Top car insurance compared

About Top car insurance compared

Car insurance prices spread wider here than most categories on the site, and that spread is the trade-off this ranking sorts out. Across 381 brands, the entry premium has a median of €8.72, a lower quartile of €3.90 and a top of €3,431.08, so a first figure can be a fraction of the priciest policy or many times the lowest one on record. 97.8% of the brands in this category cover auto, which is why the lines sold alongside car cover, home and travel among them, matter for anyone who wants one provider and one renewal date. Payment rhythm comes next: 89.4% of the brands let you pay monthly, and the seller behind the policy matters as much as the price, since 37.1% of the brands are insurers, 34.8% are brokers and 26.4% are comparison sites. The list below mixes all three.

How we picked

Brands are scored on three weighted criteria: cost at 35%, offer at 25% and trust at 40%. Cost reads the entry premium against the rest of this category, so a brand priced well below the €8.72 median gains ground. Offer reads what a brand sells and how it is built: the lines it covers, the payment rhythm it allows, the support and claims channels it opens and the limits it publishes. Trust reads the kind of company standing behind the policy, whether an insurer, a broker or a comparison site, along with the protections it names. Each figure here is taken from the brand's own site, its imprint or legal notice, its app listing and its terms, support and claims pages, while the category spreads come from the full set of listings behind this category. Payment rhythm is recorded as a single fact per brand, simply whether monthly payments are available. Partners are listed first in the order the score gives them, and the remaining brands follow on the same weighted score, so a position reflects the criteria above rather than anything else. Read the list from the top for the strongest combination of the three, or use the criteria to find the brand that wins on the one that matters to you.

What to look for

What the first payment looks like

Entry premiums in this ranking run from €0 to €3,431.08, with a median of €8.72 and a lower quartile of €3.90. Treat a starting figure as the cost of opening a quote rather than as a year's cover, since the median sits well above the floor.

Who stands behind the policy

37.1% of the brands here are insurers that underwrite the policy, 34.8% are brokers and 26.4% are comparison sites. The starting premium means a different thing at each, so read the kind of company before you read the price.

How you pay and how you claim

89.4% of the brands let you pay monthly against 10.6% that do not. On contact, 88.1% of the brands take calls, 72.7% take email and 74.1% run a help centre, and a published claims line is a stronger signal than a general contact page.

What else the brand sells

Auto is near universal at 97.8%, but 81.1% also carry home cover, 58.1% travel and 42.6% motorcycles. A longer list makes one provider easier to run, though it says nothing on its own about what car cover costs.

The ceiling on a claim

Liability limits in this ranking have a median of €5,810,912.89, a low of €1,162,182.58 and a high of €11,621,825.79. A lower ceiling costs less to carry, so check the published floor before accepting a figure that looks small.

Frequently asked questions

Top car insurance compared by country

• Australia
• Canada
• China
• France
• Germany
• India
• Ireland
• Italy
• Japan
• Netherlands
• New Zealand
• South Africa
• Spain
• United Kingdom
• United States

The data behind this ranking

All data and the CSV