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If you are looking for car insurance in Bournemouth, it is a good idea to compare quotes first. No matter if you are a student, drive to work, or have just started driving, looking at different prices can help you save money. Free Price Compare works with over 120 car insurance companies that are all FCA-regulated. The company finds a policy for you by looking at your postcode, driving record, and what you need. When you compare car insurance, you will often get peace of mind. Find good and affordable coverage in Bournemouth today.

How Much Does Car Insurance Cost in Bournemouth?

Bournemouth drivers usually have lower car insurance costs than people in big cities. This is because the traffic in Bournemouth is not heavy. There are also not many insurance claims in that area. For these reasons, Bournemouth can be a good place if you want cheap car insurance.

Average Premiums: Bournemouth vs UK

Driver Profile Bournemouth Avg Premium UK National Avg
Annual Premium £710 £834
Monthly Payments £59.25/month £69.50/month
Young Driver (Age 20) £1,840 £2,000
Over 50s Driver £350 £600

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

Bournemouth Car Insurance by Postcode

Different parts of Bournemouth have their own risks. The main things to look at are how much traffic there is, how many thefts happen, and how often there are accidents. What you pay for insurance may also be different if you live near Bournemouth. Places like Poole or Christchurch can have higher or lower insurance costs too.

Bournemouth Postcode Typical Annual Premium
BH1 £735
BH2 £720
BH5 £715
BH8 £700
BH10 £690

What Types of Car Insurance Are Available?

Third Party Only

This is the lowest kind of cover you must have by law. It will pay if you hurt other people or damage their things. But it will not help if your own car has damage.

Third Party, Fire and Theft

This plan will help if your car has fire damage or if it gets stolen. It is a good choice for those who have lower-value cars and want some cover.

Comprehensive Cover

This covers your car. It also covers any other people, even when you are the one at fault. There are often a few extras in this cover. For example, it might help fix your windscreen. You could also get a courtesy car if you need one. This is why it can be a good choice for most people.

Additional Options

Many drivers want to get more than just a basic plan. They like to add things such as temporary car insurance, holiday home insurance, or electric car insurance. These add-ons make the whole deal better and more complete. If you have a classic car, it is good to find special classic car insurance policies. These give the right type of cover for your car.

What Types of Car Insurance Are Available

What Factors Affect Bournemouth Car Insurance Premiums?

Your premium is determined by a range of factors:

  • Your postcode: The area you live in has a big impact on how much you pay for car insurance. If there is more theft or many past claims in your postcode, the price goes up for you.
  • Vehicle type: A fast car or an expensive one will cost you more to insure than others.
  • Driver age: If you are young, you may have to pay more than an older driver for car insurance.
  • Driving history: If you do not have claims or have a clean licence, you can often get a price that is lower.
  • Level of cover: A third party policy costs less than a full cover one, but it does not protect you as much.
  • Annual mileage: If you drive less each year, the risk of needing to claim is less, so you might have a lower price.
  • Excess: A high voluntary excess can help reduce what you pay for your policy.
  • Named drivers: Adding someone with more driving experience to your policy may help you save money.
  • Payment method: If you pay monthly, you might pay more overall. A one-time annual payment is often the cheaper way.
  • Car insurance policy type: A full policy covers you in more ways, but it does cost more too.

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Young Driver Insurance in Bournemouth

Younger drivers often pay the most for car insurance. This is because they have not had much time to learn how to drive well yet. If you choose a safe car that is not risky, you can pay less. Some people use telematics policies, which watch the way you drive. These can help you save money too. A few companies offer insurance just for learners. There are also short-term plans that new drivers can use.

Vehicle Avg Premium (Age 20, BH8)
Vauxhall Corsa (2021) £1,835
Toyota Aygo (2022) £1,820
Hyundai i10 (2022) £1,810

Student drivers in Bournemouth should check which policies fit with their university postcode. If you do not drive too often, you can look at getting black box insurance. This can help you save money.

Optional Add-ons to Consider

Optional Add-ons to Consider

Drivers in Bournemouth have many extra options for their policies. You can get the one that is good for your life and the money you want to use.

  • Windscreen cover
  • Legal protection
  • Breakdown cover
  • Excess protection
  • Uninsured driver cover
  • Courtesy car provision
  • Temporary car insurance. This is good if you go see family or need it for a few days.
  • Motorcycle insurance for homes that have two vehicles
  • Business insurance if you use the vehicle for work or business

These extras give you more ways to handle things. They help you deal with less hassle if you get in an accident. They also help you feel peace of mind.

FCA Regulation and Policy Confidence

All the car insurance companies you find on Free Price Compare are allowed and watched by the Financial Conduct Authority (FCA). This means you can feel safe using them.

  • The company will look at claims in a fair way and do it on time.
  • Car insurance policy terms are clear and easy to read.
  • Your personal data will be kept safe and secure.
  • A friendly team will help you with the claims process.

Whether you are getting a new service, or you want to change your provider, the government has rules to help keep you safe.

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Compare Car Insurance in Bournemouth Now

Ready to save on your premium? Follow these steps:

  1. Fill in your driver details and add your postcode.
  2. Pick the cover level you want.
  3. Get and compare car insurance quotes from top UK providers.
  4. Choose the plan that gives you the best value and fits your needs and lifestyle.

With Free Price Compare, most new people who use it save more than £300 on average. Compare car insurance today and do not pay too much. Find the best deal that works for you.

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Correct as of 05 June 2025

FAQs: Bournemouth Car Insurance

Yes, Bournemouth has less traffic and fewer claims. This makes it cheaper than the UK average. The areas close to it, like Poole and Christchurch, also see the same kinds of prices.

Get quotes as soon as you can. Think about choosing comprehensive cover. You can try to lower things that make your risk higher, like taking less excess or driving less miles. You may also save money when you bundle your insurance. For example, you can add travel insurance or home insurance to your plan to get more discounts.

All insurance companies you find on Free Price Compare are checked by the FCA. This helps give you security, trust, and confidence. You can feel good knowing that these companies work in a safe and careful way.

Look for telematics (black box) policies. You can also think about third party, fire and theft cover, or short-term student cover if you do not drive a lot. These options can be good for people who only get in the car from time to time.

You need to start looking at different car insurance plans about three or four weeks before your current plan is set to renew. This is the time when you will get the best deals. If you compare early, you avoid any hassle that can come when your policy runs out.

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Page last updated on: 18/07/2025

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