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Save up to £490* on Car insurance by comparing quotes with Utility King.

Why Use Utility King?

High user satisfaction ratings (4.5 stars)
Potential savings up to £490
Compare deals from over 100 auto insurance providers
Quick and straightforward process

About you and your car

Specify your car's make, model, and age with some personal details.

Type of cover you need

Select the type of policy you need.Choose Your Coverage.

Find the right policy

Receive a tailored list of policy options .Choose the best.

Cost Of Car Insurance

How Much Does Car Insurance Cost?

Factors Affecting Car Insurance Cost

  • 1. Type of cover you choose.

  • 2. No claims bonus.

  • 3. Age and driver profile.

Average Annual Premium Costs

  • 1. Fully Comprehensive: £973.

  • 2. Third Party, Fire and Theft: £1,422.

  • 3. Third Party Only: £2,559.s

Be the Utility King. Discover how much you can save on car insurance today...

What Level of Car Insurance Do I Need?

Comprehensive Insurance

What is Fully Comprehensive Insurance?

Fully comprehensive insurance provides the highest level of coverage available.
It covers damages to your car, including write-offs, theft, fire incidents, and medical expenses.

Key Features

Highest level of coverage available.
Often the most expensive insurance option.
Covers damages from accidents, theft, medical expenses, fire damage, and vehicle theft.

Third Party, Fire and Theft

What is Third Party, Fire and Theft (TPFT)?

A TPFT policy covers the costs of damage to another person's vehicle or property if you're at fault for the damage.
It doesn't cover your own car repairs or medical bills in case you're responsible for an incident. However, it provides coverage for theft, attempted theft, and fire damage to your car

Key Features

Covers damage to other people's property, vehicles, or injuries if you're at fault.
Provides protection in case of theft or fire damage to your vehicle.
Does not cover repairs to your car or personal injuries if you're found responsible.

Third Party Only

What is Third Party Only (TPO) Insurance?

🇬🇧 Required by law to drive your car legally in the UK. Your insurer pays for damages to others' property or vehicles but does not cover repairs for your own
vehicle.

Key Features

The minimum legal requirement for driving in the UK. Covers damages to others' property or vehicles in accidents. ypically the most budget-friendly insurance option for drivers.

Car Insurance Add-ons to Consider

Windscreen Cover

-ADD-ON: Windscreen cover
-Covers the repair of any cracks or chips on the windscreen of your car.

Personal Accident Cover

-ADD-ON: Personal accident cover
-Provides compensation to a passenger or you in case of any injury or death in an accident.

Breakdown Cover

-ADD-ON: Breakdown cover
-Ensures you must get home or to the repairer due to any unexpected breakdown .

Courtesy Car

-ADD-ON: Courtesy car
-If your car is being repaired, your insurer offers access to a courtesy car.

No Claims Discount Protection

-ADD-ON: No claims discount protection
-Provides a range of claims per year without affecting your no claims discount.

Stolen or Lost Keys

-ADD-ON: Stolen or lost Keys
-Your insurer covers the cost of replacing your stolen or lost keys. -Consider these add-ons carefully to enhance your coverage while also managing your overall insurance costs.

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How Your Choice of Cover Affects Premiums?

Surprisingly, fully comprehensive insurance tends to be the cheapest option despite offering the most coverage.
Fully comp policies average £973/year, TPFT is £1,422, and third-party only is as high as £2,559.
Drivers with third-party-only coverage are more likely to be involved in accidents.

Testimonials

Saul Goodman

ANALYST

UtilityKing helped me find perfect car insurance deal, and I've been saving money ever since.

Sara Wilsson

DESIGNER

As a Designer, I don't have a lot of time to search around for the best insurance deals. UtilityKing made the process so easy and I'm happy with them.

Jena Karlis

CEO

I didn't know how much I could save on insurance until I talked to the experts at UtilityKing. They provided me with valuable advice .

Matt Brandon

Freelancer

I was paying way too much for car insurance before I found UtilityKing. They helped me a lot and I'm saving now.

How Your Driver Profile Affects Car Insurance Premiums

Younger Drivers (Under 25)

Tend to pay more due to higher accident risk.
Consider telematics policies or adding a named driver to reduce costs.

Older Drivers (25+)

Premiums generally decrease with age until around 70-75.
After this age, costs may rise due to potential medical conditions.
Still pay less compared to younger drivers.

New Drivers (Regardless of Age)

New drivers often face higher premiums.
Choosing a smaller, less powerful car or limited mileage policies can help lower costs.

Convicted Drivers

Premiums increase significantly with criminal convictions or points on the license.
Compare multiple policies to find the best options.

Types of Cars and Their Insurance Considerations

Car Insurance Groups:


Cars are categorized into groups based on their insurance costs.
Higher group number implies higher premiums.

  • Electric Car Insurance

    -Electric cars have unique insurance needs, including coverage for batteries and components.

  • -Vehicle modifications can increase insurance costs, especially if they enhance performance.

  • -Classic cars may have higher premiums due to challenging part availability.

  • -4x4 vehicles used off-road may require dedicated green lane coverage.

  • -Powerful sports cars often cost more to insure, but options exist to control expenses.

  • -Imported cars may need additional certification based on their origin.

  • -Diesel cars can be slightly more expensive to insure compared to petrol cars.
    -Smaller, less powerful cars and popular, inexpensive models are often cheaper to insure due to their lower accident risk and readily available replacement parts.
    -Some cars have unique insurance requirements, necessitating specialized policies. Electric cars need coverage for batteries, modified cars require modification insurance, and so on.