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Drivers in Hull have many car insurance choices. The best option for you will depend on where you live, your past driving record, and the level of cover you need. If you are new to driving, have a family car, or want to renew your policy, it is good to compare quotes. This is the best way to get the right cover at a good price.

What’s the Average Cost of Car Insurance in Hull?

Hull is in the Yorkshire region. In this area, insurance prices can change a lot due to city size and how often people claim. The HU postcodes in Hull usually have better rates than those you get in places like Leeds or Sheffield.

Yorkshire covers these UK postcodes: BD, DN, HD, HG, HU, HX, LS, S, WF, YO, and TS. The average premium in this region is £721.63. That is lower than the UK national average, which is £834.00.

Factor Hull Avg UK National Avg
Annual Premium £721.63 £834.00
Monthly Payments £60.13/month £69.50/month
Young Driver (age 20) £1,812 £2,000
Over 50s Driver £305 £600

Quotes from Free Price Compare and ABI data. The information is correct as of the first part of 2024.

Car Insurance Premiums by Postcode in Hull

Prices change a bit in the main parts of Hull. Here is a list for the different HU postcode areas:

Postcode Area Typical Annual Premium
HU1 £735
HU3 £720
HU5 £710
HU7 £705
HU9 £695

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

What Type of Car Insurance Cover Do You Need?

Hull drivers have three main types of car insurance cover to pick from. These car insurance cover options help you and your car on the road. Many people in Hull want to know what car insurance they should get for their own needs. When you look at all the choices, you can see which car insurance cover is good for you. This way, you feel sure about driving your car in Hull. So, take some time to look at the different car insurance cover types and pick one that is best for you.

  • Third party – This plan pays if you hurt someone or damage their stuff. It is a legal requirement in the UK.
  • Third party, fire and theft – This plan also protects you if your car gets stolen or is hurt by fire.
  • Comprehensive cover – This takes care of damage to your car and others’ cars, and it does not matter who was at fault.

The level of cover you pick will affect what you pay for your insurance policy. It will also change what is included in that insurance policy.

What Type of Car Insurance Cover Do You Need

Optional Extras for Peace of Mind

If you feel like you need more help, you can add some extras when you ask for a quote.

  • Breakdown cover – This helps you get roadside help if the car stops working.
  • Legal cover – This will pay for legal fees if you are in a car accident.
  • Courtesy car – You will get a temporary car when your own is being fixed.
  • Uninsured driver protection – This helps you if you get hit by an uninsured driver.
  • Personal accident protection – This gives you money if you get seriously hurt.
  • Excess protection – This pays your excess if you make a successful claim.

Extras give you peace of mind, especially when you are in busy places or if you often need to use your car.

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What Impacts the Cost of Car Insurance in Hull?

The cost of car insurance in Hull depends on a mix of personal things about you and certain risks that come with your postcode.

  • Where you live, like HU1 or HU9, can make a big difference to the cost.
  • Your age and how many years you have been driving also change the price you get.
  • The value of your car and the safety rating of your vehicle matter, too.
  • If you have made past claims or have any convictions, these will get looked at.
  • When you add a named driver, this can change what you pay.
  • How many miles you drive and where you keep your car, like on the road or in a garage, affect your price.
  • The insurer uses their risk model for that place, and this changes the offer you get.

Some insurers give you a dedicated account handler when you get high-value or tough policies. This is common for car insurance. It can help a lot with young driver car insurance and fast cars. A dedicated account handler is there to make things easy and answer all your questions.

Young Drivers in Hull: What You Need to Know

Young drivers often have to pay more for car insurance. But if you drive a car that is not seen as risky, you may pay less. Building up your claims discount over time can also help lower the cost fast.

Car Model Typical Premium (Age 20, HU5)
Toyota Aygo (2021) £1,795
Vauxhall Corsa (2018) £1,775
Peugeot 208 (2019) £1,765

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

Young Drivers in Hull: What You Need to Know

Tips to Save on Young Driver Insurance:

  • Pick a smaller engine size.
  • Do not make changes to the car.
  • Try to park off the street when you can.
  • Check quotes from different companies every year.
  • Try to have a long no-claims record.

Do You Need to Notify Insurers at Renewal?

Yes. When it’s time for the renewal of your insurance policy, you should always check and update the registration number, your car’s mileage, address, and how you use the vehicle, like commuting or using it for business. If you do not give the right info, the insurance policy for your car may not be valid.

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Are Hull Insurance Companies Regulated?

All insurance companies that want to work in the UK must be allowed by the Financial Conduct Authority (FCA). This is so there will be a check on them.

  • The policy terms are fair.
  • The pricing is clear and open.
  • Complaints are handled in the right way.
  • Your data is kept safe and protected.

If you use a broker or another person to help you, always make sure they are registered with the FCA. They should be in a network of regulated insurers.

How to Get the Right Car Insurance in Hull

Here’s how to compare and secure the right cover:

  1. Put in your registration number and fill out your personal details.
  2. Pick your level of cover and add any extras you want like breakdown cover or legal cover.
  3. Compare quotes from a panel of UK insurers you can trust.
  4. Pick a policy that works for you and gives the best mix of protection and cost.
  5. Finish your quote and get your policy documents right away.

FAQs About Hull Car Insurance

Yes. In Hull, the average premium is about £721.63. This is almost £100 less than what most people in the UK pay. But the cost for you can go up or down. It depends on your own risk level.

Most car insurance policies now come with uninsured driver protection. But you should always read your policy to make sure that you have this cover. If you want to feel safe when out on the road, it is good to check if you are protected from an uninsured driver.

Yes. Most insurers offer young driver car insurance. They often use telematics or black box policies to help lower the cost. These options can make car insurance better for young drivers.

Not always. If your car does not have much value or you do not use it often, you may want to pick third party. But comprehensive cover usually gives you more extra help and can be better for your money.

Yes. All car insurance products sold in the UK, including the ones you find in Hull, are checked and looked after by the Financial Conduct Authority.

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Page last updated on: 17/07/2025

Page reviewed by: Shay Ramani

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