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If you drive a car in Ipswich, you have to get car insurance. This is more than just following the law. The right cover gives you and your car protection if there is a car accident, theft, or if you get damage. You can pick from basic third party plans to full coverage that keeps you safe in more ways. To find the best value, it is smart to look at quotes from several insurance providers. This way, you know you get what you need at a good price.

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

Drivers in Ipswich pay a bit less for car insurance than the UK average. The cost can change based on your postcode and your past driving record. It can also go up if you want to add things like breakdown cover, courtesy car, or legal cover.

Region: East of England
Postcodes covered: IP1 to IP5
The average premium in this area is £714.28.
This is lower than the UK average, which is £834.00.

Factor Ipswich Avg UK National Avg
Annual Premium £714.28 £834.00
Monthly Payments £59.52/month £69.50/month
Young Driver (age 20) £1,798 £2,000
Over 50s Driver £312 £600

Quotes from Free Price Compare and ABI data. All information is correct as of the first part of 2024.

Car Insurance Premiums by Postcode in Ipswich

Even in the same town, postcode areas can change your quote. This is true in Ipswich, too. Here is how prices usually look around Ipswich:

Postcode Area Typical Annual Premium
IP1 £725
IP2 £715
IP3 £705
IP4 £700
IP5 £690

Quotes from Free Price Compare are right as of 15 May 2025.

What Types of Insurance Cover Are Available?

Ipswich drivers have a few types of insurance cover they can pick from. It all depends on what they need and how much money they want to spend.

  • Third party – This is the lowest level of cover you can have. It pays for damage that you cause to other people’s things or cars. It does not pay for your own car.
  • Third party, fire and theft – This includes all the third party cover above, and also pays out if your car is stolen or if it is damaged by fire.
  • Comprehensive cover – This has all of the above. It also includes repairs to your own car, no matter who caused the damage.

You can also add optional extras like:

  • Breakdown cover – You get help any time, day or night, if your car breaks down on the road.
  • Legal cover – This pays for a solicitor and legal costs if you need it.
  • Uninsured driver protection – If an uninsured driver damages your car, this can help you get your money back.
  • Courtesy car – You get a car to use while yours is being fixed.
  • Child car seat cover – If you are in an accident, your child's car seat will be replaced, even if it looks fine.
  • Personal accident cover – You get money to help out if you or your family are badly hurt.
  • Excess protection – You get your excess money back if you need to make a claim.
What Types of Insurance Cover Are Available

What Affects the Cost of Car Insurance in Ipswich?

The price you pay for car insurance in Ipswich depends on things like your age, where you live, your car, and your past driving records. Some things will make the premium go up, for example:

  • Driving offences or points on your licence
  • Previous accidents or losing your claims discount
  • Picking a car that is worth more money or has costly tyres and parts
  • Adding a named driver who does not have much experience
  • Choosing a small amount of excess

Your first quote does not always have extras, but if you check and change your cover, you may get more value over time. This is really helpful when you plan ahead for your renewal quote.

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Young Driver Car Insurance in Ipswich

Young drivers often have to pay higher car insurance because they do not have much experience and are seen as more risky. But, if you pick a car from a lower insurance group, it can help make the costs easier to handle.

Car Model Typical Premium (Age 20, IP3)
Toyota Aygo (2021) £1,780
Ford Fiesta (2018) £1,760
Peugeot 108 (2020) £1,755

Quotes from Free Price Compare be right as of 15 May 2025.

Ways to Reduce Premiums as a Young Driver:

  • Pick a black box policy
  • Keep your yearly miles low
  • Do not make any changes to your car
  • Park your car off the street or in a garage
  • Grow your claims discount as time goes by
Do You Need Business or Van Insurance in Ipswich

Do You Need Business or Van Insurance in Ipswich?

If you use a vehicle to do deliveries, see clients, or carry tools, you need to have van insurance or business insurance. This is not the same as the normal cover for just getting to work or driving for personal use. You must tell your insurer about this use. If you do not do this, your insurance policy could be void.

Who Regulates Ipswich Insurance Providers?

All insurance companies in the UK need to be approved by the Financial Conduct Authority (FCA). This helps make sure your policy is given in a fair way. It also keeps your insurance account safe. You always get clear papers and prices. If your policy is set up with an introducer or through insurance brokers, they also have to follow FCA rules.

If you want to check for credentials, you should look for BIBA (British Insurance Brokers' Association) membership. Most good insurance professionals and insurance brokers in Ipswich will be BIBA members.

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How to Compare Ipswich Car Insurance Quotes Online

Comparing quotes online is the best way to get the most correct prices and see what each policy has to offer. Here is what you have to do:

  1. Enter your registration number, postcode, and licence details.
  2. Pick the insurance cover you want and add any optional extras.
  3. Compare quotes from different insurers, including AXA and other top-rated providers.
  4. Check over the details, like admin fees, whether you get a courtesy car, and excess terms.
  5. Pick the policy that is good for your needs and get your documents right away.

FAQs About Ipswich Car Insurance

No, the cost of insurance in Ipswich is lower than that of the UK average. But your own price will depend on your personal risk and situation.

Yes. Some comprehensive cover policies come with hire car protection. This can be a normal part of the policy or be something you add on.

This extra cover is there to help you if you get into an accident with an uninsured driver. It helps protect your no-claims bonus and also pays for repairs.

It is not needed, but it can be good to have after a car accident that leads to legal action or an injury claim.

Some insurance providers have multi-product plans. These plans may bring together van insurance, breakdown, and business insurance. This can make things easier for you and may help save money.

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Page last updated on: 17/07/2025

Page reviewed by: Shay Ramani

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