Compare Isle of Man Car Insurance

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Car insurance is a must by law for all Isle of Man residents who have or drive a car. It does not matter if you want third party cover or if you choose a plan that covers more. When you know how car insurance works in the Isle of Man, you can pick the policy that fits you best. This will also help you save money and feel good about what you have chosen.

What’s the Average Cost of Car Insurance on the Isle of Man?

Car insurance on the Isle of Man is usually cheaper than in the UK. The Isle of Man has less people, and there are not as many traffic claims. It also has safer roads than UK cities or Jersey. This makes car insurance costs on the Isle of Man lower than what you get in the UK.

Region: Isle of Man
Postcodes: IM, GY
Average Premium: On the Isle of Man, the average is £685.42.
National UK Average: In the UK, the average is £834.00.

Factor Isle of Man Avg UK National Avg
Annual Premium £685.42 £834.00
Monthly Payments £57.12/month £69.50/month
Young Driver (age 20) £1,755 £2,000
Over 50s Driver £298 £600

Quotes are from Free Price Compare. They are based on the national average using ABI data. This is right as of the first quarter of 2024.

Car Insurance Premiums by Isle of Man Region

The Isle of Man does not use UK postcodes. But prices in each local area can go up or down. This is because the number of people who make claims and the amount of traffic in the area are different.

Region Area Typical Annual Premium
Douglas £710
Peel £695
Ramsey £685
Castletown £670
Port Erin £665

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

What Car Insurance Cover Options Are Available?

Drivers in the Isle of Man have the same main kinds of car insurance cover as people in the UK. This car insurance cover comes from different insurers. A lot of these insurance companies work in both the Isle of Man and the UK.

  • Third party – This car insurance pays for damage or injury you cause to other people. It will not look after damage to your own car.
  • Third party, fire and theft – This kind of car insurance will help if your car is stolen or hurt by fire. But it does not pay for damage to your car unless the damage is from fire or someone taking it.
  • Comprehensive car insurance – This protects your own car too. You get help even if you have an accident and the fault is yours.

A good insurance policy can also give you some added choices. This can be things like getting a courtesy car, having breakdown cover, and help with legal costs.

What Car Insurance Cover Options Are Available

What Affects the Cost of Motor Insurance on the Isle of Man?

The price you pay for car insurance in the Isle of Man can be different for everyone. It will change based on your personal details. The driving risks where you live in the Isle of Man also matter. The type of cover you pick will also make a difference. Here are some of the usual things that change the cost for Isle of Man residents.

  • Vehicle value and usage – If the car you use costs more or you drive it a lot, it will cost more to get it insured.
  • Driver history – If you have had a car accident before or if there are penalty points on your licence, you might have to pay a higher price.
  • Level of cover – A plan that gives you more cover will be higher in cost than other plans.
  • Excess – If you set a bigger excess, you can get a lower premium. But remember, you will have to pay more when you make a claim.
  • Named driver – If you add a named driver who has more practice behind the wheel, your premium can sometimes get lower.
  • Claims history – If you made a claim for a car accident lately, your premium could go up, because they see this as more risk.

The policy wording tells you what the insurance will pay for, what things are not included, and how much excess you might have to pay. Always read the policy wording carefully before you buy.

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Car Insurance for Young Drivers on the Isle of Man

Young people who drive often have to pay more for car insurance. This is because they are seen as having a higher risk when they are on the road. To get a lower price, it can help to choose smaller cars or pick cars that are in lower insurance groups. This simple step will make car insurance feel a bit lighter on your wallet.

Car Model Typical Premium (Age 20, Douglas)
Toyota Aygo (2021) £1,770
Vauxhall Corsa (2019) £1,750
Fiat 500 (2018) £1,745

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

How to Lower Your Premium as a Young Driver

  • Pick a car that has a smaller engine and is in a lower insurance group.
  • Do not get changes made to the car that are not needed.
  • Add a named driver who is known to be safe and responsible.
  • Try to drive less and work on good driving habits.
  • Pay for your insurance once every year so you can avoid extra finance charges.

Optional Extras from Isle of Man Insurance Providers

Isle of Man insurance companies give you some extra ways to make your motor insurance better. There are options that you can use to change or add to your plan. Many people like to have these choices. It helps them feel safe with their policy. If you drive a car on the Isle of Man, you can look at these extra options. It can help you get the cover you want for your motor insurance. This way, you feel more sure, and your car is better protected.

Optional Extras from Isle of Man Insurance Providers
  • Breakdown cover – You get help at the side of the road if your car stops working.
  • Courtesy car – A replacement car is given to you if your car needs repair.
  • Uninsured driver protection – You will be covered if an uninsured driver hits you.
  • Personal accident cover – This pays money if you or a named driver is hurt badly.
  • Legal costs – It covers the fees for a solicitor if the accident is not your fault.
  • Car keys – If you lose your car keys or if they get stolen, the cost for replacement keys and the locksmith will be paid.
  • Excess protection – If you make a good claim, your excess money will be given back.

These extras can make your premium go up. But they also help give you better protection if you need to make a claim.

Are Isle of Man Insurers Regulated?

The Financial Conduct Authority looks after UK insurance companies. If a company is in the Isle of Man, it has to get approval from the Isle of Man Financial Services Authority (IOMFSA). UK insurers that want to do work in the Isle of Man still have to follow the rules made by the FCA. Most of them are also with BIBA.

Both UK and Isle of Man insurers must:

  • Give people easy-to-understand policy wording for every insurance policy.
  • Handle all claims and any complaints by using a set way in customer services and claims service.
  • Offer fair prices for insurance and renewals that follow the rules for general insurance conduct.
  • Make sure the insurance policy is helpful to people and fits what they need, based on the risk and what they can pay.

If you need further information, you should ask the insurer or broker if you have any doubts before you agree to the terms.

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Compare Isle of Man Car Insurance Quotes Now

Follow these steps to compare and save:

  1. Put in your own details and your vehicle details.
  2. Pick the cover you need. You can choose third party or comprehensive.
  3. Add any extras you like. Some extras are breakdown cover or a courtesy car.
  4. You will see real-time quotes from insurance providers. These companies are licenced to help isle of man residents.
  5. Choose the policy that fits you best. You can read about the excess, what comes with it, and what each insurer offers.

Using the best service lets you see many different insurers at once, and it is quick and safe. You can look at what they offer. This helps you find the one for you. With this, you get to see all your options from different insurers, and it saves you time.

FAQs About Isle of Man Car Insurance

Yes. You have to have motor insurance by law if you drive or own a car on the Isle of Man.

Yes, on average, you will see that premiums are lower. This is because there is less traffic, and not as many big accidents as what you get in the UK or Channel Islands.

If the insurer is in the UK, the Financial Conduct Authority is the one that checks them. But if the insurer is on the Isle of Man, the Isle of Man Financial Services Authority is the group that looks after them.

Yes. Most car insurance policies from the Isle of Man have UK cover in them. But you need to check with your insurer to be sure and to see if there are any limits on your car insurance. It is good to talk to them and know what is in your policy before you go to the UK.

Some insurance policies cover the Channel Islands and Jersey in their limits. But you should read the policy wording carefully. This will help you know what the insurance policy covers before you go.

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Page last updated on: 17/07/2025

Page reviewed by: Shay Ramani

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