Top Car Insurances in the United Kingdom

Car insurance is offered by many different firms, but not all of them have the best rates. It is important you choose a company that has a solid reputation for acting in the best interests of its clients.

The leading providers of affordable auto insurance in the United Kingdom are listed here.

1) Direct Line

Direct Line is best used for general coverage.

Principal attributes include:

  • No cancellation fees for the first 14 days
  • £1,000 in replacement coverage for misplaced or stolen keys
  • A silver ribbon award for excellent customer service

Direct Line’s basic comprehensive insurance has a 4-star rating out of 5, with the only reason it doesn’t receive higher marks being that excesses for windscreen replacement and repair are too costly.

It also scores quite well for openness and very highly for consumer loyalty.

Direct Line has established a reputation as an insurance provider that is not listed on comparison websites.

However, if you’re trying to save more money on your premium, price comparison websites may offer even lower rates from their Churchill, Darwin, or Privilege brands.

2) NFU Mutual

NFU Mutual is ideal for customer experience with a

4.7 out of 5-star ratings from customers on Trustpilot.

Principal attributes include:

  • No costs for changes or cancellations
  • Excellent customer service
  • Unrestricted coverage for kid safety seats and misplaced keys

NFU has the highest rating for addressing complaints and scored really well for customer satisfaction and trust.

This made the company a notable winner in terms of customer loyalty, as evidenced by the low complaint rates. This is possible because of the company’s mutual loyalty incentive, which offers clients a 10% (or more) refund on their premiums if they renew their policy.

Discounts on new cars from select manufacturers such as Audi, Fiat, Ford, and others are also available to NFU members.

Ultimately, NFU Mutual is a fantastic choice for auto insurance if you would want to talk with someone about your policy before making a purchase rather than purchase it online.

3) Saga

Saga Is best for people over 50 years old.

Principal attributes include:

  • £0 excess for windscreen repairs (on Select and Plus insurance)
  • £2,500 coverage for new keys in the event that they are misplaced or stolen
  • The uninsured motorist pledge

Saga offers three policy tiers – Standard, Select, and Plus. These choices are all very good at providing cover.

With extremely high coverage limits of personal belongings, keys and locks, and audio/visual equipment, the Select and Plus tiers are especially extensive.

These policies are rated with four stars in product ratings.

They also received a bronze ribbon for their excellent client experience, with high marks for loyalty, claims satisfaction, and customer pleasure.


CSIS is notably beneficial to civil servants with a product rating of 4 stars out of 5 because they offer a good amount of coverage for their entire panel.

Principal attributes include:

  • Consistent recipient of a gold ribbon in customer experience ratings
  • Accessible to public servants

However, only current or former employees of the civil service, as well as their spouses, are eligible for their service.

Nonetheless, there are some appealing aspects to the policies.

It also covers replacement coverage for original audio or video equipment, Child safety seat coverage, even if it seems undamaged, and no cancellation or amendment costs.

Although the policies differ slightly based on the underwriter, all offer strong and thorough coverage.

5) The Admiral Group

The Admiral Group has a 4.3 out of 5 stars, according to Trustpilot users.

The firm also boasts of being rated Best Motor Insurance Provider according to Fitch rating in the Personal Finance Awards 2022/2

With almost 11% of the UK’s automobile insurance industry, the Admiral Group is one of the biggest providers of auto insurance. It is a fantastic choice for anyone looking to buy a policy online quickly and generally at a reasonable price. Their brands are available on most price comparison websites and provide the best deals around.

If you find lower customer rating scores acceptable and would like auto insurance from the biggest auto insurer in the UK, then you should give this some thought.