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If you drive in Enfield, it is important to have car insurance. This is not just about the law. It helps keep your car, your money, and your peace of mind safe. UK residents can choose from different options, like third party cover or a fully comprehensive policy. When you compare quotes, you get tailored cover and can save money by not paying extra for what you do not need.

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

Enfield is in the London area, which has some of the highest insurance prices in the united kingdom. This is because there is lots of traffic, many thefts, and a big number of claims in the city.

Region: London
Postcodes Covered: E, EC, N, NW, SE, SW, W, WC, BR, CR, DA, EN, HA, IG, KT, RM, SM, TW, UB, WD
Average Premium: £1,243.77
UK National Average: £834.00

This area in London is covered by many postcodes in the UK. People in this region pay an average car insurance premium of £1,243.77. That is higher than the UK national average, which is £834.00.

Factor Enfield Avg UK National Avg
Annual Premium £1,243.77 £834.00
Monthly Payments £103.65/month £69.50/month
Young Driver (age 20) £2,455 £2,000
Over 50s Driver £495 £600

Quotes from Free Price Compare and ABI data. This is right as of 20 May 2025.

Car Insurance Premiums by Enfield Postcode

Each EN postcode has its own level of risk. This can change how much people pay. Here is a look at the normal prices:

Postcode Area Typical Annual Premium
EN1 £1,265
EN2 £1,250
EN3 £1,240
EN4 £1,230
EN5 £1,220

Quotes from Free Price Compare are right as of 20 May 2025.

What Types of Cover Are Available in Enfield?

Drivers in Enfield can pick from the usual kinds of cover:

  • Third party – This is the least amount of cover you have to get by law. It pays for damage that you cause to other people or their things. You must have this to drive on the road.
  • Third party, fire and theft – This type gives you the same as the basic third party cover. It also pays out if your car is stolen or damaged in a fire.
  • Comprehensive cover – This one will look after you, your car, and anyone else involved, even if the accident is your fault. It is more complete than third party or third party, fire and theft cover.

With repair and bodyshop repair prices going up in the UK, more people now go for fully comprehensive insurance. This choice helps give them total peace of mind. Many feel good knowing they will be covered if something goes wrong. This peace of mind matters to UK drivers when it comes to their car and the repair bills.

What Types of Cover Are Available in Enfield

How Much Do Young Drivers Pay for Car Insurance in Enfield?

Premiums for young drivers are some of the highest in London. If you use a black box or drive fewer miles each year, that may help lower what you pay.

Car Model Typical Premium (Age 20, EN3)
Toyota Aygo (2021) £2,465
Ford Fiesta (2019) £2,440
Hyundai i10 (2020) £2,420

Quotes from Free Price Compare are correct as of 20 May 2025.

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Optional Extras Available with Enfield Car Insurance

Most insurance policies let you add extra options that can fit your needs.

  • Uninsured driver protection – This helps you if you get hit by an uninsured driver. It covers your excess and keeps your no-claims bonus safe.
  • Legal cover – This pays your legal fees if you get into a car accident and there is legal action.
  • Breakdown cover – This gives you roadside assistance across the UK if your car breaks down.
  • Courtesy car – You will get another car to use while yours is being fixed.
  • Personal accident cover – This pays you money if you get a serious injury.
  • Child car seat cover – If there is a car accident, your child car seats will be replaced.
  • Excess protection – After a valid car insurance claim, you will get your excesses refunded.
  • Foreign use cover – You will keep your car insurance even when you drive out of the UK.
  • Day driveaway car insurance – You get temporary cover with this from your desired start date.
  • Key cover – If your keys are lost or stolen, you will get them replaced. This also pays for the locksmith.
  • Misfuelling cover – This helps you if you put the wrong fuel in your car.

All the extras are explained in the policy wording and the full terms that the insurer gives you.

Who Regulates Insurance Companies in Enfield

Who Regulates Insurance Companies in Enfield?

All insurers that work in Enfield have to be given permission by the Financial Conduct Authority (FCA). This shows that:

  • We give clear pricing and easy-to-read papers.
  • We handle complaints the right way and follow the official steps.
  • We show all the core benefits and exclusions in a clear way.
  • We keep your receipt, policy, and your own data safe.

When you compare, make sure that the insurers you look at are real and allowed to help UK residents. They must work under FCA rules in the UK.

Free Comprehensive Policy Offers in Enfield

Some insurers give out a free comprehensive policy for a short time when you get a new car. This can be part of their deals or come from the car maker's offers. These often include:

  • You can get 5-day or 7-day temporary car insurance.
  • The cover can start from your desired start date.
  • You get basic or limited car insurance cover for test drives or when you collect the car.

Always read the policy wording closely. Check if it tells you about things like excesses, how the vehicle can be used, and any warranty rules that may be there.

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How to Compare Car Insurance Quotes in Enfield

To compare effectively:

  1. Put in your name, some other details, and your registration number.
  2. Pick if you want third party or full (comprehensive) car insurance cover.
  3. Add extras, like breakdown cover or uninsured driver protection, if you want them.
  4. Choose the car insurance policy that works for you and say when you want it to start.
  5. Right away, you will get quotes from more than one FCA-regulated insurers.

This helps you get the best policy. You do not have to fill out the same form for every insurer.

FAQs About Enfield Car Insurance

Premiums in this area are higher than the usual. This is because the traffic volume, postcode risk, and city claims make it that way. EN postcodes are part of the wider London pricing group.

Yes. Some companies give day driveaway car insurance. This kind of car insurance helps when you need to pick up a car or try one out with a test drive.

If you have uninsured driver protection on your policy, you can get the repair costs back. You will not lose your no-claims discount. This helps you if the other driver does not have insurance.

No. Breakdown cover is most times not needed. If it is there, you should see if you get roadside assistance or help at home.

Yes. All big insurance companies that give out policies in Enfield need to be allowed by the Financial Conduct Authority.

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Page last updated on: 17/07/2025

Page reviewed by: Shay Ramani

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