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Compare Cheap Car Insurance Quotes in Leicester

Car insurance costs vary quite significantly by location and it is therefore important that you enter your postcode correctly so that the relevant information is returned from our database when collecting quotes for you. The wrong postcode on a policy can invalidate claims!

Leicester is one of the largest 15 cities in the UK (by population) and it is well-known that car insurance costs more in cities than in small towns or rural areas. This is usually because many cities have a higher crime rate, and drivers are more likely to be involved in accidents when in a built-up area. These factors will bump up the insurance premiums due to the insurer's risk assessment.

Despite being a fairly large city, Leicester is not as expensive for car insurance as the likes of London, Liverpool, or Manchester. According to research, Liverpool is the most expensive major UK city for car insurance followed by Manchester, Birmingham, Bradford, and London. By contrast, the cheapest cities were Aberdeen, Perth, Truro, Inverness, Winchester, and Swansea.

What other factors influence the cost?

As well as your Leicester postcode, there are many other things that insurers take into account when working out your premiums. The most notable of these are your age, the make, model and age of your vehicle, where the vehicle is kept overnight (street or garage), how long you have been driving, your driving record/history (fines, claims, accidents etc.) and the size of your no claims bonus.

Compare Cheap Car Insurance Quotes in Leicester

How we can help?

Here at Free Price Compare, we do all the legwork for you. We use our extensive and constantly-updated database to find you a selection of the cheapest and best-value deals and then let you choose the best for you.

When it comes to car insurance, we compare prices from hundreds of insurance providers including both big-name brands and smaller companies. We will display the deals for you with the cheapest first but you are able to filter and sort the results as you wish and then make an informed decision about which option to go with. In almost all instances we are able to get quotes that are the same or less than if you were to approach the insurer directly.

Drivers in Leicester can find the best deals on car insurance by comparing quotes from over 110 providers. Whether you're looking for comprehensive cover, third-party policies, or specialised options like black box insurance, comparing quotes is the key to finding affordable car insurance in Leicester.

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Why Do I Need Car Insurance in Leicester?

Before exploring the different types of car insurance available in Leicester, it's essential to understand the legal requirements and other key facts:

  • Legal requirement: All drivers in Leicester must have at least third-party car insurance. Driving without insurance is a serious offence that can lead to fines, penalty points, and even disqualification.
  • Average cost: According to the Association of British Insurers (ABI), the average car insurance premium in the East Midlands, which includes Leicester, was £465 in 2023. However, prices can vary significantly depending on individual circumstances.
  • Factors affecting premiums: Your age, driving experience, vehicle make and model, postcode, and level of cover are just some of the factors that can impact your car insurance premiums in Leicester.

Leicester Road Accident Statistics

Leicester's road network and traffic conditions contribute to a significant number of accidents each year. Consider the following statistics:

Accident Severity Number of Accidents Number of Casualties
Fatal 5 6
Serious 143 172
Slight 1,218 1,627
Total 1,366 1,805

Source: Leicester City Council (2023)

Why Do I Need Car Insurance in Leicester

Car Insurance Claims in Leicester

According to the Department for Transport, Leicester had the following car insurance claims statistics in 2023:

Car Insurance Claims in Leicester (2023)
Number of Claims 6,734
Average Claim Amount £2,759
Total Claim Value £18,579,106

These figures emphasise the importance of having the right car insurance cover to protect yourself financially in the event of an accident or claim.

Types of Car Insurance Available in Leicester

When comparing car insurance quotes in Leicester, you'll typically choose between three main types of cover:

  1. Comprehensive insurance: This is the highest level of cover, protecting you against damage to your own car as well as third-party claims for injury or property damage. Comprehensive policies often include additional benefits like courtesy cars and windscreen cover.
  2. Third-party, fire, and theft (TPFT) insurance: TPFT cover includes protection against third-party claims, as well as theft of your vehicle and fire damage. However, it does not cover damage to your own car in an accident where you're at fault.
  3. Third-party insurance: This is the minimum level of coverage required by law in Leicester. It only covers claims made by other people for injury or damage to their property caused by your vehicle. Third party insurance does not provide any cover for damage to your own car.

While third party car insurance may appear to be the cheapest price option, it's crucial to consider the potential financial consequences of not having adequate cover in the event of an accident.

