Is your car your pride and joy, or are you ready for a change? Let us know and you could win a £300 John Lewis voucher | No thanks

Best car insurance companies 2019

Which are the best car insurance companies according to readers of this site?

More than 10,000 of you told us about your experiences for the Honest John Satisfaction Index so we can reveal the car insurance companies that offer the most complete package, not necessarily just the lowest price.

Some of the insurers here may not be the cheapest, but it is worth considering what you get for your money including the quality of service. Your responses gave us useful insights into the overall customer experience, including making a claim. 

Over 80 insurers were rated in the Satisfaction Index and the good news is that more than two thirds received a score of more than 7.5 out of 10, suggesting an improvement over the 2017 results. The top two from last year remained the same, with NFU Mutual and John Lewis Insurance taking gold and silver once again with Santander moving into the third-place spot. The top 10 insurers all rated over 8 out of 10 too, while bringing up the rear were Esure, Swinton and Hastings Direct in last place,

See also: Save on car insurance / Honest John Satisfaction Index 2018 / Best Classic Car Insurers

1

NFU Mutual

Car Insurance Satisfaction Score 9.20

NFU Mutual must be doing something right as they have taken the top spot once again, rated the best car insurer in the Honest John Satisfaction Index. Its overall rating of 9.20 is almost identical to last year, showing that their high scores are no fluke.

Even better is that NFU Mutual's prices are competitive too, with an average premium of £362 putting it near the top of the charts despite its highly-rated customer service.

Could it be the right insurer for you?

The car insurance cost examples below are taken from what readers have reported to us. Your circumstances will be different, so...

Make sure you check to see what it will cost you with a comparison site *.

   
Cheapest NFU Mutual insurance policy reported by readers  £125*
Most expensive NFU Mutual insurance policy reported by readers  £700*
Average NFU Mutual insurance policy cost  £362*

Could this be the right insurer for you? *

2

John Lewis Insurance

Car Insurance Satisfaction Score 9.02

An improved performance for John Lewis, who retain their place as the second highest-rated car insurer. The satisfaction score is significantly higher compared to last year, and it achieves the double hit of reducing its average premium cost compared to 2017 too; at £335 on average it is even better than first-placed NFU Mutual. Better luck next year Mr Lewis.

Could it be the right insurer for you?

The car insurance cost examples below are taken from what readers have reported to us. Your circumstances will be different, so...

Make sure you check to see what it will cost you with a comparison site *.

   
Cheapest John Lewis insurance policy reported by readers  £150*
Most expensive John Lewis insurance policy reported by readers  £650*
Average John Lewis insurance policy cost  £335*

Could this be the right insurer for you? *

3

Santander

Car Insurance Satisfaction Score 8.81

A new entry into the 2018 top 10 for Santander, who have proved popular with the readers of HonestJohn.co.uk for good customer service and competitive premiums - the average premium of £345 was lower than overall winner NFU Mutual.

Could it be the right insurer for you?

The car insurance cost examples below are taken from what readers have reported to us. Your circumstances will be different, so...

Make sure you check to see what it will cost you with a comparison site *.

   
Cheapest Santander insurance policy reported by readers  £135*
Most expensive Santander insurance policy reported by readers  £650*
Average Santander insurance policy cost  £345*

Could this be the right insurer for you? * 

4

LV Insurance (Liverpool Victoria)

Car Insurance Satisfaction Score 8.70

Another impressive showing from Liverpool Victoria, who stayed in fourth spot in the Honest John Satisfaction Index despite increasing its overall score compared to last year. LV were also one of just a handful of insurers who achieved a lowest recorded premium of £100, which also helped it achieve a low average premium too.

Could it be the right insurer for you?

The car insurance cost examples below are taken from what readers have reported to us. Your circumstances will be different, so...

Make sure you check to see what it will cost you with a comparison site *.

   
Cheapest LV insurance policy reported by readers  £100*
Most expensive LV insurance policy reported by readers  £1200*
Average LV insurance policy cost  £318*

Could this be the right insurer for you? *

5

Sheilas' Wheels

Car Insurance Satisfaction Score 8.53

Another new entry into the Honest John Satisfaction Index 2018, with readers telling us that Sheilas' Wheels offer competitive pricing for car insurance. Only its customer service rating not quite equalling that of LV sees it achieve fifth place in the ranking.

Could it be the right insurer for you?

The car insurance cost examples below are taken from what readers have reported to us. Your circumstances will be different, so...

Make sure you check to see what it will cost you with a comparison site *.

   
Cheapest Sheilas' Wheels insurance policy reported by readers  £100*
Most expensive Sheilas' Wheels insurance policy reported by readers  £800*
Average Sheilas' Wheels insurance policy cost  £342*

Could this be the right insurer for you? * 

6

Sainsbury's Bank

Car Insurance Satisfaction Score 8.51

One of several services offered by Sainsbury's Bank, its car insurance performed well in the Satisfaction Survey achieving an impressive score of 8.51. The average premium price was one of the higher recorded in the top ten, but strong customer service and incentives such as Nectar discounts and bonus points helped its overall score.

Could it be the right insurer for you?

The car insurance cost examples below are taken from what readers have reported to us. Your circumstances will be different, so...

Make sure you check to see what it will cost you with a comparison site *.

