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Car insurance company reviews

Few insurers are good enough to be Which? Recommended Providers - they have to combine good cover with great customer service. Read our car insurance companies reviews to find the top car insurers. 

In this article
To qualify as a Which? Recommended Provider, car insurance companies must: Car insurance companies: who tops the table?
How we calculate customer and policy scores

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
  • 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

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 July 2018. Car insurance companies will be rated again in January 2019. 

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.

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.

Car insurance companies: who tops the table?

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% 86% 83% 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

Logged out detail 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 customer and policy 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 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.

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.

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