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 hundreds 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.
- Read our reviews of all the insurers who took part in our car insurance analysis
Best and worst car insurance companies
Our customer surveys and policy analysis is used to rank car insurance providers. The top scoring providers become Which? Recommended Providers, if they can meet certain conditions.
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
- Must achieve high scores in our Customer Satisfaction survey.
- Must also achieve an average or above Policy Score
This list contains only those car insurers we were able to rate for both policies and customer experience. Therefore a number of insurers aren't included.
Click here for a full list of the 34 insurers we have policy scores for.
Members can log in to see the results of our analysis. If you're not already a member, join Which? and get full access to these results and all our reviews.
| Brand |  | Policy score | Total score | Min / Max age | Clarity of policy | Dealing with queries | Ease of managing policy online | Value for money |
|---|---|---|---|---|---|---|---|---|
| 80% | 77% | 79% | 17 - 80 | | | - | |
|
| 78% | 71% | 75% | 17 - 110 | | | | |
|
| 74% | 72% | 73% | 50 - No limit | | | | |
|
| 79% | 66% | 73% | 16 - 95 | | | | |
|
| 72% | 69% | 71% | 17 - 84 | | | | |
|
| 70% | 69% | 70% | 17 - 80 | | | - | |
|
| 68% | 69% | 69% | 18 - No limit | | | - | |
|
| 75% | 62% | 69% | 16 - 95 | | | | |
|
| 68% | 65% | 67% | 17 - 99 | | | | |
|
| 74% | 59% | 67% | 21 - 99 | | | | |
|
| 64% | 66% | 65% | 18 - No limit | | | | |
|
| 63% | 66% | 65% | 22 - No limit | | | - | |
|
| 69% | 59% | 64% | 17 - 90 | | | | |
|
| 74% | 53% | 64% | Dependent on Underwriter | | | | |
|
| 63% | 63% | 63% | 21 - 90 | | | | |
|
| 73% | 52% | 63% | 21 - 75 | | | | |
|
| 63% | 61% | 62% | 17 - 99 | | | | |
Table notes: Customer score data based on a survey of 2,134 policyholders who have recently made a car insurance claim between November 2019 and January 2020. 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 72%. Average policy score for standard policies is 64%. Average total score is 68%
'-' 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.
Customer score sample size: NFU Mutual (53), LV (220), Direct Line (185), Saga (59), AA (205), Aviva (198), Churchill (109), Esure (33), Hastings Direct (63), More Than (32), AXA (94), Tesco Bank (51), Co-op Insurance (37), Admiral (182), RAC (35), Quote Me Happy (43), Ageas (34).
Who are the car insurance Recommended Providers?
Find out more details on who we've crowned as our Recommended Providers for car insurance in 2020. Which? members can login to see the results.
If you're not already a member, join Which? and get full access to these results and all our reviews.
How we find the best car insurers
Customer scores
The customer score is based on a survey of 2,134 policyholders who have recently made a car insurance claim 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 73 elements of a car insurance policy.
Policy analysis includes rating personal belongings limit, renewal fees and interest charged on payment by installments.
We carry this analysis out every 12 months. The next update will be in January 2021.
Total score
Total score is made up of 50% of the customer score, and 50% of the car insurance policy score.
