What affects your car insurance quote in the UK?
Ever wondered what affects your car insurance quote and why your friend pays less for car insurance even though they drive a similar car? The truth is, many different factors affect your car insurance quote in the UK — and some might surprise you.
What affects your car insurance quote
Personal details still matter
Traditional insurers look at a range of demographic details when pricing your policy. These include:
Age – Younger drivers typically pay more due to inexperience.
Postcode – Areas with higher theft or accident rates cost more to insure.
Occupation – Some jobs are considered higher risk than others.
Driving history – Previous claims or points on your licence can raise your premium.
The issue? These factors often don’t reflect how safely you drive — just how others like you have driven in the past.
Your car and cover type make a difference
The type of car you drive also plays a big role. High-performance or luxury cars tend to cost more to insure, especially if they’re expensive to repair or more likely to be stolen. Modifications can also bump up your quote.
Then there’s the level of cover you choose. Fully comprehensive cover is usually more expensive than third-party options — though not always. Extras like breakdown cover or legal assistance will also affect your final quote.
Your behaviour matters — if your insurer tracks it
Here’s the good news: your actual driving habits can affect your car insurance quote in the UK — if you’re with the right provider. Rooster uses a 3-week test drive via your phone to measure real-world driving behaviour. If you’re a safe driver, you’ll get a quote based on your driving — not your job or where you live.
It’s a smarter, fairer way to get insured.
About Rooster
Rooster is an app-based car insurance provider that uses real driving behaviour to build fairer quotes. We also offer fully comprehensive cover, breakdown cover from just £2.99/month, and up to 50% off MOTs, services, and repairs. Download the Rooster app now and take the free test drive to see how much you could save.
