Cheap car insurance quotes

Like death and taxes, car insurance is unavoidable if you want to keep your vehicle on the road and the right side of the law.

Fortunately, calling round dozens of insurers for a quote has been consigned to history — with GoCompare you only need to fill out a single form with your personal information, details of your car and any extra drivers you want to put on your policy.

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How to get a car insurance quote

If you know your number plate it’ll save you time, but if not just choose your make and model and you’re on your way to quotes galore.

Next, you’ll need to let us know:

Your car’s value

How much no-claims bonus you’ve amassed

Your annual mileage

Usage — social, commuting or business

Your occupation

Quotes that cater to you

Once you’ve got some quotes to look at, you can narrow things down a bit if you know exactly what you want:

Choose your voluntary excess

Opt to protect your no-claims bonus

Decide whether to pay monthly or annually

Change any of these and you’ll get a fresh set of prices to fit your new answers.

Whether you need comprehensive insurance, third party fire and theft or third party only for just the one car or many, it’s easy to get the cover you need.

You don’t need to take our word for it either — when you get your quotes they come along with helpful information and star ratings from financial researcher Defaqto, so you’ll see exactly what you’re buying.

Need to know more about car insurance?

We’re committed to keeping you well-informed and on the road, so if you’re puzzled by any aspect of your policy, roll up the door to our Car insurance garage for guides, tips and help on all things motoring and car insurance.

Did you know…?

67% of motorists pay the renewal price, potentially missing out on cheaper car insurance premiums

32% of drivers have been with their current insurer for three years or more

Telematics (black box) policies, women’s car insurance, older motorists, modified cars, young drivers, classic cars, and learner drivers – it’s all here.

There’s also plenty to read and delight on wider motoring issues.

Vehicle security, flood cover, optional extras on your insurance, fronting, crash-for-cash, how quotes are calculated, claim rejections, how driving convictions impact on premiums and money-saving tips — peruse at your leisure.

Whether you’re looking for a full coverage car insurance policy or liability coverage only, nobody wants to overpay. And the best way to get the cheapest car insurance possible is by comparing car insurance quotes — and the companies offering them.

IGN UP: Find savings on your car expenses

To get you started, NerdWallet looked at car insurance prices across the country for different driver profiles and coverage levels. We’ve sliced the data in several ways to give you an idea of average costs and what factors might nudge your car insurance rate up — or even better, down.

Cheapest overall: Liability-only car insurance

Cheapest of the big car insurance companies

Check out smaller insurers, too

Cheapest car insurance in your state

How to get the cheapest possible insurance

Cheapest overall: Liability-only car insurance

The cheapest car insurance will often be the minimum coverage required in your state, which in most states is liability insurance. Liability insurance covers property damage and medical bills for others due to accidents you cause. Some states require additional or alternative coverage, such as personal injury protection.

Full coverage car insurance is more expensive and often comes with a deductible, a set amount you are responsible for if you file a claim. But it also provides more expansive coverage for your car, like if it’s stolen or damaged, whether by you, a hit-and-run driver or a fallen tree.

To get an idea of the cheapest car insurance rates, period, we looked at quotes from available carriers for the minimum required insurance in each state. Then, we compared it to the average cost of full coverage car insurance to show the difference in cost.

How to get the cheapest possible insurance

No matter who your auto insurance company is, here are tips for saving on your policy:

Look for discounts — even ask for them. There could be discounts you’re not taking advantage of. For instance, maybe you retired and are driving less than when you bought your policy. Mention it and you might get a low-mileage discount.

Rethink insurance limits and deductibles. A higher collision and comprehensive deductible might make sense if you rarely drive or are financially comfortable with the risk. Raising deductibles means you’d owe more out of pocket if you had to file a comprehensive or collision claim, but it’s a surefire way to get cheaper car insurance.

Know when to cut coverage. Don’t strip away coverage just for the sake of a lower price. You’ll need full coverage car insurance to satisfy the terms of an auto loan, and you’ll want it as long as your car would be a financial burden to replace. But for older cars, you can drop comprehensive and collision coverage, which only pay out up to your car’s current value, minus the deductible.

Cash in on major life changes. Certain life events could translate to cheaper car insurance. For instance, many companies offer a lower rate for married couples or domestic partners. Or perhaps you moved to a suburb with lower accident and crime rates. If your risk for accidents goes down, your rates just might, too.

We help you find the right type of cover, at the best price for you.

Whether you have one car or five, classic car or camper van, even teenagers looking to insure their first set of wheels, we can help. Choose from Multi‑Car, Single Car or our Black Box Insurance, LittleBox. Once you’ve figured out which car insurance policy is right for you and your family, you just need to decide which level of cover you need.

Third party

This is the most basic level of cover as required by law. If you’re involved in an accident, we will pay out to the third party involved but you won’t be compensated for damage to your own vehicle.

Third party fire and theft

As well as paying out to a third party if you’re involved in an incident, this level of cover will also protect your car from damage caused by fire or theft. However, it will not pay out if your car’s damaged in another way such as a bump or crash.

Comprehensive cover

This is the most complete insurance you can buy; it includes Third Party, Fire & Theft and will pay out to repair or replace your car if it’s damaged in an accident or suffers malicious damage.

Need more information? Read our ‘which level of cover?’ guide

If you have more than one car, come to us direct as you won’t find Admiral MultiCar on comparison sites.

What do I need to get a car insurance quote?

We cover the whole of the UK and Northern Ireland and it’s quick to get a quote — it only takes five minutes. Here’s the information you’ll need to hand when you get a quote:

  1. Car details

Don’t worry if you don’t know your car registration, just enter the make, model and year it was made and we’ll find your car.

  1. Driver information

Including names, dates of birth and driving licence details. Any motoring claims or penalty points you or your named drivers have. Claims information for three years and motoring convictions for five.

  1. No Claims Bonus

This means a discount for you, so make sure you know how many years No Claims Bonus you have. You should be able to find this on your existing policy documents, if not your previous insurer will tell you.

If you are looking for more advice why not take a look at our related guides.

What affects insurance premiums?

There are loads of articles online telling customers how to get cheaper car insurance, but with every insurance provider rating on different things, what actually affects the amount you pay for insurance?

At Admiral, we look at factors such as your age, driving experience, driving record and the type of car you drive.

Every car in the UK is placed in an insurance group ranging from 1 to 50, 1 being the cheaper end and 50 the highest with the likes of sports cars. But it’s not as simple as a cheap car = cheap insurance, the groups also take into account driving style.