The cost of car insurance can differ greatly and depends on a range of factors, including your age, job, mileage, and even your marital status.
It might come as a surprise to you, but where you live can also significantly impact how much you pay for cover. Areas with higher rates of accidents and crime may result in larger premiums.
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With this in mind, we asked the leading online comparison service Go.Compare to scan its data to find the top 20 places with the cheapest and most expensive car insurance premiums.
It would seem that motorists living on the Isle of Man and in some remote Welsh towns don't have to spend much on their yearly cover, with average premiums as low as £258.
Contrast that with the London boroughs of Barking, Southall, Ilford and Wembley, where an annual car insurance premium is north of £1,000.
"As the data shows, busier and more densely populated areas tend to top the list of the most expensive locations for car insurance, while rural areas dominate the list for the cheapest areas," added Tom Banks of Go.Compare car insurance.
Top 20 cheapest towns/boroughs to insure your car
Based on the median premium of car insurance sales made through Go.Compare between 1 Oct 2024 and 31 March 2025 split by towns
Top 20 most expensive towns/boroughs to insure your car
Factors that affect car insurance premiums
Have you ever wondered what drives up the cost of car insurance? Here are some of the biggest risk factors used by providers: