15 Cheapest Car Insurance Companies in the United Kingdom

You are living in an era where inflation rates are just kissing the sky, globally. You are not only investing your money in the moveable or immovable assets, but your sweat and blood too. Your motorcar is your movable asset that helps you get anywhere, be it across the street or the state. So, you need to ensure your car’s safety first and We are going to discuss how to find Cheapest Car Insurance Companies.

Automobile insurance is essential in compensating a financial loss that you must bear if you damage your car or another person’s vehicle or property in a car accident. In such a case, a car owner can breathe a sigh of relief if he has insured his vehicle with the best car insurance provider.

List of 15 Top-Rated Cheap UK Car Insurance Companies

RankCar Insurance CompanyDefaqto RatingFairer Finance ScoreTrustpilot Customer Rating
1LV5 Star67%4.7
2Dial Direct5 Star59%4.5
31st Central5 Star60%4.5
4John Lewis Finance5 Star73%4.1
5Hastings5 Star61%4.4
6Age Co5 Star71%3.8
7Admiral5 Star64%3.9
8Elephant5 Star60%3.5
9Aviva plc5 Star62%3.5
10CSIS3 Star79%3.2
11Swinton5 Star61%4.5
12Churchill5 Star63%4.4
13Bell Insurance5 Star67%1.9
14QuoteMeHappy4 Star62%4.6
15Diamond5 Star66%3.4

Things to be remembered before buying a car insurance service

You must go for an insurance company that has:

  •  customer friendly policies 
  •  easy claim-process
  • professional customer services
  • affordable price.

Now let us discuss the Top 15 Cheapest Car Insurance Companies in the UK

Reviews of the 15 Top-Rated Cheap Car Insurance Companies in the UK

We have set a criterion to list the car insurance services in the UK by keeping multiple factors in view. We have employed a blend of ratings given by three different independent professional rating companies i.e. Defaqto Ratings, Fairer Finance Score and Trustpilot Customer rating. This is an estimated evaluation. However, you may find variations in the ratings on the internet. Let us go one-by-one now.

1. LV Car Insurance

LV seems to be a little wiser and smarter choice for the car owners in the UK. Though it is not the cheapest amongst the other car insurance providers in the list , yet it holds the best user experience and customer support without any doubt.

A huge renewal rate of this car insurance service shows how trustworthy and popular this is among the car owners in the UK. It is quite easy for you to buy LV car Insurance either directly from the company or any of its brokers or review & comparison sites.

LV car insurance offers little extra coverage like driver’s injury in its comprehensive plan but you have to pay a little more extra for that. So, LV car insurance service is the best choice for those car owners who do not compromise on the quality of the service and don’t mind paying a little extra amount.

2. Dial Direct

Dial Direct is considered one of the finest car insurance services in the UK. It has customer friendly policies and terms and conditions. Trustpilot ratings of Dial Direct clearly reflect the  Customer’s trust and interest in this service. Millions of the UK’s citizens are customers of this insurance company. 

The policies and features of Dial Direct perfectly fit the needs and lifestyle of the car owners in the United Kingdom. The comprehensive plan of Dial Direct car insurance service covers any damage caused to your car either by an accident or some malicious act of street vandalism. It also compensates you if your car was damaged by some uninsured motorist, however, you have to fulfill some certain specific requirements of the company in this case. 

3. 1st Central

1st Central car insurance agency has been a phenomenal insurance provider since 2008. Though it is not a very big company as compared to many others in the list, yet trusted by 0.75 million customers is not a small number either.  It secures a considerably higher Trustpilot customer rating. 

This service includes some striking features which are truly appealing to the car owners in the UK. For instance, their plans for free courtesy car and lost keys are strikingly best as incomparable with other car insurance providers in the UK. In the similar manner, it offers much better in-car entertainment plans to its policyholders. It also covers your vehicle damage if it is hit by an uninsured driver and it was not your fault.  

4. John Lewis Finance

John Lewis Finance also rests on one of the top positions in this list of top 15 cheap car insurance agencies in the United Kingdom. Its smooth customer handling, easy to access claim procedure and policyholder-friendly policies are the major controlling factors behind its trustworthiness. The Fairer Finance score of 73% is an impressive number that makes this car insurance company as one of the most loved and trusted among the UK car owners. 

Over the period of 150 years, John lewis Finance has been providing quality car insurance services to its customers at an affordable price.  The car insurance plans of this company may offer you protection for an uninsured driver, misfuelling cover,  a free courtesy car, ninety-days European cover and an onward travel cover. This company also permits its clients to tweak their policies through optional extras such as vehicle breakdown, legal protection and a protected No Claim Discount. 

5. Hastings

A feature of Hasting car insurance that makes it strikingly better than many others in the list is being cheap and readily affordable to its customers. Hastings car insurance company always appears with more budget-friendly plans for the user of this service.  

A disadvantage with this car insurance provider is non availability of windscreen  cover. However, legal protection and vehicle breakdown cover can be added for some extra charge.

Hastings shows some flexibility in its plans allowing its customers to add some extra desired plans for an extra charge. For example, you can add personal accident cover and key protection cover as an optional feature. 

The Direct and Premier plans of Hasting are not this much cheap but they include relatively low excesses and some extra features.

Related: If You Want To Know More About Car Insurance Premiums, Find Out From This Article 12 Tips For Lower Car Insurance Premiums in 2023

6. Age Co

Age Co is primarily known for providing financial solutions to elderly citizens. However, it is  also very impressive with its car insurance plans and policies in the UK. It provides home and car insurance, fiscal solutions, funeral plans and much more. 

