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Best and worst car insurance

By Joe Sharp

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Choosing car insurance shouldn't just involve browsing price comparison sites for the cheapest premium. Find out which insurers offer the best cover.

Our short video explains the three steps you should take in order to find the best policy for you.

Which? experts scrutinised 31 car insurers’ standard car insurance policies, and we surveyed thousands of 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.

This review reveals which insurers came out best for cover and customer service, and which scored the worst. To access this review and thousands of others, sign up for a £1 Which? trial. Or if you're already a member, log in now to see our reviews.

Best and worst car insurance
Provider Min-Max age Dealing with queries Clarity of Policy Transparency of charges Value for money Customer score Policy score Total
Subscriber only content 17-80 - 81% 87% 84%
Subscriber only content 17-No limit - - 74% 83% 78%

Subscriber only content

17-99 - 72% 78% 75%
Subscriber only content 17-No limit 68% 80% 74%
Subscriber only content 50-No limit 66% 78% 72%
Subscriber only content 16-96 67% 73% 70%
Subscriber only content 17-99 64% 75% 69%
Subscriber only content  21-90 65% 70% 68%
Subscriber only content 17-75 65% 69% 67%
Subscriber only content 17-84 62% 74% 68%
Subscriber only content 16-96 61% 72% 66%
Subscriber only content 25-No limit - - 57% 76% 66%
Subscriber only content 18-No limit - - - - 62% 68% 65%
Subscriber only content  17-115 - - - - 61% 69% c 65%
Subscriber only content

Underwriter dependent

- 65% 62% 64%
Subscriber only content 21-75 - 64% 64% 64%
Subscriber only content 21-99 60% 69% 64%
Subscriber only content 17-99 56% 72% 64%
Subscriber only content 18-No limit 56% 71% 64%
Subscriber only content 16-96 - - - - 57% 70% 63%
Subscriber only content 21-90 56% 71% 63%
Subscriber only content 21-90 56% 70% 63%
Subscriber only content 18-No limit - - - 56% 69% 63%
Subscriber only content 25-85 - - 59% 65% 63%
Subscriber only content 16-96 54% 70% 62%
Subscriber only content 17-90 - 53% 70% 62%
Subscriber only content 17-99 - 56% 65% 60%
Subscriber only content 17-90 - - - - 50% 70% 60%
Subscriber only content 17-99 - - - 60% 59% 59%
Subscriber only content Underwriter dependent - 52% 62% 57%
Subscriber only content 17-99 - - 56% 57% 56%
Average - - - - - 61% 70% 66%

Table notes: Customer score data based on a survey of 6,074 policyholders in November 2017. 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 how likelihood to recommend the provider to a friend. '-' 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.

Which? Recommended Providers for car insurance

Recommended Provider Icon CI

We reviewed some of the biggest insurers in the market including: AA, Admiral, Aviva, Axa, Direct Line, Esure, More Than, Tesco and Saga.

However, only a few insurers are good enough to be Which? Recommended Providers - they have to combine good cover with great customer service.

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.

 

  • Last updated: January 2017
  • Updated by: Dean Sobers
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