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Best and worst car insurance

The best car insurance isn't always the cheapest. Our expert analysis rates the best and worst car insurance policies - and tells you which car insurance companies give the best customer service.

In this article
How do I find the best car insurance? Best and worst car insurance companies How we calculate provider scores

How do I find the best car insurance?

Car insurance can be expensive - but you don't want to sacrifice great cover just to get the cheapest price. 

Which? is here to help. Not only do we rate dozens of elements of a car insurance policy, we also ask thousands of real customers how they rate each insurer in our analysis to help you find top-quality cover with a great customer experience. 

Our video explains how to find a great car insurance policy in three easy steps.

Best and worst car insurance companies

This review reveals which insurers came out best for cover and customer service, and which scored the worst.

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

  • Be regulated by the Financial Conduct Authority (FCA)
  • 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), a customer score of 70% or above and be in the top 25% for total score

For more information about individual policies read our car insurance reviews or click on the links in the table.

Members can log in to see the results of our analysis. If you’re not already a member, you can sign up to a two-month trial for Which? Money for just £1 to access this review and enjoy the benefits of a Which? membership.

 

Provider undefined Policy
score
Total
score
Minimum/
maximum age
Clarity
of policy
Dealing
with queries
Transparency
of charges
Value
for money
Logged out detail 81% 84% 82% 21-80

4 out of 5

5 out of 5

5 out of 5

4 out of 5

Logged out detail

 

71% 81% 76% 17-No limit

4 out of 5

4 out of 5

4 out of 5

4 out of 5

Logged out detail 70% 80% 75% 17-No Limit

3 out of 5

4 out of 5

3 out of 5

3 out of 5

Logged out detail

 

75% 74% 74% 17-99

3 out of 5

4 out of 5

3 out of 5

3 out of 5

Logged out detail

More info

69% 79% 74% 50-No limit

3 out of 5

4 out of 5

4 out of 5

3 out of 5

Logged out detail 73% 73% 73% 17-75

3 out of 5

4 out of 5

4 out of 5

3 out of 5

Logged out detail 70% 76% 73% 17-No limit

3 out of 5

4 out of 5

4 out of 5

3 out of 5

Logged out detail 72% 72% 72% 16-96

3 out of 5

4 out of 5

3 out of 5

3 out of 5

Logged out detail

 

71% 73% 72% 17-96

4 out of 5

4 out of 5

4 out of 5

4 out of 5

Logged out detail 71% 72% 72% 25-No limit

3 out of 5

4 out of 5

4 out of 5

4 out of 5

Logged out detail 71% 70% 70% 21-90

3 out of 5

4 out of 5

3 out of 5

4 out of 5

Logged out detail 69% 71% 70% 17-84

4 out of 5

4 out of 5

4 out of 5

3 out of 5

Logged out detail 67% 70% 69% 16-96

3 out of 5

4 out of 5

3 out of 5

3 out of 5

Logged out detail 68% 69% 68% 17-90

3 out of 5

4 out of 5

3 out of 5

3 out of 5

Logged out detail 64% 73% 68% 17-99

3 out of 5

3 out of 5

3 out of 5

3 out of 5

Logged out detail

 

65% 71% 68% 17-99

3 out of 5

3 out of 5

3 out of 5

3 out of 5

Logged out detail

 

66% 70% 68% Underwriter
dependent

3 out of 5

4 out of 5

3 out of 5

3 out of 5

Logged out detail

 

68% 68% 68% 21-99

3 out of 5

4 out of 5

3 out of 5

3 out of 5

Logged out detail 72% 63% 68% 21-75

3 out of 5

3 out of 5

4 out of 5

4 out of 5

Logged out detail 65% 70% 68% 18-No limit

3 out of 5

3 out of 5

3 out of 5

3 out of 5

Logged out detail 65% 68% 67% 17-96

3 out of 5

4 out of 5

3 out of 5

3 out of 5

Logged out detail 62% 70% 66% 21-90

3 out of 5

3 out of 5

3 out of 5

3 out of 5

Logged out detail 65% 67% 66% 17-90

3 out of 5

3 out of 5

2 out of 5

3 out of 5

Logged out detail

 

66% 65% 66% 17-99

3 out of 5

3 out of 5

3 out of 5

3 out of 5

65% 66% 65% 18-No limit

3 out of 5

3 out of 5

3 out of 5

3 out of 5

Logged out detail

 

68% 62% 65% 17-No limit

4 out of 5

4 out of 5

3 out of 5

3 out of 5

Logged out detail 63% 67% 65% 18-No limit

3 out of 5

3 out of 5

3 out of 5

3 out of 5

Logged out detail 66% 63% 65% 25-85

3 out of 5

3 out of 5

3 out of 5

3 out of 5

Logged out detail 62% 67% 65% 17-90

2 out of 5

3 out of 5

2 out of 5

3 out of 5

Logged out detail

 

67% 56% 62% 17-99

3 out of 5

3 out of 5

3 out of 5

3 out of 5

Logged out detail

 

66% 54% 60% 17-99

3 out of 5

3 out of 5

3 out of 5

3 out of 5

 

Table notes: Customer score data based on a survey of 4,756 policyholders in May-June 2018. Policy scores are based on the provider's standard policy. All policies are available to the general public. Customer score is calculated using a combination of overall satisfaction and the likelihood of recommending the provider.

Average customer score is 68%. Average policy score is 70%. Average total score is 69%

'-' represents where we have insufficient sample size (less than 30) to generate a star rating. Insurers must have a minimum sample size of 30 for inclusion in the table.

The following providers received policy scores but did not receive a customer score as they did not achieve the minimum sample size in the survey: Volvo (65%), Mercedes-Benz (75%) and Bank of Scotland (56%).

Customer score sample size: NFU Mutual (98), Age UK (79) John Lewis (140), LV (212), Rias (97), Direct Line (206), Saga (201), M&S (201), AA (202), Aviva (204), Churchill (205), Esure (201), Hastings Direct (201), More Than (200), Sheilas' Wheels (101), Axa (198), Toyota (49), Sainsbury's Bank (98), Swiftcover (94), Tesco Bank (201), The Co-Operative (101), Privilege (102), Swinton (201), Zurich (98), Halifax (100), Lloyds Bank (98), Admiral (208), Elephant (75), Diamond (100), RAC (101), Quote Me Happy (97).

How we calculate provider scores

Customer scores

The customer score is based on a survey of 4,756 general public respondents and are worked out using a combination of overall satisfaction and likelihood of recommending the provider. If two or more brands show the same overall score, they are ranked to the next decimal place. Providers must receive a minimum sample size of 30 to be included.

Policy scores 

The policy score is our assessment of the quality of standard cover comparing 58 elements of a car insurance policy.

Policy analysis includes rating personal belongings limit, renewal fees and interest charged on payment by installments. Providers must receive a minimum sample size of 30 respondents to be included.

We carry this analysis out every six months. The next update is in January 2019.

Total score

Total score is made up of 50% of the customer score, and 50% of the car insurance policy score.