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) and a customer score of 70% or above.
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.
How we calculate the score
The customer score is based on a survey of 6,074 general public respondents and are worked out using a combination of overall satisfaction and likelihood of recommending the provider to a friend. 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.
The policy score is our assessment of the quality of standard cover comparing 53 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 July 2018.
Total score is made up of 50% of the customer score, and 50% of the car insurance policy score.