Finding the best car insurance company
Finding the best car insurance policy can be tough - the cheapest deal may not always provide the cover you need should the worst happen and you're forced to make a claim.
Which? experts scrutinise 31 car insurers’ standard car insurance policies, and survey thousands of car insurance 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.
Our overall score tells you the best car insurance companies for both the quality of their policy, and the customer service they give.
To qualify as a Which? Recommended Provider, car insurance companies must:
- Be regulated by the Financial Conduct Authority
- Be available to the general public
- Have received responses from 30 or more customers in our customer survey
- Must achieve high scores in both our Customer Score and Claims Satisfaction surveys.
- Must also achieve an average or above Policy Score
Click on the car insurance companies in the table below to see full details of its customer score and policy elements. The latest scores were published in January 2019. Car insurance companies will be rated again in January 2020.
Of course, buying a policy is one thing. But how a car insurance company responds to a claim is the acid test of any insurer. Find out how we've rated car insurance companies for handling claims in our car insurance claims satisfaction tables.
Which? members can log in to see the results of our analysis. If you’re not already a member, you can sign up to a one month trial for Which? Money for just £1 to access this review and enjoy the benefits of a Which? membership.
Car insurance companies: who tops the table?
Table notes: Customer score data based on a survey of 4,739 policyholders in November 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 71%. Average policy score is 68%. Average total score is 70%
'-' 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.
Mercedes-Benz (73%) received a policy score but did not receive a customer score as they did not achieve the minimum sample size in the survey.
Customer score sample size: NFU Mutual (99), Age Co (30), John Lewis (62), LV (206), Rias (100), Direct Line (205), Saga (195), M&S Bank (101), AA (189), Aviva (192), Churchill (193), Esure (194), Hastings Direct (202), More Than (124), Sheilas' Wheels (99), AXA (195), Sainsbury's Bank (54), Swiftcover (40), Tesco Bank (200), Co-op Insurance (100), Privilege (102), Swinton (133), Admiral (193), Elephant (39), Diamond (56), RAC (98), Quote Me Happy (104), Post Office (43), Ageas (86), Budget (34).
How we calculate customer and policy 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 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 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 is made up of 50% of the customer score, and 50% of the car insurance policy score.