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If you live in Barnet, north London, it’s important to get the right car insurance. The law says you need car insurance, and the cost of car insurance can change a lot based on your postcode, your age, and your driving history. There are over 120 insurers you can compare in Barnet. This means you can often find car insurance quotes that are a good fit for you. If you want the cheapest car insurance, the best thing to do is compare car insurance quotes first.

What Is the Average Cost of Car Insurance in Barnet?

Car insurance costs in Barnet are often higher than in more rural areas of the UK. This is because the roads can be busy in Barnet and there are more claims than some other places. Still, people in Barnet usually pay less for car insurance than those in central London.

Average Premiums in Barnet vs UK

Category Barnet Avg UK National Avg
Annual Premium £748.20 £834.00
Monthly Payments £62.00/month £69.50/month
Young Driver (Age 20) £1,925 £2,000
Over 50s Driver £372 £600

Quotes from Free Price Compare and industry data on cheap car insurance as of May 2025.

If you drive safe for several years and have no claims, you could get a lower premium.

Barnet Car Insurance by Postcode

Different areas in Barnet have different risk levels for insurers. If you live in a spot that is busy or has more theft, you may have to pay more.

Postcode Area Typical Annual Premium
EN4 £765
EN5 £750
NW7 £735
NW9 £760
N20 £770

These numbers come from looking at common risk levels. They show what the average quotes usually are.

What Types of Car Insurance Are Available in Barnet?

Third Party Only

This is the least amount of car insurance you must have by law. It pays for damage or harm you cause to other people. It does not cover your own car.

Third Party, Fire and Theft

Adds cover for your own car if it is stolen or gets damaged by fire.

Comprehensive Cover

This plan includes all the things mentioned before, and it also pays for repairs to your car, even if you are the one at fault. In places like Barnet, this can be better value than third party. Some of the cheapest car insurance quotes are for comprehensive policies because they offer extra protection. So, if you are looking for the cheapest car insurance or the best car insurance quotes, it is good to check what a comprehensive policy in Barnet can give you.

What Types of Car Insurance Are Available in Barnet

What Factors Affect Car Insurance in Barnet?

Several important things can change the amount you have to pay for your premium.

  • Your Postcode: Some postcodes in the UK are seen as higher risk. This can make the price go up.
  • Type of Vehicle: Fast cars or ones that cost a lot are usually more to insure.
  • Driver Age: If you are young, you will often pay more than someone with more years of driving.
  • Driving History: If you have made claims or have driving convictions, you might have to pay a higher price.
  • Annual Mileage: If you drive fewer miles in a year, your insurance can cost less.
  • Where You Park: If you park off-street or in a secure place, it can lower your price.
  • Excess: A higher excess can often bring your premium down.

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Car Insurance for Young Drivers in Barnet

Young drivers in Barnet often pay more because they do not have a lot of driving experience. If you pick the right car, it can help lower these costs.

Example Premiums (Age 20, EN5)

Car Model Annual Premium
Ford Fiesta (2020) £1,910
Peugeot 108 (2021) £1,895
Vauxhall Corsa (2022) £1,920

Having a no claims history and using black box insurance can help to bring down your premiums as time goes on. If you do not make claims, your insurance may cost less. A black box in your car watches how you drive. This can also help to lower what you pay. Over the years, if you get a good score and have no claims, then your insurance can be even cheaper.

Useful Optional Extras

Useful Optional Extras

Many drivers in Barnet like to add extras to their car insurance. This can help make their policy work better for them.

  • Breakdown Cover
  • Legal Protection
  • Windscreen Cover
  • Uninsured Driver Protection
  • Courtesy Car
  • Key Cover

These extras can give you peace of mind. This is true, especially if you live in a busy city.

Are Insurers in Barnet Regulated?

Yes. All car insurance providers have to be approved by the Financial Conduct Authority (FCA). This means they must:

  • Handle claims in a fair way.
  • Keep your personal data safe.
  • Give clear documents.
  • Use the right steps when there is a claim.

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How to Compare Car Insurance in Barnet

Comparing quotes is one of the best ways to get a deal that works for you. With Free Price Compare, you can look at car insurance quotes from top UK providers in just a few minutes. All you need to do is enter your details, pick what cover you like, and see which insurer gives you the right car insurance policy at the best price. Compare car insurance quotes now, and do not pay more than you have to.

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Correct as of 04 June 2025

FAQs About Barnet Car Insurance

Yes, it is a little higher than the UK average. This is because there is more traffic and more people making claims.

Yes, insurers rate each postcode in its own way. They look at claim data and how often theft happens in that area.

Yes, you can do this by picking cars that have low risk, using black box insurance, and getting a good no-claims record over time.

Yes, any real insurance company that works in the UK has to be allowed by the FCA.

It is a good idea to check car insurance about three weeks before your plan renews. You are likely to get the lowest prices at this time.

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Page last updated on: 18/07/2025

Page reviewed by: Shay Ramani

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