   
Cheapest Sainsbury's Bank insurance policy reported by readers  £150*
Most expensive Sainsbury's Bank insurance policy reported by readers  £700*
Average Sainsbury's Bank insurance policy cost  £363*

Could this be the right insurer for you? *

7

Quote Me Happy

Car Insurance Satisfaction Score 8.42

Another Aviva insurer, Quote Me Happy has appeared in the top 10 once again scoring 8.42 in the Satisfaction Index. Although the maximum premium shared by the readers of HonestJohn.co.uk was one of the highest, its average premium proved to be one of the lowest. 

Could it be the right insurer for you?

The car insurance cost examples below are taken from what readers have reported to us. Your circumstances will be different, so...

Make sure you check to see what it will cost you with a comparison site *.

   
Cheapest Quote Me Happy insurance policy reported by readers  £120*
Most expensive Quote Me Happy insurance policy reported by readers  £932*
Average Quote Me Happy insurance policy cost  £284*

Could this be the right insurer for you? *

8

SAGA

Car Insurance Satisfaction Score 8.40

SAGA is one of the most popular insurers with the readers of HonestJohn.co.uk, as it is aimed at more experienced, lower-risk drivers with consequently lower premiums. Unsurprisingly it was one of the few insurers that recorded a lowest premium of £100 and the average premium price was under the £300 mark too.

Could it be the right insurer for you?

The car insurance cost examples below are taken from what readers have reported to us. Your circumstances will be different, so...

Make sure you check to see what it will cost you with a comparison site *.

   
Cheapest SAGA insurance policy reported by readers  £100*
Most expensive SAGA insurance policy reported by readers  £1100*
Average SAGA insurance policy cost  £292*

Could this be the right insurer for you? *

9

Co-op Insurance

Car Insurance Satisfaction Score 8.38

Co-op Insurance is another new entry to the top 10, with strong results from our survey of 10,000 drivers. The maximum premium cost recorded is high but this is balanced by a lowest premium of £100, and results in a competitive average price in our top 10.

Could it be the right insurer for you?

The car insurance cost examples below are taken from what readers have reported to us. Your circumstances will be different, so...

Make sure you check to see what it will cost you with a comparison site *.

   
Cheapest Co-op Insurance policy reported by readers  £100*
Most expensive Co-op Insurance policy reported by readers  £1000*
Average Co-op Insurance policy cost  £341*

Could this be the right insurer for you? *

10

Direct Line

Car Insurance Satisfaction Score 8.35

Sneaking into the top 10 of our Satisfaction Index is Direct Line, the final new entry into the list. One of the more popular insurers amongst HonestJohn.co.uk readers, Direct Line's prices appear moderately competitive but its score is boosted by a good customer service performance.

Could it be the right insurer for you?

The car insurance cost examples below are taken from what readers have reported to us. Your circumstances will be different, so...

Make sure you check to see what it will cost you with a comparison site *.

   
Cheapest Direct Line insurance policy reported by readers  £115*
Most expensive Direct Line insurance policy reported by readers  £1200*
Average Direct Line insurance policy cost  £334*

Could this be the right insurer for you? *

 

 

* Sometimes we show a link with a * next to it. It means that it is an affiliate link and as a result helps HonestJohn.co.uk stay free to use. It's tracked to us and if you go through it, it can sometimes result in a payment or benefit to the site.

Comments

   on 14 November 2018

I would not suggest anyone use Admiral car insurance unless you want to get ripped off!

I was a loyal customer for many years but treated disgracefully.

Ignore my review at your peril.

Brian Horrocks    on 19 November 2018

SAGA are the same, reasonable price to start then increases as time goes on.

C A Nicholson    on 16 February 2019

I have stayed with Saga for about 12 years, if they increase price by more than a small amount I ring them to ask why and the price has dropped every time, when they used to include basic AA cover I used to pay extra for recovery and home start which cast £100 but on questioning increased price of insurance they used to reduce the £100 to £50 but now AA through is a separate item so looking for a cheaper breakdown cover as I do less than 1,000 miles a year and never go more than about 20 miles from home, normally within 10 mile radius but like to know I am well covered. Saga insurance has been very good value to date.

kdg    on 19 November 2018

Have been with NFU for several years,not the cheapest but more than offset by excellent service and knowledgeable staff.If you stay with them you earn a loyalty bonus which increases the longer you stay with them.

robin savill    on 19 November 2018

I have recently bought a Ford Kuga ST- Line X & got in touch with many of above co's for quotes.
Whilst most were competitive, NFU was highest by long way, £670.00 when others were around £280.00.
The AA came out best £225.00 & are continuing to insure my BMW for 28 days whilst it is for sale at NO added cost.
Whilst I don not doubt these findings, it still pays to shop around & see what you get for your money !

John Woodhouse1    on 19 November 2018

I have found A-Plan Insurance very good. Excellent customer service & I have found always willing to sharpen pencil when required.

Simon Heape    on 7 December 2018

I thought my insurance with Saga was a good idea until I tried to get my son added to my policy for a couple of weeks, he’s 24 with 6 years NCB, no endorsements and no claims but they wouldn’t touch him with a barge pole until, they tell me, he’s 30yo+.

C A Nicholson    on 16 February 2019

They are better for drivers over 50.

Roger Hulme    on 11 February 2019

I have 3 cars and I don't go for these multicar policies as I think they are a con.

On a previous occasion Admiral quoted well over £600 for all 3 whereas I insured 2 cars with one company and one with another for >£200 less.

I use comparison websites extensively as well as a cashback site.

Add a comment

 

Ask Honest John

Value my car