Why Is My Car Insurance So High? A UK-Drivers Guide.

Car insurance is necessary for every UK driver, protecting against potential road mishaps. However, many motorists are often taken aback by unexpectedly high insurance premiums. So, why might your car insurance be pricier than you anticipated? Here are some common reasons:

Age and Experience:

Young drivers, typically under 25, often face higher insurance rates. Lack of experience on the road increases the risk of accidents, and insurers set premiums accordingly.

Vehicle Type and Value:

High-end, luxury cars or vehicles with powerful engines are more expensive to repair or replace. Thus, insuring them tends to be costlier. Similarly, cars with a history of being stolen might also attract higher premiums.


Your insurance premiums might be higher if you reside in an area with high crime rates, especially vehicle thefts or vandalism. Additionally, densely populated urban areas with heavy traffic might pose higher accident risks.

Driving History:

A clean driving record can be your ticket to lower premiums. But, if you’ve had previous claims, especially in the last five years, or any driving convictions, you’ll likely face higher insurance costs.

Coverage Type:

Comprehensive cover offers the most protection and will generally cost more than third-party, fire, and theft policies. Adding optional extras like breakdown cover or legal protection can also increase your premium.

Annual Mileage:

The more you drive, the higher the risk of an accident. If you cover many miles annually, expect your insurance cost to reflect that.


Cars without security features such as alarms or immobilisers are more prone to theft. Investing in security systems might bring down your insurance cost.

Payment Method:

Some insurers might charge more if you pay your premium in monthly instalments rather than an annual lump sum.


Some professions are perceived as higher risk due to the hours they work, the amount they drive, or the value of the equipment they transport. For example, a DJ transporting expensive equipment late at night might face higher premiums.

Voluntary Excess:

The amount you’ll pay towards a claim (before the insurance kicks in) can influence your premium. A higher voluntary excess might reduce your annual compensation, but you’ll have to pay more in case of a claim.

Tips To Lower Your Car Insurance Premium:

In conclusion, car insurance premiums might seem arbitrary, but they’re calculated based on various risk factors. Understanding these factors allows you to make informed decisions and possibly lower your insurance costs. Remember, the cheapest policy isn’t always the best, so consider the cover you’re getting for your money.