Crash‑Course: UK Car Insurance Slipping Down the Prices
The Latest Numbers
Q2 2025: The average UK policy hit £648—down from £668 this spring.
Year‑over‑year: A hefty £664 average in Q2 2025 versus a staggering £806 back in 2024.
Biggest lift: One of the biggest drops since 2023’s insurance roller‑coaster.
Bottom line: Drivers are breathing easier as premiums ease, even with rising repair bills, tax hikes, and new low‑emission zones looming.
Where It’s Still Tricky
London: Policies bulge up to £951—the biggest outlier in the nation.
West Midlands & North West England: Roughly £700+ average premiums.
Other regions: All seeing a dip, but still not the most budget‑friendly.
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How to Keep Your Wallet Happy
Double‑check your info
Age, job title, mileage and even where you store the car overnight can sway your rate.
Declare the mods
Spoilers, alloy wheels, roof racks, bike carriers… any change needs to be called out.
Stay on point
Moves in house, job swaps, mileage tweaks—all impact your premium.
Shop around
Even a slightly cheaper renewal can be a sign to re‑look at your options.
Greg Wilson – Quotezone CEO“With tight household budgets, stable premiums are a breath of fresh air. Young drivers (17‑24) used to carry a hefty load: £2,130 in Oct, dropping to £1,251 in June—a 37% win!”
Quick Tips from Greg
Keep your insurer up‑to‑date—small changes matter.
Timing can shift costs; snag a good rate when the market allows.
Always read the fine print: “Do not declare a rashly added modification” to avoid bad coverage.
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Your Takeaway
Dust off that policy, give it one quick review, and let it sit on the car records.
You may not need to pay a fortune, or you might find a surprise discount—in either case, a little vigilance goes a long way.
Voucher that last stretch of your premium—don’t let it be the break you didn’t want!
