Car insurance Best and worst car insurance

Choosing car insurance shouldn't just involve browsing price comparison sites for the cheapest premium.

Our short video explains the three steps you should take in order to find the best policy for you.


Please enable JavaScript to access this content.

Video transcript

[SOUND] Car insurance is an essential purchase whether you drive a Ferrari or four wheel truck you have to get it insured. But the amount you'll pay for your policy can vary significantly depending on your choice of provider, and we've discovered that the service you receive could be dramatically different too.

Here are three steps to finding the best car insurance. Number one, shop around. Price comparison websites allow you to quickly get quotes from dozens of insurance, but not every provider pays on them, you'll have to go direct to the likes of VIVA, direct line, and Zurec to see how they compare.

Number two, look out for extra costs. It can be tempting to purchase the cheapest policy you find, but don't forget to check what extra charges might apply. This includes the excess you'll have to pay in the event of an accident, the cost of add ons such as breakdown cover, and fees for amending or canceling your policy.

Number three, consider the customer service, our customer satisfaction tables reveal how insurers are rated by policy holders. So you can get a better idea of the level of service you can expect. We've also analyzed the standard policies of dozes of insurance companies. So you can see who offers the best protection.

Sign up for a trials wish to access all of our expert reviews and see which current insurance companies have been awarded recommended provider status. [MUSIC] [BLANK_AUDIO]

Which? experts scrutinised 34 car insurers’ standard car insurance policies, and we surveyed thousands of policyholders. We've rated each policy on its key aspects to produce a Which? policy score, and our customer score is based on how the insurers were rated by their customers.

This review reveals which insurers came out best for cover and customer service, and which scored the worst. To access this review and thousands of others, sign up for a £1 trial. Or if you're already a member, log in to see our reviews.

Best and worst car insurance
ProviderCustomer serviceHandling queries and complaintsTransparency of chargesValue for moneyCustomer scorePolicy scoreTotal
Subscriber only content83%87%85%

Subscriber only content

Subscriber only content71%81%76%
Subscriber only content--   -  73%77%75%
Subscriber only content--68%83%75%

Subscriber only content


Subscriber only content

Subscriber only content69%76%72%

Subscriber only content

Subscriber only content67%72%69%
Subscriber only content61%75%68%
Subscriber only content-  65%71%68%
Subscriber only content68%69%68%
Subscriber only content65%71%68%
Subscriber only content65%70%68%
Subscriber only content64%70%67%
Subscriber only content71%62%67%
Subscriber only content63%70%66%
Subscriber only content60%73%66%
Subscriber only content66%65%66%
Subscriber only content61%68%65%
Subscriber only content64%66%65%
Subscriber only content62%67%65%
Subscriber only content63%66%64%
Subscriber only content 58%70%64%
Subscriber only content64%64%64%
Subscriber only content--57%69%63%
Subscriber only content-58%68%63%
Subscriber only content61%61%61%
Subscriber only content-61%59%60%
Subscriber only content61%59%60%
Subscriber only content60%59%59%
Subscriber only content-59%60%59%
Subscriber only content50%60%55%
Average    65%70%67%

Which? Recommended Providers for car insurance

Recommended Provider Icon CI

We reviewed some of the biggest insurers in the market including: Axa, Direct Line, Aviva, Saga, Admiral, Esure, the AA, Tesco Bank and More Than.

However, only a few insurers are good enough to be Which? Recommended Providers - they have to combine good cover with great customer service.

To be a Which? Recommended Provider, an insurer must:

  • Be regulated by the Financial Conduct Authority
  • Be available to the general public
  • Have received responses from 30 or more customers in our survey
  • Have received an average or above policy score (see table for current average score) and a customer score of 70% or above

Get Which? reviews and advice

Which? members have full access to all of our reviews - log in now if you're already a member or try a trial subscription to Which? to get instant access to our site.

Expert impartial reviews

When you sign up, you'll get access to this exclusive review as well as thousands of others.

Why use Which?

We test products in the way you use them, looking at quality and ease of use without being bamboozled by manufacturers' claims.


Which? is unbiased. We buy every product we test and don't accept any advertising.

Advice you can trust

When you join Which? you get a monthly magazine, unlimited calls to our legal service and money helpline, and you can access Which? Local, where members share recommendations for services in your area.

Ready to become a Which? member? Then take out a trial subscription today.