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Are you looking for car insurance in Brighton that does not cost a lot? It does not matter if you live in the city centre, at the Marina, or places like Hove or Patcham. It is a good idea to check a few prices. When you compare car insurance quotes, you can save money and get a better deal.

Free Price Compare lets you see quotes from more than 120 UK insurers. All of them are FCA-regulated. You can look at car insurance offers from all over Brighton. This way, you can get a plan that fits your car, your postcode, and your driving record.

What is the Average Cost of Car Insurance in Brighton?

Brighton premiums are a bit higher than the UK national average. This is because there is more traffic and a bigger chance of accidents in busy areas. But, you can still get good rates if you compare policies early and pick cover that fits what you need.

Brighton vs UK Average Premiums

Driver Type Brighton Avg Premium UK National Avg
Annual Premium £795 §834
Monthly Payments £66.25/month £69.50/month
Young Driver (Age 20) £1,910 £2,000
Over 50s Driver £370 £600

Data sourced from Free Price Compare, May 2025.

Car Insurance in Brighton by Postcode

Some parts of Brighton have higher costs. This is because there are more accidents and more car crime in these areas. Here is a look at what most people pay:

Postcode Area Typical Annual Premium
BN1 £805
BN2 £790
BN3 (Hove) £775
BN41 £765
BN42 £760

Types of Car Insurance Available in Brighton

Third Party Only

Meets the legal minimum. It covers injury or damage to other vehicles, but not to your own car.

Third Party, Fire and Theft

This type of cover looks after third party benefits. It also helps if your car gets stolen or if there is fire damage to your vehicle.

Comprehensive Cover

This keeps your car safe, even if you cause the accident. It often has windscreen repair, protects your personal belongings, and gives you a choice for a courtesy car. Out of all the choices, this is usually the best value.

Add-on Options

Many Brighton drivers add:

  • Breakdown cover helps to give you peace of mind. When your car stops working, you know help will come.
  • Temporary car insurance is good for visitors or for when you have to borrow a car.
  • Electric car insurance is made for electric cars. It works well for your EV.
  • Motorcycle insurance comes in handy if you have another vehicle at your home.
  • Business insurance is there for you if you use your car for work.

Pick the car insurance that works for your life, and feel peace of mind knowing you and your car are covered.

Types of Car Insurance Available in Brighton

Factors That Influence Brighton Car Insurance Costs

  • Postcode risk: If you be in a place that has a lot of crime or many car accidents, you will have to pay more for your cover.
  • Age & experience: A driver who is young or does not have much practice will pay more for insurance.
  • Vehicle type: A car that is fast or new will be more expensive to insure.
  • No claims bonus: If you do not make a claim for more years, your price can get better.
  • Policy excess: A higher voluntary excess can help to make your cost lower.
  • Annual mileage: If you drive less in a year, you may get a lower cost.
  • Level of cover: A third party policy costs less, but it will not give you as much protection as other types.
  • Named drivers: If you add drivers who have more practice to your policy, you might pay less.

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Young Driver Car Insurance in Brighton

Brighton has the universities and colleges. So, you will find a lot of young drivers here. They will want to get the right insurance. You need to look at:

  • Black box policies: Having telematics in the car can let a young driver pay less for their car insurance.
  • Student driver discounts: There are insurance companies that will give a discount to young driver who are still students.
  • Low-risk vehicles: If a young driver picks a low-risk car to use, they can have a lower cost for their insurance.
Car Model Avg Premium (Age 20, BN2)
Toyota Aygo (2022) £1,905
Ford Ka+ (2020) £1,890
Hyundai i10 (2021) £1,875
Optional Extras Worth Considering

Optional Extras Worth Considering

  • Legal cover: This helps with the cost you need to pay after you have a car accident or when you put in a claim.
  • Windscreen repair: This covers the price to fix chips or cracks in the front glass of your car.
  • Uninsured driver protection: This helps you get back what you lose if a driver without insurance hits you.
  • Hire car: You will still have a car to use while your own car is being fixed.
  • Holiday home insurance: This is useful for people who go to more than one home during the year.

FCA Regulation & Local Confidence

All car insurance providers in Brighton listed on Free Price Compare are checked by the Financial Conduct Authority. This means the insurance providers, and the car insurance they offer, follow the rules set by the Financial Conduct Authority.

  • The pricing will be clear, and the policy terms will be fair for you.
  • You will get your claims settled fast.
  • Your personal data will be kept safe.

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How to Compare Car Insurance in Brighton

  1. Fill in your details and the vehicle registration.
  2. Pick what type of car insurance cover you want. This can be third party, TPFT, or comprehensive.
  3. Choose add-ons like breakdown or excess protection if you want them.
  4. See car insurance quotes that are made for you from UK companies you can trust.
  5. Pick the cheapest car insurance quote that works for you.

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Correct as of 05 June 2025

FAQs: Brighton Car Insurance

Prices at this place are a bit more than you may want, but they are still lower than the prices you get in big cities like London or Birmingham. The places that have the BN3 and BN41 code are usually better for your wallet.

Use Free Price Compare to look at prices from more than 120 approved providers. Try to compare car insurance about three weeks beforeyour renewal is due. This will help you get a good deal and save you some money.

Yes, you can do a few things to lower your quote. You can use telematics, keep your mileage low, and pick a car that is not risky. These steps may help get you a better price.

Yes, all providers you see on Free Price Compare are checked by the FCA. This helps to make sure that you have protection, fairness, and a safe service.

Paying once a year usually ends up costing less over time. This happens because monthly payments often include extra interest or a finance charge.

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Page last updated on: 18/07/2025

Page reviewed by: Shay Ramani

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