Specialised Car Insurance Options in Leicester

In addition to the standard types of cover, there are several specialised car insurance options available in Leicester:

  • Black box insurance: Also known as telematics insurance, this type of policy involves installing a small device in your car to monitor your driving habits. Premiums are then adjusted based on your driving behaviour, which can be particularly beneficial for young or inexperienced drivers.
  • Multi-car insurance: If you have more than one car in your household, a multi-car insurance policy can often be more cost-effective than insuring each vehicle separately.
  • Short-term car insurance: For those who only need car insurance for a short period, such as a few days or weeks, short-term policies can provide flexible cover without the commitment of an annual policy.
  • Classic car insurance: Owners of classic or vintage vehicles in Leicester may benefit from specialised classic car insurance, which often includes agreed valuation and limited mileage restrictions.
  • Taxi insurance: With Leicester being a busy city, taxi insurance policies cater to the specific needs of taxi drivers, including cover for multiple passengers and business use.

How to Get Cheap Car Insurance in Leicester

Leicester drivers can take several steps to reduce their car insurance premiums:

  1. Compare quotes: Use comparison websites like Free Price Compare to get quotes from multiple insurers, compare renewal quotes from current insurance supplier.
  2. Choose a low-risk car: Selecting a car with a low insurance group rating, such as those with smaller engines and good safety features, can help keep premiums down.
  3. Increase your voluntary excess: Opting for a higher voluntary excess can lower your premiums, but ensure you can afford the excess if you need to make a claim.
  4. Maintain a clean driving record: Building up your no claims discount by driving safely and avoiding accidents can significantly reduce your premiums over time.
  5. Consider telematics: Black box insurance policies, which monitor your driving habits, can be particularly beneficial for young or inexperienced drivers in Leicester.
  6. Pay annually: If possible, paying your premium in one lump sum can be cheaper than spreading the cost over monthly instalments.
  7. Limit your mileage: Lower annual mileage can result in lower premiums, so consider reducing your mileage if possible.
  8. Enhance your car's security: Installing approved security devices, such as alarms and immobilisers, can qualify you for discounts on your premiums.
  9. Add experienced named drivers: Adding an older, more experienced driver to your policy can sometimes help reduce your premiums.

Optional Extras for Leicester Car Insurance

When taking out car insurance in Leicester, consider which optional extras might be worth including:

  • Breakdown cover: Provides assistance if your car breaks down, with costs varying depending on the level of cover.
  • Legal expenses cover: Covers legal costs associated with car accidents, typically costing between £15 and £40 per year.
  • Personal accident cover: Offers compensation for injuries or death resulting from a car accident, with premiums around £25 to £75 per year.
  • Courtesy car cover: Ensures you have a replacement vehicle while yours is being repaired after a claim, usually adding £20 to £40 to your annual premium.
  • Protected no claims discount: Allows you to retain your no claims discount even if you make a claim, typically costing an additional 5% to 10% of your base premium.
  • Windscreen cover: Covers the cost of repairing or replacing your windscreen, with premiums around £30 to £50 per year.

Carefully consider which extras are most valuable to you, as they will increase your premiums.

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What to Do After a Car Accident in Leicester

If you're involved in a car accident in Leicester, follow these steps to ensure your safety and protect your interests:

  1. Stop and check for injuries: Stop your vehicle and check for any injuries to yourself, your passengers, and anyone else involved. Call emergency services if necessary.
  2. Exchange details: Share your insurance and contact details with the other driver(s) involved, and collect their information as well.
  3. Document the accident: Take photos of the damage to all vehicles and the accident scene, if it's safe to do so. Make notes about the circumstances of the accident.
  4. Notify your insurer: Contact your insurance provider as soon as possible to report the accident and start the claims process.
What to Do After a Car Accident in Leicester

If the other driver is uninsured, you may still be able to claim compensation through the Motor Insurers' Bureau (MIB). In 2023, the MIB received 684 claims related to uninsured drivers in Leicester.

Leicester Car Insurance FAQs

Yes, all drivers in Leicester are legally required to have at least third-party car insurance.

According to the ABI, the average car insurance premium in the East Midlands, which includes Leicester, was £465 in 2023. However, prices can vary significantly depending on individual circumstances.

Compare quotes from multiple providers to find the most affordable car insurance policy that meets your needs.

Stop your vehicle, check for injuries, call emergency services if needed, exchange insurance details with the other driver(s), document the accident, and notify your insurer as soon as possible.

Choose a car with a low insurance group rating, increase your voluntary excess, build your no claims discount, consider black box insurance, pay annually, limit your mileage, improve your car's security features, and consider adding an experienced named driver to your policy.

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