Our articles are written by experts in their fields (finance, trading, insurance etc.) whose signatures you will see at the beginning and at the end of each article.
They are also systematically reviewed and corrected before each publication, and updated regularly.
Car insurance is a really complex area, with dozens of companies all giving different kinds of cover. And because of the way quotes are tailor made for individuals, there’s little freely available price information so you have no idea what’s a good quote and when your insurer’s taking advantage of you.
Fed up with not knowing where to look?
In this article, we’re going to try to sum up the market to give you a feel for what you might pay. We’ll look at different types of driver – young, student, women, as well as different types of insurance such as comphrensive, third party only, third party fire and theft. We’ll also consider the best insurers for different types of car, such as classic car insurance. You should get a good idea of where to look for a quote – and how much you might need to pay to get the best car insurance.
What are the best car insurances for women?
There's quite a specialist sector for female car insurance. These insurers offer specially designed insurance for women drivers. We show some of the insurers who offer the best car insurance for women in the table below.
Insurance company
Annual premium £*
Main features
£876
Female and family friendly repairers
Courtesy car and up to £300 handbag cover as standard
5 star Defaqto rating
Special deals for younger drivers- car seat cover, replacement
£974
One of UK's biggest car insurers (not female car insurance specialist)
Often good value for money
Includes courtesy car as standard
£978
Courtesy car provided as standard
Low excess for most policies
Car seat cover up to £300
£1,460
£10 donation to Pink Ribbon cancer charity for every policy
DeFaqto 5 star rated
Includes courtesy car, Drive Other Car cover and windscreen cover
£3,232
Offers insurance for young, learner and student drivers
The following table compares the best student insurance policies offered by some of the most popular providers:
Insurance companies
Premium per year
Our comment
£1234,27
Often one of the cheapest quotes for students
Black box specialist for younger drivers
£1,409
Black box based
Weekly rewards for good driving
Has its own app for rewards
Competitive quotes
£1,945
One of the biggest car insurers
Good for student and young drivers (black box policies available)
Often highly competitive prices
Ask for quote
Experts in young driver cover
Black box required
No curfew
£5,547
Female friendly insurance
Includes windscreen, handbag and courtesy car cover
£7,072
NUS recommended
No 1 student insurance provider
Not always the cheapest quote
Best student car insurances
What are the best car insurances for new drivers?
The following table compares the best new driver insurance policies offered by some of the most popular providers:
It lists some quotes from prominent insurers for 17-20 year old mini car drivers living in the Greater London area.
Insurance provider
Black box policy
Annual premium
Yes
£2,296.63
Yes
£2,461.29
Yes
£2,888.21
Yes
£2,975.36
Yes
£3,006.69
Best new drivers car insurances
What are the Best black box car insurances?
The following table compares the best black box insurance policies offered by some of the most popular providers:
Black box insurance companies
Quotes
Features of policy
Opinion
£2,134.76 per year
Designed specifically with young and new drivers in mind between the ages of 17 and 30.
Both learner drivers and full license holders can use these policies.
Does not offer cover for short-term cover, business and commercial use
Earn no claims discounts with this policy
Earn your discounts every time you renew
Offers fully comprehensive policy plans
Data tracking offered by a self-fit device that’s sent in the post to install when you can
Policies have proven to reduce the risk of you being involved in an accident by as much as 400%
£2,296.63 per year
Hastings Direct Smart Miles offers access to free app to monitor all data collected about your driving performance
You can earn no claims discounts on your policy
Offers a 10% discount for student drivers
App is capable of helping you map out your journeys and offers driving tips in real-time to reduce your premiums
Drivers must drive less than 15,000 miles per year
You must mainly drive between the hours of 5am and 10pm to remain covered and not void your policy
Holds thousands of five-star black box car insurance reviews from drivers across the country
£2,875 per year
Specifically designed for new and young drivers who want to start with driving with low premiums but want to move to a traditional policy within two years
Offers a free courtesy car guarantee in case you ever need it
No night time curfews to void your insurance, but driving between 11pm and 5am can affect your driving score
Earn discounts and reduced premiums for being a consistently safe driver
Offers business use black box car insurance, but some restricted do apply
Offers the ability to add optional extras such as motor legal expenses cover and UK breakdown cover
Allows discounts in premium with no claims bonuses and named driver discounts
Allows you to download the free dedicated smartphone app to track driving and offer more discountsNo policies available for black box insurance over 25
£2,978 per year
Offers policies with no curfews or mileage limits
Offers plug-and-drive policies with no need to install a black box into your car
Works by recording six months worth of data you then send back to Bell to receive your discounts
