What people actually pay, from the industry's own tracker, and the rules that stop insurers charging you more for staying.
Across about 28 million private car policies a year. This is prices paid, not quotes.
Source: ABI
Put in your annual motor premium. It is worked out in your browser and sent nowhere.
Compared against the ABI average premium actually paid. Premiums vary hugely by age, postcode and vehicle, so treat this as a rough bearing rather than a verdict on your insurer.
What you pay here depends on where you live. Put your postcode in and we will show your area's figure rather than the national one.
Below: what is changing, what you could be paying, and what you might be owed. The longer detail stays folded until you want it.
The things that stop the headline figure being misread.
The full published figures, for anyone who wants to check our working or find their own line.
These are the rules, not advice. The price walking ban has been in force since 1 January 2022 and applies to home and motor policies sold to consumers.
Scroll sideways to see every column
| Rule | What it requires | Since |
|---|---|---|
| No price walking | A renewal price must not be higher than the equivalent new business price for the same customer through the same channel. ICOBS 6B.2.1R. | 1 Jan 2022 |
| Show last year's premium | The renewal notice must show what you paid at inception of the expiring policy, presented so you can compare the two easily. | In force |
| Shop around wording | From your fourth consecutive renewal the insurer must tell you, in prescribed words, that you may get the cover you want at a better price by shopping around. | In force |
| Auto renewal | The notice must say whether the policy renews automatically, and cancelling auto renewal must be easy, by methods matching how you bought it. Health and pet insurance are excluded. | 1 Jan 2022 |
| Bundles | Where home and motor are bundled, each element and the bundle price must independently pass the test. | 1 Jan 2022 |
The average motor premium paid rose £6 to £566 in Q2 2026, still down about £14 year on year in real terms. Claims told a different story: £3.2bn paid out, up 7% year on year, with the average claim at £4,900. On the home side premiums fell to £383 combined while the average payout passed £7,000 for the first time and subsidence hit a record £20,000.
Source: ABI
The premium finance market study found average APRs down 4.1 percentage points since 2022, saving consumers about £157m a year. The cost of paying monthly fell from £49 to £41 on motor and £18 to £15 on home. The FCA confirmed it will not impose a price cap and will not mandate interest free instalments, relying on fair value and Consumer Duty monitoring instead. Over 23 million policies are paid monthly.
Source: FCA
Tariff Tracker publishes insurance statistics and the regulatory rules. It does not provide quotes, does not pass your details to anyone, and is not authorised by the Financial Conduct Authority to arrange insurance.
The ABI tracker does not split comprehensive from other policy types. Any site quoting an ABI average comprehensive premium is not reproducing ABI output.
Neither the ABI nor the FCA publishes average motor premiums by age band or by region. We will not invent them.
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