • Legal assistance
  • Breakdown cover
  • Audio equipment cover
  • Sat nav cover
  • Medical expenses limit
  • Repair guarantee
  • Misfuelling cover
  • Foreign usage availability and limits
  • Windscreen cover
  • Child seat cover
  • Vandalism cover
  • Personal belongings
  • Set-up fees

Car Insurance Star Ratings 2024

Click the headings below to see the full list of star ratings awarded.

Car Insurance - Five Star

1st Central - 1st Central Connect
1st Central - 1st Central Legal
1st Central - 1st Central Plus
1st Central - 1st Central Premier
AA - Car Insurance AA Members
AA - Car Insurance Non Members
AA - Gold Car Insurance AA Members
AA - Gold Car Insurance Non Members
AA - Platinum Car Insurance AA Members
AA - Platinum Car Insurance Non Members
AA - Silver Car Insurance AA Members
AA - Silver Car Insurance Non Members
Admiral - Admiral Gold
Admiral - Admiral Platinum
Admiral - LittleBox
Admiral - LittleBox Pod
Admiral - MultiCar
Ageas - Car Insurance
Autosan - Motor Insurance
Aviva - Motor Insurance
Aviva - MultiCar Insurance
Aviva - Online Motor Insurance
Aviva - Online Premium Motor Insurance
Aviva - Zero Car Insurance
AXA Direct - Plus Car Insurance
AXA Insurance - Car Plus
BEAM - Car Insurance (Members)
BEAM - Car insurance (Non-Members)
BMW Insurance - BMW Flex Car Insurance
By Miles - Car Insurance
Churchill - Car Insurance
Churchill - Car Insurance Plus
Churchill - DriveSure Car Insurance
Co-op Insurance - Motor Car Insurance
Darwin - Gold Car Insurance
Darwin - Platinum Car Insurance
Dial Direct - Premier Car Insurance
Direct Line - Car Insurance
Direct Line - Car Insurance Plus
Direct Line - DrivePlus Car Insurance
Direct Line - Select Premier
Esure - Car Insurance
First Alternative - Car Insurance
Flow - Flow Annual Car Insurance
Forces Mutual - Car Insurance
Geoffery Insurance - Plus Car Insurance
Hastings Direct - Hastings Direct Car Insurance (XA)
Hastings Direct - Hastings Direct YouDrive
Hastings Direct - Hastings Premier Car Insurance (XA)
Hedgehog - Private Car
insurePink - Car Insurance (XA)
insurethebox - Private Car
John Lewis Insurance - Car Insurance
Lexus Insurance - Motor Insurance
LV= - Car Insurance
LV= - Flow Annual Car Insurance
M&S Bank - Premier Car Insurance
Mercedes-Benz Insurance - Motor Insurance
MINI Insurance - MINI Flex Car Insurance
Moja - Moja
NatWest - Premier Motor Insurance
NFU Mutual - Car Policy
People’s Choice - Car Insurance (XA)
Police Mutual - Car Insurance
Porsche - Car Insurance
Privilege - Car Insurance
Privilege - Car Insurance Plus
Privilege - DriveXpert Car Insurance
Provident Insurance - Car Insurance
RAC - Car Insurance Plus
RIAS - Car Insurance
Royal Bank of Scotland - Premier Motor Insurance
Saga - Saga Plus Motor Insurance
Saga - Saga Select Motor Insurance
Saga - Saga Standard Motor Insurance
Sainsbury’s Bank - Car Insurance
Sainsbury’s Bank - Car Plus
Sheilas’ Wheels - Car Insurance
smart - Motor Insurance
Swiftcover - Swiftcover Plus Car Insurance
Swinton Insurance - Premier Car Insurance
Tesco Bank - Car Insurance
Toyota Insurance - Motor Insurance
Volkswagen Insurance - Car Insurance

Car Insurance - Four Star

1st Central - 1st Central
Admiral - Car Insurance
Admiral - Plug & Drive
Ageas - Optima Plus
Audi Insurance - Car Insurance
AXA Insurance - Car Insurance
Bell - Plug & Drive
boom - boom
boom - boom Plus
boom - boom Premium
Budget Insurance - Private Car Policy
Covéa Insurance - Private Car
Darwin - Car Insurance
Dial Direct - Car Insurance
Diamond - Car Insurance
Elephant - Car Insurance
Fish Insurance - Car Insurance
Ford Insure - Car Insurance
General Accident - Car Insurance
General Accident - Telematics Car Insurance
Go Girl - Private Car Insurance
Got2Insure.com - Motor Insurance
Hughes Insurance - HughesDrive (NI Only)
iGO4 Insurance - iGO4 Classic
iGO4 Insurance - iGO4 Electric
iGO4 Insurance - iGO4 More
Insure 2 Drive - Private Car Insurance
Lifesure Group - Motor Insurance
Lloyds Bank - Car Insurance
M&S Bank - Standard Car Insurance
Marmalade - Black Box Insurance
nutshell - Car Insurance
Policy Expert - Gold Car Insurance
Post Office Money - Over 50s Car Insurance
Prestige Underwriting - Drive NI (NI Only)
Quotemehappy.com - Connect Plus Car Insurance
Quotemehappy.com - Plus Car Insurance
RAC - Black Box Insurance
Santander - Car Insurance
Seat - Car Insurance
Skoda - Car Insurance
Swinton Insurance - Classic Car Insurance
Tesco Bank - Box Insurance
WiseDriving - Intelligent Car Insurance (App and Device)
WiseDriving - Intelligent Car Insurance (Black Box)
WiseDriving - Intelligent Car Insurance (Self-Install)

Car insurance explained

Can you get an insurance quote before buying a car?

