Cheap Car Insurance Quotes in the North West
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Cheap Car Insurance Quotes for the North West, England
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North West England Car Insurance Costs
According to a comprehensive survey by NimbleFins' comparison engine partner, comparing car insurance quotes can save you up to £523. From Manchester to Liverpool, consumer financial experts recommend utilizing platforms that aggregate quotes from multiple providers allows you to efficiently view your many car insurance options. Comparing car insurance is important in the North West, where a NimbleFins analysis showed higher car insurance costs.
Car insurance prices vary depending on where you live, but prices are higher than average in many areas of the North West—the average cheap comprehensive policies were quoted at £817 in the North West (a bit higher than the average cost of car insurance across the UK for our sample driver). There was a huge difference in car insurance costs from company to company, however, with companies like Sainsbury’s, One Call and Tesco costing more than 2X as much as the cheapest car insurance companies, including popular brands such as Admiral, Hastings Direct and Churchill—but these sample prices are just a rough indication of what you might find in the market.
Comprehensive cover is often good value for money. You would think that Comprehensive cover is the most expensive type of car insurance, since it is the "best" cover. However, we found that in the North West Third Party Only cover costs 2X as much as Comprehensive cover—£2,120 on average for TPO cover vs. £670 for Comprehensive cover.
North West England Car Insurance Brokers
North West drivers who aren't comfortable buying a policy online might find an independent broker to be a useful resource. However, you may pay an arrangement fee or higher cancellation fees when using a broker, so be sure to ask about these costs. Below, we've compiled a list of car insurance agents in North West, England that are all rated at least 4 out of 5 stars by customers.
| Broker | Address | Phone Number |
|---|---|---|
| Fogartys Insurance Services Limited | 384 Preston Old Rd, Blackburn BB2 5LL | 01254 723088 |
| Riding Insurance Services | 72 Darwen St, Blackburn BB2 2BL | 01254 683366 |
| Rhodium Insurance Brokers | 91 Montague St, Blackburn BB2 1EH | 0800 368 9991 |
| JK Insurance Services | 210 Audley Range, Blackburn BB1 1TG | 01254 366255 |
| David J Miller Insurance Brokers Ltd | 339 Union Rd, Oswaldtwistle, Accrington BB5 3HS | 01254 231332 |
| Impact Insurance | 625 Chorley Old Rd, Bolton BL1 6BJ | 01204 848481 |
| Sagar Insurances | Shuttleworth Mead, Group First House 12A Mead Way,, Blackburn Rd, Padiham, Burnley BB12 7NG | 01282 858250 |
| Ascott Insurance Brokers | 227 Elliott St, Tyldesley, Manchester M29 8DG | 01942 888888 |
| Norwest Insurance Brokers Ltd | 181 Dickenson Rd, Longsight, Manchester M13 0YN | 0161 225 9200 |
| Bridge Insurance Brokers Ltd | House 14, Cobac, 16 Charlotte St, Manchester M1 4FL | 0161 236 6969 |
| Marsh Commercial | Kabel House, 15 Quay St, Manchester M3 3HN | 0161 228 0444 |
| J & A Brokers Ltd | Trafford House, Chester Rd, Stretford M32 0RS | 0161 872 9886 |
| Beresford Insurance Brokers | 81 Manchester Rd, Denton, Manchester M34 2AF | 0161 336 6551 |
| ISRA Insurance | 315 Dickenson Rd, Longsight, Manchester M13 0NR | 0161 224 0222 |
| Simple Insurance Solutions | 875 Stockport Rd, Manchester M19 3PW | 0161 241 5122 |
| Aston Lark | Parsonage Chambers, 3 Parsonage, Manchester M3 2HW | 0161 834 1884 |
| ClearCo Insurance | 103 Reddish Ln, Gorton, Denton, Manchester M34 2NF | 0161 637 6336 |
| Bollington Insurance Brokers Limited | clipper house, Chester Rd, Stretford, Sale, Manchester M32 8AF | 01625 854300 |
| Stephenson & Threader Insurances | 82 Manchester Rd, Droylsden, Manchester M43 6PE | 0161 370 5400 |
| Wrightsure Insurance Broker Liverpool | 11-12 Hurricane Dr, Speke, Liverpool L24 8RL | 0151 494 0007 |
| ICUK Insurance | 330 Upper Parliament St, Liverpool L8 7QL | 0151 709 4888 |
| F Wilson Insurance Ltd | Wilson Rd, Liverpool L36 6AW | 0151 480 6000 |
| Novo Insurance | Building 12, Princes Parade, Liverpool L3 1DL | 0333 772 9779 |
| B P Insurance Brokers | Shadow House, 164-166 Victoria Rd W, Thornton-Cleveleys FY5 3NE | 01253 863636 |
| Ashgrove Insurance Services Limited | 1-3 Fletcher St, Ashton-under-Lyne OL6 6BY | 0161 330 2486 |
| Country and Commercial Insurance Brokers (CCIB) Ltd | 66 Derby Rd, Longridge, Preston PR3 3FE | 01772 780600 |
| James Trickett & Son Insurance Ltd T/A Tricketts Insurance Brokers | 13 Bank St, Rossendale BB4 6QS | 01706 212231 |
| West Craven Insurance Services Limited | 51 Victoria Rd, Earby, Barnoldswick BB18 6UN | 01282 817277 |
| Lifestyle Insurance Brokers | Meridian House, Pepper Road, Bramhall, Stockport SK7 5BW | 0161 641 3229 |
| Integro Insurance Brokers Ltd | Century House, Pepper Rd, Hazel Grove, Stockport SK7 5BW | 0161 419 3000 |
| Hine Chartered Insurance Brokers | 79-81 School Ln, Manchester M20 6WN | 0161 438 0000 |
| Adelphi Insurance | London Rd S, Poynton, Stockport SK12 1LQ | 01625 562389 |
| A-Plan Insurance | 9-11, Rex Buildings, Alderley Rd, Wilmslow SK9 1NZ | 01625 467080 |
North West England Vehicle Accident Rates
The rate of road traffic accidents in an area—there were 9,240 collisions in the North West in 2018—impacts auto insurance prices. Higher levels of crashes result in more claims, which pushes up premiums.