Not a fully automatic real-time process to recording and sending off data wirelessly
Insurance policies provided by Admiral with all included benefits they provide
£3,006.69 per year
Specifically designed for new and young drivers who want to start with driving with low premiums but want to move to a traditional policy within two years
Offers a free courtesy car guarantee in case you ever need it
No night time curfews to void your insurance, but driving between 11pm and 5am can affect your driving score
Earn discounts and reduced premiums for being a consistently safe driver
Recommended by 9/10 of existing customers
One of the most trusted car insurance providers in the UKOffers free Motor Legal protection for the first 12 months of your policy
Offers both an uninsured driver guarantee and vandalism cover promise
£3,012 per year
Offers third party to fully comprehensive policies to all drivers
Earn no claims discounts with every claim-free year
Guaranteed car insurance quotes with black box with discounts available for Tesco Club card members
Earn a bonus 100 miles for every safe driving month you complete
Advanced accident alerts that can contact the emergency services on your behalf
Provides a full 24/7 customer helpline for whenever you need help with your policy
Monitor all driving data using the dedicated dashboard or through the free dedicated driving app
You can buy more miles to add onto your policy as and when you need them
Offers free theft tracking technology that can be used by police to help locate your car if its stolen
£3,600 per year
Free access to dedicated driver dashboard on your computer or smartphone
All call lines open 24/7 every day of the year
You can protect your excess and your no claims discount
Easy installation that you can plug into your vehicle yourself
Uses leading insurance providers such as Aviva and Axa to provide you a variety of insurance policies and potential cover benefits
Pay as you drive based on the miles you do, not a predetermined limit
Receive regular tips on how to reduce premiums and drive safer
Consistently average reviews on how good the service of this provider is
£3,880.89 per year
Offers a dedicated app that’s easily installed into your car as and when you need it
All data is handled automatically and you don’t need to do anything technical
All driving factors are taken into consideration
Offers a discount reward scheme for safe drivers to further reduce their premiums
Receive free email updates on your driving performance and tips on how to improve
Monitor all data taken through the dedicated free app or online through your own personal dashboard
Young driver insurance black box Deals for under 25s who have just passed their test to help them enjoy affordable insurance
£4,831.68 per year
The safer you drive, you’ll be offered discounts on your premium every month
Free dedicated theft tracking to help you get your car back safely and quickly
Choose whatever mileage limit you want, as long as its over 1,900 miles per year
Offers discounts with their single car and multicar policies
Holds five-star ratings from thousands of policy customers across the country
Rated a five-star insurance provider by Defaqto
See all driving performance information through the website
Top 10 best black box insurances
Finally, compare best car insurance in less than 20 secs without giving your email. No spamming, promise.
What Are The Best Third-Party Fire and Theft Car Insurances?
Not all insurers are competitive for TPFT policies. We've searched the market looking for those insurers who offer good policies at the right price, and they're shown in the table below.
Insurer
Annual premium
Main features
£1,312.97
Telematic policy - you'll need to install a black box
£1,339.02
Telematic policy - you'll need to install a black box
Includes free breakdown cover and legal protection for your first year
£1,374.24
Includes 90 days European cover
Includes Driving Other Cars cover
Includes No Claims Bonus
£1,387.68
Up to 90 days European cover
Flexible payment options
A good insurer for younger drivers
£1,400
Includes cover for fitted audio and carphone equipment
Includes manslaughter defence costs
Good insurer for women drivers
£1,853.55
High compulsory excess of £3,000 makes this a poor policy if your car is worth less
£1,859.46
High compulsory excess of £3,000 makes this a poor policy if your car is worth less
Uninsured driver promise
Straightforward website with live chat option
£2,392.70
High compulsory excess of £3,000 makes this a poor policy if your car is worth less
Includes 30-90 days European cover
Younger and learner drivers covered
Best third party fire and theft car insurances
Those quotes are for driver of eco car, aged 21-30, Greater London, clean licence.
What are the best comprehensive car insurances?
The following table compares the best comphrensive car insurance policies offered by some of the most popular providers:
Insurer
Annual premium
Personal accident
Courtesy car
Breakdown cover
Motor legal protection
£823.20
Yes
Yes
Yes
£29.95
£976.64
Yes
Yes
£44.95
£29.95
£977.76
Yes
Yes
£44.95
£29.95
£978.88
Yes
Yes
£44.95
£29.95
£1,365.23
Yes
Yes
Yes
Yes
£1,495.96
Yes
Yes
£26.72
Yes
£1,530.82
Yes
Yes
£26.72
Yes
£1,644.94
Yes
Yes
£34.99
£29.99
£1,772.77
Yes
Yes
£34.99
£29.99
£1,778.47
Yes
Yes
£38.14
£31.00
£1,778.71
Yes
Yes
£38.14
£31.00
£1,827.42
Yes
Yes
£66.00
Yes
£2,218.94
Yes
Yes
£27.99
£28.50
£2,241.93
Yes
Yes
£39.85
£13.65
£2,255.88
Yes
No
£34.80
£23.20
Best comprehensive car insurances
What are the best third party only car insurance?
