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Revealed: the most expensive areas to buy car insurance

How does your car insurance premium compare?

New data from GoCompare has revealed the most expensive places in the UK to buy car insurance.

The price comparison website found that West Londoners have the highest car insurance premiums – with drivers paying more than double the UK average of almost £827.

Which? takes a look at the most expensive and least expensive addresses to buy car insurance, and how you can make sure you get the best car insurance deal whenever you need to buy.


Most expensive areas for car insurance

Drivers in London pay the most for car insurance, according to new data from GoCompare.

The price comparison website analysed more than 8m car insurance quotes between 18 February 2017 and 17 February 2018 to determine the average car insurance premium for different postcode areas.

Drivers in West London (W) topped the list, paying an average of £1,734.80 for their car insurance policies – almost double the UK average of £826.77.

East Londoners (E) came in second, paying an average of £1,516.32 for car insurance.

Motorists in Central West London (WC) came in third, paying an average car insurance premium of £1,433.88.

The fourth and fifth most expensive areas for car insurance were Central East London (EC) and North London (N) – where drivers pay an average of £1,319.33 and £1,309.83, respectively.

Cheapest areas for car insurance

While London dominated the most expensive areas to insure a car, drivers in Scotland and the North East were found to have the cheapest car insurance policies.

According to GoCompare, the cheapest car insurance premiums were found in Galashiels, Scotland – with drivers paying an average of £544.84.

Exeter came in second, with drivers paying an average of £549.47 for car insurance.

Drivers in Truro, Cornwall, came in third with motorists paying an average of £562.19.

The fourth and fifth cheapest areas to buy car insurance were Perth, Scotland an Dumfries, where drivers paid an average of £566.25 and £568.26 respectively.

West Londoners pay more than three times as much for car insurance than those in Galashiels, meaning there is a whopping difference of £1,189.96 between the most expensive and least expensive areas for car insurance.

How does my car insurance compare?

To see the average car insurance premium for your postcode area, search through the table below.

Finding the best car insurance deal

1. Use price comparison websites

Price comparison websites are a great place to start when looking for the best car insurance deal as they allow you to get multiple quotes quickly.

Not all insurers appear on price comparison websites. Insurers such as Direct Line, Aviva and Zurich only offer quotes directly from their telephone lines or websites.

While shopping around for the best car insurance deals can save you a lot of money, you shouldn’t automatically go for the cheapest policy – the quality of the policy is vital to ensure you have the right level of cover.

2. Choose your occupation carefully

Insurers look at a number of factors when calculating your car insurance premium, including your occupation. The job types you have to choose from are often quite broad, meaning that drivers could fall into multiple categories.

For example, if you work in publishing as a writer and put your occupation as journalist, you’re likely to pay more than you would if you put down editor, copywriter or even reporter.

But you should never lie about your job, as this is considered fraud and you could be prosecuted.

3. Haggle

Sadly when it comes to insurance, loyalty doesn’t often pay. Most car insurers save the best deals for new customers and push up the premiums for their loyal policyholders.

Haggling with your car insurance provider when the time comes to renew your policy can help you save you money.

A recent Which? survey of more than 2,000 people revealed that those who haggled on their car insurance saved around £50 on their car insurance premium.

To help you find the best car insurance provider, we’ve combined Which? analysis of over 30 insurance providers’ standard policies with feedback from thousands of policy holders to produce our unique car insurance reviews.

You can also find useful tips in our comprehensive car insurance guide and in the short video below.

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