| North West England Car Theft and Accident Statistics | |
|---|---|
| North West, England Population | 7,306,900 |
| Number of Cars | 3,323,362 |
| Number of Reported Car Accidents | 9,240 |
| Seriously Injured | 2554 |
| Fatalities | 194 |
The biggest cause of car accidents in the North West is a driver error or reaction—this is a factor in a whopping 67% of road traffic accidents—failing to look properly alone was a factor in a third of car crashes.
North West England Vehicle Crime Rates
The frequency of vehicle crimes influences the way motor insurance companies set prices in a local area—especially for Comprehensive and Third Party, Fire and Theft products, both of which cover your care if it's stolen. In the North West of England there are 5.8 vehicle crimes per 1,000 people overall, with the highest rates of vehicle crime in Manchester, Blackpool and Blackburn (each of these areas have a vehicle crime rate of at least 9 per 1,000 people a year).
Note, recent data is not available but we are keeping this data from a few years ago for historical purposes.
| Vehicle Crime Rates in North West England | per 1,000 People |
|---|---|
| Cheshire West and Chester | 2.4 |
| Wigan | 3.7 |
| Trafford | 3.8 |
| Bury | 3.8 |
| Cheshire East | 3.9 |
| Tameside | 4.2 |
| Halton | 4.3 |
| Warrington | 4.5 |
| Stockport | 4.7 |
| Lancaster | 4.8 |
| Wirral | 4.9 |
| Sefton | 5.1 |
| Salford | 5.2 |
| Oldham | 5.7 |
| Bolton | 5.9 |
| Knowsley | 6.6 |
| St. Helens | 6.6 |
| Rochdale | 7.4 |
| Liverpool | 8.9 |
| Manchester | 9.0 |
| Blackburn with Darwen | 9.1 |
| Blackpool | 9.5 |
| Average | 5.8 |
What is considered "Vehicle Crime"? Vehicle crime essentially includes theft from a vehicle and theft of a vehicle. In general, theft from a vehicle is 5X more common than theft of a vehicle.
Cheap Car Insurance Quotes by Local Area
Car insurance quotes in your local area may be much higher or lower than other nearby areas, due to differences in car accident and car theft rates. Generally speaking, the higher the rate of accidents or thefts near you, the more you'll pay for car insurance. For example, post codes in Bolton, Blackburn and Rochdale were quoted rates nearly 3X as high as Lancashire and Cheshire East. See how your area compares below.
| Cheap Car Insurance Quotes in the North West | Postcode | Average of 5 Cheapest Quotes |
|---|---|---|
| Lancashire | LA2 | £512 |
| Cheshire East | CW1 | £670 |
| Cheshire West and Chester | CH64 | £750 |
| Wigan | WN1 | £830 |
| Oldham | OL2 | £921 |
| Knowsley | L34 | £967 |
| Liverpool | L18 | £1,071 |
| Blackpool | FY1 | £1,081 |
| Bury | BL9 | £1,200 |
| Manchester | £1,285 | |
| Bolton | BL1 | £1,443 |
| Blackburn | BB1 | £1,564 |
| Rochdale | OL11 | £1,573 |
| North West Average Quote | £1,036 |
FAQs
Methodology
To determine average car insurance costs for cities like Liverpool, Manchester and Cheshire in the North West, we gathered hundreds of quotes for a sample driver who is 35 years old and drives a 5-year-old Ford Fiesta. Unless otherwise noted, the driver has a good driving record with no history of accidents and 5 years of no claims bonus.
To compare prices across the region, we gathered quotes for 99 North West post codes. This allowed us to find the areas of the North West where drivers pay the least and the most for car insurance. We priced policies from over two dozen companies, including:
- Hastings
- Admiral
- Churchill
- LV
- More Than
- Elephant
- RAC
- esure
- People's Choice
- Sainsbury's Bank
- Tesco Bank
Remember that all premiums in this study are for a sample driver only. Prices change depending on the details of your application and even from day to day. What is cheapest for one person may not be cheapest for the next person.
To determine rates of vehicle crime and car accidents in the North West, we analysed data from the Department for Transport and UK Crime Stats.
Cheap Car Insurance Quotes for the North West, England
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Note regarding savings figures: *For information on the latest saving figures, pay-less-than figures, and pay-from figures used for promotional purposes, please click here.