Compare Kingston Upon Thames Car Insurance

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Car insurance in Kingston Upon Thames can vary. This depends on your postcode, driving history, and how you use your car. If you are a new driver or if you need to update your insurance policy, it's important to compare car insurance quotes. Doing so can help you find the cheapest car insurance that meets your needs.

What’s the Average Cost of Car Insurance in Kingston Upon Thames?

Drivers in Kingston Upon Thames spend more on insurance than the UK average. This is mainly due to heavy traffic and many claims in the area. Costs can also change based on repair costs, the kind of vehicle, and if the driver is considered a higher risk.

Region: London
Postcodes Covered: E, EC, N, NW, SE, SW, W, WC, BR, CR, DA, EN, HA, IG, KT, RM, SM, TW, UB, WD
Average Premium: £1,269.34
National Average: £834.00

Factor Kingston Upon Thames Avg UK National Avg
Annual Premium £1,269.34 £834.00
Monthly Payments £105.11/month £69.50/month
Young Driver (age 20) £2,440 £2,000
Over 50s Driver £479 £600

Quotes from Free Price Compare and the national average from ABI data are accurate as of the first quarter of 2024.

Kingston Upon Thames Car Insurance by Postcode

Insurance companies change premiums based on your location. If you have a clean driving record and live in a safe area like KT5, you could pay lower insurance rates.

Postcode Typical Annual Premium
KT1 £1,245
KT2 £1,230
KT3 £1,225
KT4 £1,210
KT5 £1,195

The quotes from Free Price Compare are accurate as of May 15, 2025.

What Types of Cover Are Available from Car Insurance Companies?

Insurance companies in Kingston Upon Thames offer various levels of coverage depending on your needs.

  • Third party – A basic legal need that protects other people, not your car.
  • Third party, fire and theft – Adds safety against fire damage and lost cars.
  • Comprehensive car insurance – Covers your vehicle, even if the crash is your fault.
  • Fully comprehensive policy – Usually offers breakdown cover, new windscreen protection, and excess protection.
  • Temporary or short-term cover – For when you borrow or rent a car for a little while.
  • Business use – Required if you use your car for more than just going to work.

It's important to choose the right amount of coverage from an FCA-regulated insurance provider. This choice can offer you peace of mind in the event of a claim.

What Types of Cover Are Available from Car Insurance Companies

What Impacts Car Insurance Premiums in Kingston Upon Thames?

In Kingston Upon Thames, the price of auto insurance can vary. This depends on your personal information and the area you live in.

  • Postcode risk – Areas KT1 and KT2 have higher insurance rates because they have more claims.
  • Driving history – A clean driving record can help lower your insurance premium.
  • Level of cover – Basic cover may cost less. However, comprehensive cover usually offers better support features.
  • Excess amount – Choosing a higher voluntary excess can lower your monthly costs.
  • Vehicle type – More expensive cars lead to higher repair costs and higher insurance premiums.
  • Optional extras – Adding legal cover, breakdown cover, or a hire car will make your insurance cost more.

Always review the specific information that your insurance professionals provide before selecting your policy.

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Young Driver Car Insurance in Kingston Upon Thames

New drivers often pay higher rates for car insurance. This is because they lack experience and do not have a record of claims. However, by making good decisions, you can discover the cheapest car insurance quotes that fit your age group.

Car Model Typical Premium (Age 20, KT2)
Toyota Aygo (2021) £2,205
Ford Fiesta (2018) £2,185
Hyundai i10 (2020) £2,170

Quotes from Free Price Compare are accurate as of May 15, 2025.

How to Lower Your Insurance Premium as a Young Driver:

  • Choose a telematics or black box auto insurance policy.
  • Pick a cheaper car that does not cost much to repair.
  • Take an advanced driving course to reduce risks.
  • Increase your voluntary excess if you can.
  • Avoid extra options that you might not require.

Optional Extras for Added Protection

Some insurance services provide extra features. These features offer better protection compared to the basic plans.

Optional Extras for Added Protection
  • Breakdown cover – Get help when your car breaks down while you drive.
  • Uninsured driver protection – This keeps you safe if someone without insurance damages your car.
  • Legal cover – This helps cover legal fees if there is a problem.
  • Excess protection – You receive your policy excess back when you make a claim.
  • New windscreen cover – This covers repairs or replacement for cracked or broken glass.
  • Courtesy hire car – You can use a temporary car while yours is being repaired.
  • Personal belongings – This protects the items you leave in your car.

Extras will increase your policy cost. However, they can give you extra peace of mind.

Get Kingston Upon Thames Car Insurance Quotes Now!

To check the car insurance prices in Kingston Upon Thames today:

  1. Enter your personal details and information about your vehicle.
  2. Complete the form submission by adding your driving history and the car’s mileage.
  3. Use the quote engine to get rates from trusted insurance providers.
  4. Compare different types of policies to find the cheapest price.
  5. Select the coverage that fits your needs and offers representative cost savings.

Using the best service lets you easily compare car insurance companies and their policies. This is based on your real-world experience.

FAQs About Kingston Upon Thames Car Insurance

Higher insurance premiums in Kingston Upon Thames are caused by heavy traffic. There are also certain risks related to postal codes and an increase in the number of claims being made.

Drivers with a clean driving record and several years without claims usually pay lower insurance rates.

The cheapest car insurance options often use telematics. They also involve choosing safer vehicles.

No, some insurance policies do not cover it. So, you should read the insurance policy closely.

Kingston Upon Thames car insurance is part of the big London market. This means that many UK insurance companies and brokers operate here. You can also find several special car insurance plans available.

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Page last updated on: 16/07/2025

Page reviewed by: Shay Ramani

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