Yes, you can use a comparison site and the car’s registration details to find out how much this might cost to insure if you go ahead and buy the car. Sometimes when you a buy a car from a dealer it will come with seven days’ free insurance.

How long does a car insurance quote last for?

Each insurer will state how long their car insurance quote is valid for. Some insurance firms choose to update their pricing as and when required, while others allow for quotes to be valid for a set number of days. Quotes can be valid for 30 days or up to 90 days. If you obtain a quote and then need to make a change, this can also change the price you are quoted.

 

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Why are my car insurance quotes so high?

The cost of your insurance will depend on your own personal circumstances, your vehicle, where you live and then a range of elements that affects the insurers total costs such as the level of claims, insurance tax and the number of personal injury claims.
Penalty points and previous accidents or moving to an area with higher levels of crime can all increase your insurance premium.

How to cut car insurance costs – 4 tips to keep down your premium

1. Avoid auto-renewing your insurance

Insurance customers that do not shop-around can find that their renewal quote creeps up year after year. While auto-renewing is convenient and can help to make sure you are not accidentally uninsured it could cost you more money. This is because of a practice called ‘price walking’ where insurers creep up their renewal prices despite there being no change in the customer’s risk profile.

The Financial Conduct Authority (FCA) identified 6 million policy holders that were paying high or very high amounts for their insurance policy (across home and car insurance) in 2018. The regulator has stopped price walking from 2022 from when car insurance providers have had to offer the same prices to new customers as they do for existing ones. Those wanting the cheapest car insurance still need to be vigilant and continue to shop around for the best insurance deals as prices will still differ between providers.

2. Make a diary note to start getting quotes one month before your policy expires

Research from moneysavingexpert shows that the best time to get insurance quotes is between 20 to 26 days before your policy expires. Their research suggests that insurers include the amount of time allowed for getting car insurance quotes as a risk indicator. Those that leave it to the last-minute pay more for their car insurance on average.

3. A multi-car policy could save money for families with more than one car

Some insurers offer discounts for insuring multiple cars with them. You should still shop around to compare the premiums.

4. Check the interest rate charged if you pay your insurance monthly

If you pay your insurance monthly, you will usually be charged interest on the total quoted for your car insurance policy. This is because the insurer is lending you the money to pay for the policy upfront and you are then paying back this debt to the insurer. If you can pay upfront this will save you interest costs. If you need to pay monthly then check the interest rate you will be charged and include this when you compare the cost of car insurance quotes.

When is the best time to renew car insurance?

Getting a car insurance quote too soon or too late could cost you extra pounds according to research conducted in 2019 by moneysavingexpert. This showed that the lowest car insurances rates available through insurance comparison sites was between 20 to 26 days before your policy is due to start.
Insurers base their pricing on risk, and this includes your driving history, location and vehicle type along with other factors.

The research from moneysavingexpert suggests that insurers also use how much time you allow to get a quote before your policy start date as a risk indicator. Those who plan ahead allowing about three weeks before their policy start date are seen as less of a risk than the equivalent applicant requesting a quote closer to their start date.

How to find car insurance quotes

The best insurance policy should combine a competitive price, product features and cover that you need with a good experience if you should need to make a claim. Before you start to search price comparison sites, you should have a look at review and ratings to see which insurers have a good reputation.

We’ve listed above those car insurers and their specific policies that have been recognised by Moneyfacts with a four- or five-star rating – this is based on their product features. This will help you to apply directly to those insurers that offer good quality car insurance policies.
Review sites can also be a good source to find out people’s experiences of claiming through a car insurance company.

Once you have an idea of those insurers that should meet your needs in terms of a good quality product and a positive claims experience you can then look for the lowest price either directly, using our table above or through a comparison site.

Car insurance FAQs

How to get cheap car insurance for 17-year olds?

Younger drivers can often lower their insurance premiums by using a tracking device in their vehicle, this monitors their driving speed and style, as well as the times of day or night that they drive. A score is then applied and if this is good there is the potential for a lower rate at renewal. Sometimes this ‘black box’ insurance policies also restrict when you can drive, for example after 10:00 at night.

Does a car insurance quote affect your credit score?

When you get a car insurance quote, the insurance provider will run a soft credit check to check your details. They will only perform a full credit check if you decide to pay for your insurance monthly. This is because when you pay for your insurance monthly you are in fact borrowing the full cost of the premium from the insurer and then paying this back each month. This means you are also usually charged interest on the monthly payment too.

A soft search to check your identity does not have an impact on your credit score, you will only see an affect on your credit score once a hard check is made if you decide to pay for your policy monthly.

Find out more about insurance quotes and your credit score in our guide.

Compare all insurance

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Moneyfactscompare.co.uk will never contact you by phone to sell you any financial product. Any calls like this are not from Moneyfacts. Emails sent by Moneyfactscompare.co.uk will always be from news@moneyfacts-news.co.uk. Be ScamSmart.