Compare Middlesbrough Car Insurance

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Getting car insurance in Middlesbrough isn’t only about finding the cheapest price. You need a policy that fits your specific needs. You might want comprehensive cover, third party insurance, or short term car insurance. To get the right cover at the right price, the best way is to compare policies from UK insurers.

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

Drivers in Middlesbrough often pay less for insurance compared to the UK average. This is mainly due to having less traffic than larger cities like London or Manchester. However, factors such as theft rates and local accident data can still affect insurance costs.

Region: North East England
Postcodes Covered: DH, DL, NE, SR, TS, TD, CA
Average Premium: £470
National Average: £834

North East England has many postcodes, such as DH, DL, NE, SR, TS, TD, and CA. The average price here is £470. This is lower than the national average, which stands at £834.

Factor Middlesbrough Avg UK National Avg
Annual Premium £470 £834
Monthly Payments £39/month £69.50/month
Young Driver (age 20) £1,226 £2,000
Over 50s Driver £243 £600

Quotes from Free Price Compare and the national average from ABI data. This information is accurate as of the first part of 2024.

Middlesbrough Car Insurance by Postcode

Premiums can vary even within the same town. Here’s how the different TS postcodes compare:

Area Typical Annual Premium
TS1 £656
TS2 £650
TS3 £645
TS4 £640
TS5 £635
TS6 £630
TS7 £625
TS8 £620
TS9 £615

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

What Type of Car Insurance Policies Are Available?

UK law requires drivers to have a minimum amount of coverage. Most drivers meet this requirement by using third party insurance. However, many people in Middlesbrough like to choose other types of coverage for added protection.

  • Third Party Only – This protects against damage to other people's property or injuries.
  • Third Party, Fire and Theft – This gives extra safety for fire and theft.
  • Comprehensive cover – This also protects your vehicle, even if you cause a car accident.

Other options include:

  • Young driver car insurance – This often includes black box tracking.
  • Short term car insurance – Great for when you need to borrow a car or use one for a short time.
  • Multi-car or family cover – You can combine several policies to save money.
  • Business insurance – This is for vehicles used for work and not just commuting.
  • Breakdown cover – This can be standalone or added to your main policy.
  • Optional extras – You can add things like legal cover, a courtesy car, personal belongings, and more.
What Type of Car Insurance Policies Are Available

What Affects Car Insurance Costs in Middlesbrough?

The price you pay for your car insurance premium depends on several personal and local factors.

  • Postcode risk rating – Areas with many claims or thefts, like TS1, can raise insurance costs.
  • Level of cover – Comprehensive policies are often more costly than basic third party options.
  • Your vehicle – Expensive or high-performance cars can lead to higher insurance rates.
  • Your history – A good driving record and no recent claims can help you get a claims discount.
  • Your excess – A higher excess may reduce your monthly payments.
  • Optional extras – Adding things like breakdown cover will increase your total premium.

The amount of coverage you need is also important. If you choose more features and higher liability limits, your insurance premium will go up. But this means you can feel more secure and at ease.

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Advice for Young Drivers in Middlesbrough

Younger drivers usually have to pay more for insurance. This is because they don't have much experience. However, insurance companies do offer special discounts for those who work to reduce their risk.

Car Model Typical Premium (Age 20, TS3)
Toyota Aygo (2021) £1,950
Ford Fiesta (2018) £1,965
Peugeot 108 (2020) £1,935

The quotes from Free Price Compare are accurate as of May 15, 2025.

Ways to reduce the cost:

  • Use a black box policy to demonstrate your safe driving habits.
  • Choose a car with a lower insurance group.
  • Build a no-claims bonus by driving carefully.
  • Pay for your car insurance yearly if you can.
  • Review cheap car insurance quotes every year.

Even tiny changes can make a huge difference to your premium.

Optional Extras from Insurance Companies

These are the common optional extras you can add to your car insurance cover in Middlesbrough:

Optional Extras from Insurance Companies
  • Breakdown cover – Helps you if your car breaks down
  • Legal cover – Pays your legal costs after a car accident
  • Uninsured driver protection – Protects your no-claims bonus if someone without insurance damages your car
  • Courtesy car – A temporary car while your car is being repaired
  • New windscreen cover – Fixes or changes cracked glass in your car
  • Key cover – Helps if you lose or have your car keys stolen
  • Personal belongings – Safeguards items left in your car

Review your current insurance supplier. Look to see if they provide any of these options. You might also discover ways to adjust the plan to fit your needs.

Are Middlesbrough Insurers Regulated?

Yes. All the insurers listed on Free Price Compare are overseen by the Financial Conduct Authority (FCA). This ensures:

  • Be honest about the level of cover you offer.
  • Give clear documentation for all insurance policies.
  • Provide help with complaints or claims.
  • Make sure data protection meets UK law.

Insurance brokers, insurance providers, and comparison tools must follow strict rules. This means that whether you are with Admiral, Hastings, or another insurance company, you can feel secure.

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Get Middlesbrough Car Insurance Quotes Now!

  1. Enter your registration number.
  2. Share your licence details and driving history.
  3. Get a quick online quote.
  4. Compare policies from trusted UK insurers.
  5. Choose the right price and amount of coverage that fits your needs.

This helps you find cheap car insurance while still receiving the highest level of cover.

FAQs About Middlesbrough Car Insurance

Middlesbrough has some of the cheapest car insurance prices in England. Still, these rates may vary based on your personal details and your postcode.

Many drivers switch their insurance before they receive their renewal quote. They do this to search for better deals.

Third party is the lowest amount of coverage available. But sometimes, comprehensive cover costs just a little bit more. It also offers better protection.

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Page last updated on: 16/07/2025

Page reviewed by: Shay Ramani

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