Age Co car insurance covers:

  • Stolen Keys Cover
  • Personal Accident
  • Courtesy Car Cover
  • Lost keys Cover
  • Motor legal Protection
  • NCD Protection  

The insurance line of Age Co is divided as below:

  • Insurance for over 60s
  • Insurance for over 70s
  • Insurance for over 80s

The customers may purchase the services from Age Co in the following three ways:

  • Comprehensive Plan
  • Third Party Theft and Fire
  • Third Party only Coverage

Age Co car insurance also offers some amazingly attractive solutions to its customers. For example, the message relay system of this service allows the policyholder to contact any closer friend or family member after an accident. Furthermore, it also offers vehicle breakdown cover, a Get You Home service, legal protection and windscreen protection too.

7. Admiral

Admiral group has happened to be the largest auto insurance company in the United Kingdom. Admiral  is more focused on its customers’ support and relation through easy accessibility of its plans and claims procedures.  According to some authenticated estimation, around 4.37 million cars had been  insured with this insurance provider till 2019.

Customers keep on renewing their policies with Admiral car insurance policy consistently. It also provides vehicle breakdown cover, personal accident cover and stolen or lost keys cover like other insurance providers in the list. The best thing about this service is that you may quickly subscribe to its plans online at an affordable price.

8. Elephant

Elephant is, in fact, an extra feature of the Admiral Group that allows its policyholders to get compensation in the form of windscreen cover, lost keys cover or the damaged personal belongings cover etc. Premium amount of this service is comparatively lesser than any other in the group. However, Onward travel and accommodation remain largely unavailable with this service. Moreover, cancellation fees will charge you much higher.

The cheapest rate of Elephant car insurance plans make it able to secure 5 star rating by Defaqto Ratings. Those customers who have less budget to insure their cars can approach this insurance provider to get the maximum possible advantage with the minimum possible investment. 

9. Aviva Plc

Aviva is a transnational insurance agency, providing financial solutions to 33 millions policyholders across the continents. You may purchase their car insurance plans in multiple ways. It offers comprehensive plans along with third party, theft or fire cover.

Aviva is considered as one of the best multi-car insurance providers in the UK. A policyholder can insure 5 vehicles under one policy. This car insurance provider offers 10% off on multi-car insurance plans.

10. CSIS

CSIS originally stands for Civil Service Insurance Society. This insurance provider mainly focuses on civil society.  CSIS holds the best reception from its customers and policyholders. As it is evident from the stats that Fairer Finance Score of CSIS is distinctly higher than any other insurance agency mentioned in the list.

CSIS charges zero administration fee to its policyholders. Furthermore, it provides an offer of interest free monthly installments which is the beauty of this insurance company. CSIS rests as a non-profit organization which shows keen interest in donating all the surplus amounts and profits to the charity organization through its partner, CSIS Charity Fund.

11. Swinton

Swinton vehicle insurance policies are more concerned with their customers’ well-being. It also has particularly forgiving and welcoming insurance policies and plans for persons who have been convicted or are over the age of 60.

Swinton is famous among car owners and drivers in the UK since it provides the cheapest cover policies to clients. It is the best insurance company for convicted drivers or for young drivers.

12. Churchill

Churchill is basically a budget brand of Direct Lines Group in the UK. Direct Lines Group is the 2nd largest car insurance provider in the United Kingdom. Since, Churchill car insurance plans are quite cheaper, so users have to compromise on its customer-handling procedures and reviews or ratings are slightly lower than many others in the list.

However, Churchill car insurance is the finest service with its affordable and cheap insurance plans for those customers who have very less budget to invest in this regard.

13. Bell Insurance

Bell Insurance is a partner program of the Admiral Group. It has special insurance plans and policies for young drivers, or the first-time drivers. Plug and Drive plan of Bell’s Safe Driver Policy has been rated as 4 star by defaqto; an independent financial researcher. Plug and drive is basically a black-box technology used by an insurer to ensure fair premiums. Experienced drivers can also get help from this telematic system of Plug and Drive. 

14. QuoteMeHappy

QuoteMehappy is the budget-brand of Aviva insurance company. Though its car insurance plans are much cheaper than any other insurance providers in this list. However, it still manages to stay popular among the car owners because of its customer-friendly features.

QuoteMeHappy offers many attractive features to the drivers like legal protection, windscreen cover etc. In Spite of having no call center, this is the only online car insurance brand which successfully  manages to maintain an outstanding rating of 4.6 on Trustpilot. That’s extremely impressive and magical.

15. Diamond

Diamond is another budget-brand of the Admiral Group. This car insurance provider mainly focuses on the females and the young drivers. The striking feature of Diamond that makes it different amongst others in the list is its Handbag Insurance cover. However, it is not all for women only. Diamond offers no provisions for onward accommodation or travel. Moreover, cancellation fees are also high here in this car insurance service. Nonetheless, it is best to be used by women because it encompasses great features for them.

Final Thoughts:

The discussion concludes that while purchasing car insurance, one should use extreme caution. It is not a “yes or no” statement to declare one and only one of the cheapest car insurance companies in the United Kingdom to be the best. Everyone has their own criterion based on their budget and level of happiness. All you need to think about before purchasing a car insurance service is finding one that is inexpensive, customer-friendly, and multi-featured.

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