Compare Aberdeen Car Insurance: Find the Right Deal for You

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Car insurance is needed by law in the UK. If you live in Aberdeen, some local things can change how much you pay and what your insurance policy covers. It does not matter if you have driven for years or you just got your first policy. By comparing car insurance quotes in Aberdeen, you can find a plan that fits you and costs less. This is a good way to get the protection you need.

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

Aberdeen is in the northeast of Scotland. Car insurance costs there are usually lower than in most big UK cities. This is because there is not much traffic and many areas there have low crime. People in Aberdeen also make fewer claims for car insurance.

Average Car Insurance Premiums

Category Aberdeen Avg UK National Avg
Annual Premium £615.25 £834.00
Monthly Payments £53.10/month £69.50/month
Young Driver (Age 20) £1,685 £2,000
Over 50s Driver £308 £600

The information comes from Free Price Compare and UK averages put together. It is correct as of May 2025.

Aberdeen Car Insurance by Postcode

Just like in other parts of the UK, the postcode where you live in Aberdeen can change what you pay. Insurance companies look at claims data. They also check theft risk and how often accidents happen in the area.

Postcode Area Typical Annual Premium
AB10 £675
AB11 £685
AB12 £665
AB15 £660
AB21 £678

Premiums are right as of May 2025, coming from Free Price Compare data.

What Types of Car Insurance Can You Choose in Aberdeen?

Aberdeen drivers have the same main types of car insurance as other drivers in the UK.

Third Party

This is the least amount of car cover the law says you must have. It pays if you hurt someone or damage their car. It does not pay for any harm to your own car.

Third Party, Fire and Theft

It gives you the same cover as a third party. You also get protection if there is theft of your car or if it is damaged by fire.

Comprehensive Cover

Offers the best protection you can get. It pays for repairs to your car, even if you are at fault. You are also covered for theft, vandalism, and other things that can happen to your car.

For most people in Aberdeen, car insurance that covers a lot gives the best value and real peace of mind.

What Types of Car Insurance Can You Choose in Aberdeen

What Affects the Cost of Car Insurance in Aberdeen?

Several factors influence the premium you'll pay:

  • Postcode: The place you live in Aberdeen can change how much risk you have.
  • Type of Car: If you drive a fast or expensive car, you will pay more for insurance.
  • Age and Experience: If you are young or just started driving, you will have to pay more.
  • Claims History: If you have not made a claim, you can get a no claims discount (NCD) to make your premium lower.
  • Storage and Usage: If you park your car off the road and do not drive it much, you may lower your costs.
  • Level of Cover: A third party policy may cost less, but a comprehensive one can give you better value in the end.
  • Event of a Claim: How your policy deals with an event of a claim can change what you pay in the long run.

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How Much Do Young Drivers Pay in Aberdeen?

Young people who are under 25 often have to pay more for car insurance. But, if you pick cars that are in lower insurance groups, it can help bring down the cost.

Sample Premiums for Age 20, AB10

Car Model Typical Premium
Vauxhall Corsa (2021) £1,690
Hyundai i10 (2020) £1,675
Fiat 500 (2021) £1,660

Quotes are based on the usual risk profiles. This information is right as of May 2025.

Optional Add-ons for Extra Protection

Optional Add-ons for Extra Protection

Aberdeen drivers are able to make their general insurance policy better by adding some helpful extras. This way, you get more out of your insurance policy and feel more protected on the road. With these extra features, your general insurance can cover more and help you feel safe in Aberdeen.

  • Breakdown Cover: This gives help if your car stops working on the road.
  • Legal Cover: This will pay for legal costs after an accident that is not your fault.
  • Uninsured Driver Protection: This keeps your NCD safe and pays for repair costs.
  • Courtesy Car: This gives you a temporary car while your own is being fixed.
  • Windscreen Cover: This fixes or changes glass that is chipped or cracked.
  • Personal Injury Cover: This gives money if you or a passenger get hurt.

Adding these features can help make your protection better. But, it may also raise your monthly or yearly premium.

Are Aberdeen Insurers Regulated?

All car insurance companies in Aberdeen have to be approved and checked by the Financial Conduct Authority (FCA). This means the car insurance you get in Aberdeen will follow the rules and laws set by the Financial Conduct Authority. This keeps you safe as a customer. You can feel good knowing your car insurance is set up to protect you and your needs.

  • Policies follow all laws
  • Claims are handled in a fair way
  • There is clear communication and proper paperwork

Always make sure that your insurer is approved by the FCA. If they are not, you might not get valid cover. This is a good way to help keep your cover safe. It is important to check this before you buy.

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Tips to Compare Car Insurance in Aberdeen

To get the best deal:

  1. Start Early: You should look at car insurance 3 to 4 weeks before it needs to be renewed.
  2. Use Free Price Compare: You can check prices from over 120 providers and see many car insurance choices.
  3. Adjust Excess: If you choose a higher voluntary excess, it can help lower your car insurance costs.
  4. Limit Mileage: If you drive fewer miles in a year, you will often get lower car insurance quotes.
  5. Consider Telematics: A black box in your car may help young or high-risk drivers get cheaper insurance.

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Correct as of 04 June 2025

FAQs About Aberdeen Car Insurance

Yes, Aberdeen usually has lower average premiums than cities like London, Manchester, or Birmingham.

Yes, most insurers let you pay in monthly instalments. But if you choose to pay once a year, it is often cheaper.

Yes. Places where there are fewer claims and thefts usually have lower insurance prices.

Cars like the Fiat Panda, Toyota Aygo, or Hyundai i10 are usually in low insurance groups. These are good choices if you want to save money on car insurance. A lot of people pick them for this reason. If you want to cut down on costs, they can be a smart pick.

Yes. Many insurers have telematics policies. If you drive safe, you can save money with these.

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Page last updated on: 18/07/2025

Page reviewed by: Shay Ramani

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