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 paid £260 this year, but I drive a midsized car (oddly cheaper than some popular small cars), live in a small town with low car crime and I’m 50 with a 6 year no claims. My dd pays £1200 but lives in a higher risk area (small - mid city) does a job considered higher risk and is 24.

Insurance is typically highest for the first year after passing your test

Personally for Dh and I on a brand new £25k car we would pay under £300 but we have been driving for nearly 30 years with protected no claims. However, Ds1 was also insured on my car as a brand new driver at 19, away at uni and he added £1200. Now he is employed post uni this has come down a little bit.

This isn't just about you as the driver, you are the unknown so you can run any car's plate through an insurance comparison site to see the figures. We use CompareTheMarket.

My car has all the latest safety features including collision avoidance so the car brakes itself if it detects you are too close to something. It has blind spot warnings that light up the mirror and if you indicate an alarm sounds. It has lane assist. All of these make it a safer car for a newly qualified driver. That means no black box, no monitoring. I do tick all the additional boxes, legal cover, loss of limb at the highest level etc. I don't just go for the cheapest, I go for the most comprehensive.

If you buy a VW Golf then that will cost you more in insurance than if you bought a Hyundai i10. Look at insurance groups on Autotrader as you can narrow down cars by different criteria.

Drive a 1.8l, insurance £280 per year. Been driving a long time and have 18+years no claims. My road tax is more than my insurance!
Insurance for new drivers is insanely expensive (have a teen who wants to start lessons soon!).

80 per month.

I've been driving 21 years, no accidents or tickets

10 year old zafira

Parking in a communal carpark at the back of the house

@RosesAndHellebores - Dd 17 passed in February and has an i10 1.2 litre, car in her own name. Both parents as named drivers and a black box £687 a year ( Hastings Direct)

I passed two years ago, paying 45 a month this year.

My insurance was £280 last year but the renewal quote was £1400 because DS x 2 are named drivers and both have recently passed their tests.
I shopped around and managed to get it down to £850, it could have been £600 but I couldn't do a black box/app telematics scheme as they all cancel if you don't log any journeys for 2 weeks and we don't use my car for a month in summer when we go on holiday.

I have been driving for years so my insurance of about £250 pa is a red herring.

DS2 is 22, passed three years ago and annual insurance on his first car (two years ago) was about £950. A year later it was about £750 and this year it was about £450. This is fully comp with Green Flag but quite a high excess (like, £500). It's also a 1-litre.

So I suggest @Pinkdreams you try the smallest car you can (in engine terms) and also consider a black box (DS doesn't have one as he drives on the motorway a lot for his pt job and would struggle, frankly, to stay under 70mph. But if that's not an issue for you then it can make quite a difference).

I see others say the same!