Cheap Quotes from Top Car Insurance Companies

Top Car Insurance Companies – Compare Cheap Quotes

There are hundreds of different insurance providers to choose from in the UK, which is great news if you’re keen to shop around.

But what if you’re only interested in taking out a policy with one of the top 10 car insurance companies in the UK? How do you zero in on those providers?

Well, that will largely depend on how you rank UK insurance providers, but for many drivers the concept of the ‘top 10 car insurance companies’ will refer to the ten biggest providers, or at least those with the most well known brands.

If that’s what you have in mind, then the top 10 car insurance companies in the UK (based on the total number of policyholders each company has) are currently:

• Admiral Group
• Direct Line Group
• Aviva
• LV=
• Hastings
• Ageas
• Axa Insurance
• esure
• Royal Sun Alliance
• NFU Mutual

Of course, if you’re idea of the top car insurance companies is those firms that are able to offer you the cheapest insurance quotes then it may not be as simple as comparing quotes the 10 biggest providers and going with one of those, because some of the smaller insurance providers may be better placed to offer you a cheaper policy.

In that case, the best plan would be to compare car insurance quotes from a very wide range of insurance providers side by side, and then ranking them in order from the cheapest quote down.

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Aren’t the biggest insurers the ones that are most likely to offer me the cheapest and best quotes though?

Not necessarily.

Although the biggest insurance providers may have more policyholders and higher turnover, that doesn’t always mean they’re the ones that are best placed to offer you the cheapest quotes, particularly if you’re seen as a riskier driver (if you have a history of motoring convictions, have recently claimed on your insurance or are a newly qualified driver, for instance).

Some of the bigger insurance companies have underwriting terms that mean they are less well placed to take on these riskier drivers, which means your own list of top insurance providers might well feature smaller, less well known UK insurance companies.

Which providers are the top car insurance companies for young drivers?

If you’re a young driver who is regularly quoted car insurance premiums that exceed £3,000 or £4,000 a year you may find that the top car insurance companies by size aren’t your best bet for finding a cheaper quote, because some of the larger brands actively discourage riskier drivers from taking out insurance with them.

The top car insurance companies for younger drivers are more likely to be brands that are specifically designed to serve these riskier motorists, either by using telematics insurance (or black box insurance, as it’s more commonly known) to offset some of that risk, or simply by having underwriting terms that allows for a higher level of risk exposure.