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If you are looking for car insurance in Blackpool, you are in the right place. It does not matter if you are new to driving or just want a good deal. A quick way to save money is to compare quotes. Free Price Compare works with more than 120 UK insurers. This can help people in Blackpool find the right car insurance. They look at your postcode, driver details, and the level of cover you need. When you compare car insurance options, you get the protection you want. You also avoid paying too much.

From electric car insurance to classic car insurance, we have what you need. We help you find every kind of insurance out there. If you own an electric car or a classic car, you can count on us to give you the car insurance that fits your car. You will also be able to see other kinds of insurance that may be good for you.

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

Blackpool car insurance usually costs less than in big UK cities. The North West has good prices because there is not as much traffic and fewer people make claims. If you need car insurance, home insurance, or business insurance in UK.

Average Premiums: Blackpool vs UK

Driver Profile Blackpool Avg Premium UK National Avg
Annual Premium £725 £834
Monthly Payments £60.50/month £69.50/month
Young Driver (Age 20) £1,875 £2,000
Over 50s Driver £360 £600

Quotes from Free Price Compare, correct as of May 2025.

Blackpool Car Insurance by Postcode

The place where you live can make a big difference in the price of your car insurance policy. If your area has more crime or busy roads, you may have to pay more for car insurance. For example, FY1 and FY2 usually cost more than FY8.

Blackpool Postcode Typical Annual Premium
FY1 £740
FY2 £720
FY3 £710
FY4 £705
FY8 £690

The prices listed above are based on the average quotes people will get in 2025.

Types of Car Insurance in Blackpool

There are a few types of car cover that you can get in Blackpool. You can pick one that fits your driving style, how you use your car, and how much you want to spend.

Third Party Only

This meets the legal minimum rule for insurance. It gives cover if you damage something or hurt someone else. This may not be the best choice if you have a new car or if you drive a lot.

Third Party, Fire and Theft

This plan gives you all the same third-party protection. It also covers your car if it gets damaged by fire or is stolen. It is a good choice for people who want to keep costs down but still want some protection.

Comprehensive Cover

It gives you what is in the other policies. Plus, this one covers damage to your own car, even when you are the one at fault. This is often seen as the best choice, mainly for new cars or if you use your car a lot for work or going to work each day.

Some providers can give optional extras to new customers. These extras might include a courtesy car or premium finance.

Types of Car Insurance in Blackpool

What Affects Your Car Insurance Premium in Blackpool?

A range of factors influence your quote:

  • Postcode-specific risk: Where you live, such as FY1 or FY4, can change how much you pay.
  • Vehicle group: Cars in a lower group are cheaper to insure.
  • No claims: If you have more years without a claim, your discount goes up.
  • Type of policy: A comprehensive car insurance policy will often be the best deal.
  • Level of excess: A higher voluntary excess can make your premiums lower.
  • Black box insurance: A telematics policy can lower what you pay if you are a safe driver.
  • Named drivers: When you add people with more experience to the policy, the cost can be less.
  • Policy add-ons: Things like roadside help, legal cover, or cover if an uninsured person hits you will change the cost.
  • Cheap car insurance: You can get it by checking quotes and picking a more limited kind of cover.
  • Child car seats: If you travel with children, you may want car insurance that covers their safety seats and keeps them safe after a crash.

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Young Driver Insurance in Blackpool

Young drivers in Blackpool often have to pay more for car insurance. But there are some ways to make these costs lower.

Vehicle Avg Premium (Age 20, FY2)
Peugeot 108 (2021) £1,865
Fiat Panda (2020) £1,850
Hyundai i10 (2022) £1,840

A black box insurance policy can really help to lower what you pay for car insurance. If you stay away from high-performance cars, you may also get a better price. There is learner driver insurance, too. This can give you short-term cover as you get ready to get your full driving licence.

Optional Add-ons for Extra Cover

Optional Add-ons for Extra Cover

You can make your car insurance policy fit your needs by adding these extras:

  • Legal protection: Pays for solicitor costs after you have an accident.
  • Windscreen cover: Fixes or changes damaged glass on your car.
  • Uninsured driver protection: Makes sure you do not lose money if you are hit by a driver without insurance.
  • Breakdown cover: Helps if your car stops working on the road. You can pick different levels of help, like national recovery, onward travel, or getting a hire car.
  • Temporary car insurance: Good for times you only need to drive sometimes.
  • Excess protection: Gives your excess money back if you file a claim.
  • Courtesy car: Gives you another car while yours is being fixed.
  • Lost key cover: Pays for new keys and locksmith help if you lose your keys.

If you have a holiday home in the area, you can get holiday home insurance from certain providers. If you use a commercial vehicle, you can also get commercial vehicle insurance. There are several options for home insurance, holiday home insurance, and commercial vehicle insurance to help you feel safe and protected.

FCA Regulation and Consumer Safety

Car insurance companies in Blackpool must get approval from the Financial Conduct Authority (FCA). This is to make sure they follow the rules and are safe for people.

  • Fair claims handling
  • Clear documentation
  • Data protection
  • Transparent pricing

Whether you are a taxi driver looking for camera taxi insurance or someone with a motorcycle who wants motorcycle insurance, there is a rule that keeps things fair for all. This rule helps make sure taxi insurance and motorcycle insurance work well for everyone.

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Compare Car Insurance in Blackpool Today

To get the cheapest car insurance quotes in Blackpool, you need to shop around. There are many providers in this area. Some will be cheaper than others. You can also get a lower price if you compare several quotes. Do not forget to ask about deals or special offers in Blackpool before you buy. It can help to read customer reviews as well. This way, you can find good car insurance for you.

  1. Put in your details the right way.
  2. Pick the level of car insurance and add-ons you want.
  3. Look at car insurance plans from top UK companies.
  4. Pick the car insurance policy that gives you the price and cover you need.

Compare car insurance now so you do not pay too much. You can also get a better deal that fits what you need.

Related Articles

Understanding Car Insurance Quote Variations Across Comparison Sites

Find Affordable Cover: Compare Car Insurance Quotes UK

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Comprehensive Car Insurance Explained: Windscreen Coverage

Correct as of 04 June 2025

FAQs: Blackpool Car Insurance

Yes, car insurance in Blackpool usually costs less than the UK average. This is the case for most drivers in the FY4 or FY8 areas.

Use a comparison site like Free Price Compare. Choose a higher excess to lower your bill. Stay away from changes or top-speed cars.

Start looking for quotes about 3 to 4 weeks before you need to renew. This is the time when you can find the best deals.

Yes. All providers shown on Free Price Compare are checked and approved by the FCA.

Yes. But, if you drive a low-risk car, use a black box, or have a claims discount, it can help lower what you pay. These things can help bring your costs down.

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Page last updated on: 18/07/2025

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