The following table compares the best third party only policies offered by some of the most popular providers:
Insurance provider
Monthly premium
£113.75
£127.58
£152.25
£209.75
£247.08
£270.14
£289.66
£291.25
£300.75
£309.08
Third-party only car insurance comparison
Finally, compare best car insurance in less than 20 secs without giving your email. No spamming, promise.
Insurance for classic cars is a specialised area and the best classic car insurance quotes will come from specialists who understand the market.
Find out main classic car insurers of the market as well as a short review on each:
Insurance provider
Our comment
Competitive prices and a good level of cover
Charge a £70 arrangement fee
Competitive and friendly
Classic car insurance criteria include many quite modern classics and sports cars
Specialist insurer with staff who actually drive vintage cars and ride classic bikes
Generally require classic cars to be over 20 years old
One of the best insurers for the older historic vehicle
Offers European touring cover as well as Private Client Service for owners of £250,000-plus cars
Mainstream insurance provider that also offers classic car insurance for cars made between 1951 and 1990
Covers competitive motorsport use as well as regular driving
One of the biggest generalist car insurers
Also offers classic car policies for cars between 30 and 70 years old, and worth £1,000 to £25,000
Good opportunity for owners of 'budget' classics like the 2CV and Beetle
Another big insurer with a classic policy
Policy is not available if your car is a daily driver or for named drivers under 30
Best classic car insurances
What are the best temporary car insurances?
Let’s begin with a short term car insurance comparison of some of the best short term car insurance companies that can allow you to insure car for a day and some of their features:
Provider
Cover duration
Standard excess
Age limit
Exclusions
Our comment
1 day to 28 days
£250
19 to 75 years
Hired vehicles
Modified cars
Vehicle must not be impounded
Very trustworthy insurance specialist
Flexible temporary cover
Possibility to add up to 2 additional driver to your plan
1 day to 28 days
£250
19 to 75 years
Speed testing or trials
Using vehicle for competition
Using vehicle to carry load or passengers for a fee
Cars with a value above £45,000
Specialist provider for short term covers
Stringent list of eligibility terms
1 hour to 30 days cover
£250
19 to 75 years limit
Damage due to ageing or gradual deterioration
Damage to tyres
Vehicle use for other purposes other than intended use
Flexible cover with a comprehensive package as standard
No temporary cover for hired or rented cars
1 hour to 28 days
Varies
19-65 years old
Changing the intended use of the car
Using car for competition or rallies
Changing cars to a car that cannot be covered
Car driven by driver not named on policy
Very digital oriented specialist for short term car insurance
Does not include for free any optional extras
1 day to 28 days
£250 or £500
18-75 year
Modified vehicles
Using vehicle to carry passengers commercially
Used for carrying goods for reward
Offers flexible temporary cover
Only available for those who have been residing in the UK for at least 12 months
7 days to 24 weeks
£350
17-65 old
Failure to update insurer about important changes in information
Car used in a race or rally
Specialist insurance provider with temporary cover only for learner drivers
1 hour to 30 days
£250
18 to 75 years old
Car driven to hazardous location
Car used to carry hazardous goods
Car used for commercial purpose or any other purpose not mentioned in policy
Incidence leading to a claim is covered by another policy
Very famous provider in the UK
Does not offer temporary cover for learner drivers though
1 hour to 30 days
£250
17 to 85 years old
Damage due to wear and tear
Driving without a license
Incorrect and unauthorized used
Intentional damage
Misfuelling
Veygo is the temporary cover from Admiral
Made for people with no car
Very flexible
Complete with a 100% online subscription
1 day to 84 days
£250
19 and 75 years old
Does not cover damage if car is impounded or confiscated
Participation in races or rallies
Damage due to wear and tear
Covers learner drivers that are 17 years and above
1 hour to 28 days
£250
19 to 75 years old
Glass damage
Damage due to deterioration
Driven by someone with no current license to drive your vehicle
Offers a comprehensive package as the standard offer for its temporary cover
1 day to 28 days
Varies
17 to 75 years
Car changed while policy is still on
Failure to supply correct documentation
Using the vehicle to carry passengers for payment
Insurance broker company that offers a wide range of products
The following table compares the best third party only policies offered by some of the most popular providers:
Insurance companies
Annual premiums for 41-60 years old
£647.36
£719.04
£721.28
£724.64
£1,279.03
£1,652.47
Car insurance quotes for senior comparison
Did you like this article?
Nishadh Mohammed
Nishadh Mohammed is a seasoned news editor and financial writer, working with HelloSafe since May 2023. Nishadh has developed expertise in financial markets, insurance, and investment products, with a deep understanding of the Canadian financial landscape. He has honed his SEO skills and content marketing strategies while writing for Canadian publishing houses. Armed with a master's in Business Analytics and extensive journalistic experience, Nishadh uniquely combines data proficiency and thorough research to deliver comprehensive and accessible information.