How much do you pay for car insurance per month?

[Pinkdreams]

I’m intrigued, I want to learn to drive, I know I should have done before. I have been playing around with go compare and the prices for car insurance are more than I thought, £180 per month minimum, I was t expecting it to be that high to be honest, curious what does everyone else pay?

I dont pay much more than that annually but I've been driving for ages have full no claims and a pretty standard car, make of that what you will

£300 a year

Both DC have passed in last 18 months. They both pay around £160 pm for insurance 1 cars. They are main driver on policy with me and husband as named drivers. Black box fitted. New drivers are being rinsed! Yes I understand the likelihood of a claim etc is higher but still the whole process from learning to passing is so expensive. It was definitely not equivalent to what I paid many moons ago.

I passed my test almost 2 years ago and I'm now 46, my first year was £140 per month with no added extras like windscreen or breakdown cover.
I switched companies for this year and I'm paying a few pennies over £100 a month, but I have breakdown cover & recovery, key cover both lost & stolen, windscreen cover and crucially for me, £0 excess (except for keys/windscreen). It's expensive granted and because I've had to claim for my windscreen this year(grateful I have the cover!), will probably go up, but I think you pay for your lack of experience, you're more likely to have an accident in the first 2 years. I think mine would be lower if I had a garage or some sort of secure parking both at home and work, and my postcode probably adds a few quid on as well.

I dread to think what the cost is for younger new drivers though, you can get it cheaper by having a black box, or a more experienced named driver I believe, but I don't have anyone that would drive my car regularly enough for it to be legit.

Edited to add my car is a 1.2 though a turbo and 13 years old and a WAG make, so that probably bumps it up a bit.

I’m around £400 a year, driving for 12 years, 10 years no claims which is protected and low excess. My first insurance on a 1l Fiesta was well over £1200 a decade ago and I was early 20s not just 17, so your price doesn’t surprise me much.

Check out money saving expert on low insurance group cars, the lower the insurance group the (generally) lower price to insure, and it’s not always the cars you expect and a few other things can affect it.

Cars often thought to be good first driver cars like corsas etc can be quite expensive to insure due to them being driven by lots of young drivers which pushes up the accident stats for that car.

Anything with a sport “model” even if it’s just cosmetic not engine size will be more expensive to insure.

Your address/area and whether your car is on a drive or parked on the road will make a difference, as will the age of the car (newer cars tend to be cheaper which seems a bit counter intuitive but seems to be related to risk rather than price of car)

£36 per month for dh and I on one car

It’s pointless asking this - because car insurance depends on so many variables. In addition, many people don’t pay monthly, they pay in advance as that makes it cheaper.

£60 a month on an electric car, no claims for 17 years or something.

Most my insurance ever went to was £1,800 a year in my 2nd year of driving.

I pay £30 a month but have been driving 30+ years. Any new driver insurance will be expensive. I think you just have to take a hit on it for the first few years. There is no way round it and it will reduce eventually as your NCD builds up.

30 years old. Passed at 22 and bought a car straightaway. First year was £1250 and this year was £340. It has come down almost in a straight line.

Paying monthly will usually cost you more. If you can’t save to buy annually I’d consider a credit card with an extended 0% period.

I used to pay £27 (25 years driving no claims or convictions) but recently added DS17 as a learner and it’s now £115.

I’m expecting it to go up again when he passes his test

@Pinkdreams do you have access to a car already or will you be buying one?
To keep the costs down, you need a 1 litre engine.
I've just insured DD aged 17, new driver for about £850 for the year. That would be £71 a month.
Look at Aygo / 107 / C1 (they are all essentially the same car).
Other similarly cheap to ensure options are vw up / citigo / i10 (although there don't seem to be as many second hand one about).
Don't buy anything without checking the insurance cost first. It's easy to end up with a car that costs more to insure than it cost to buy (friends fiat 500 for example).

Mine's £800 per annum for a 2L car with all the bells and whistles but an excess of £500. It went up when I got three points.

DD, nearly 27, two years' driving experience, i10, £1600, dh and me on the insurance also. It will go down.

@House4DS who are you insuring with?

Less than £40 a month that's for me and DH fully comp, but I'm 40, DH is 41 I've been driving since I was 19 and he's been driving since he was 17.

Just under £300 a year, been driving for 13 years. It's going to be higher when you first pass and depending on age. You'll build up no claims and as time goes on your insurance will come down. Get a black box if you can (if they still do them), will make it slightly cheaper and they're not too bad

I pay just over £200 annually.
But I'm old and have over 40 years NCD.

Against that, I live in a postcode that makes car insurance expensive.

So it isn't really that helpful to you to know what others pay, as there are so many different factors.

130 a month 🥺

2nd year of being insured though

I only passed my test a couple of months ago and mine is £75 a month.
I drive a fiesta.

@RosesAndHellebores Hastings direct via either money supermarket or compare the market (I'd checked both). One parent as named driver. Car in DDs name.

Golly, I couldn’t get dd's for anything near that at 10 years older and on an i10. There were a few, but with very high excesses. She's hoping it will drop soon.

Perhaps the SE is particularly expensive.

Will depend on the car, where you live and if you have a black box fitted but 180 pm is a lot.
You might be able to lower it by adding an older more experienced person as a named driver on the policy, with you still as the main driver.

Mine is £145 for the year. Oldish car 2014 plate.

£200 a year, I'm old

@RosesAndHellebores what size engine? We're south east. DS 2 years ago was about £1000 for a 1.3 litre engine.