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Finding car insurance in Northampton is easy. No matter if you live close to Abington Park or travel on the A45, there are insurance providers available. They offer competitive car insurance policies for all drivers. Whether you need classic car insurance or black box cover, comparing options helps you get the lowest price and the right insurance cover for your individual circumstances.

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

Car insurance rates in Northampton are usually cheaper than the national average in the UK. This is because there is not much traffic and fewer thefts in the area. Still, the cost of your insurance premium can change depending on your postcode, the type of vehicle you have, and your individual circumstances.

Region: East Midlands
Postcodes Covered: NN1, NN2, NN3, NN4, NN5, NN6, NN7
Average Premium: £660
National Average: £834

Factor Northampton Avg UK National Avg
Annual Premium £660 £834
Monthly Payments £55/month £69.50/month
Young Driver (age 20) £1,800 £2,000
Over 50s Driver £500 £600

Quotes from Free Price Compare and the national average using ABI data. This information is correct as of the first quarter of 2024.

Northampton Car Insurance by Postcode

Your postcode plays a big role in the cost of your insurance. Areas with a lot of traffic, like central locations, usually have higher premiums. On the other hand, rural or quieter areas can lead to lower costs.

Area Typical Annual Premium
NN1 £670
NN2 £665
NN3 £660
NN4 £655
NN5 £650
NN6 £645
NN7 £640

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

What Types of Car Insurance Are Available in Northampton?

Northampton drivers can pick from several insurance cover options. This depends on the level of coverage they need.

  • Third Party Only – This meets the legal basics. It covers other vehicles but not yours.
  • Third Party, Fire and Theft – This gives extra protection. It covers fire damage or theft of your vehicle.
  • Comprehensive cover – This provides complete protection. It includes your vehicle, even if you are at fault in the event of a claim.

Other options include:

  • Black box insurance is for young drivers.
  • Classic car insurance is for older or valuable vehicles.
  • Telematics policies give discounts for good driving.
  • Learner driver insurance is for practice on a temporary basis.
  • Van insurance is needed if you drive a commercial or dual-use vehicle.
  • Temporary or multi-car insurance depends on your needs.
What Types of Car Insurance Are Available in Northampton

What Affects the Cost of Your Insurance Premium in Northampton?

Many things affect the cost of your insurance premium:

  • Your vehicle: Cars that are in higher insurance groups usually cost more to insure.
  • Your postcode: Living in areas with more thefts or accidents can raise your premiums.
  • Your excess: Picking a higher voluntary excess can lower your premium.
  • Your history: Having claims or points on your licence can change the cost of your policy.
  • How you pay: Paying with a monthly direct debit can help spread out the cost, but it might include interest.
  • Optional extras: Extras like breakdown cover or legal protection can make your insurance cost more.

Your current insurance supplier might affect your quote. This depends on how they price their policies and your past claims history.

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Optional Extras for Northampton Drivers

To help you feel more at ease, insurance providers have optional extras. You can usually find these in certain sections of the website or in quote forms.

  • Breakdown cover – Get roadside assistance all over the UK.
  • Legal protection – Helps pay for legal costs after an accident.
  • Hire car access – A temporary car for when yours is being fixed.
  • Uninsured driver protection – Ensures your no claims stay intact and your excess is waived.
  • Cover for belongings – A good option if you store valuables in your vehicle.
  • New windscreen replacement – Perfect for drivers with older cars.
  • Protected no claims bonus – Keep your discount even if you file a claim.

Always see what exclusions are important. Make sure the coverage you choose fits your needs.

Advice for Young Drivers in Northampton

Younger drivers usually pay higher rates because they have less experience. Insurance brokers are now providing more help for these drivers. They are using black box and telematics technology to offer better support.

Car Model Typical Premium (Age 20, NN3)
Toyota Aygo (2021) £1,950
Ford Fiesta (2018) £1,965
Peugeot 108 (2020) £1,935

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

Tips to lower your premium:

  • Pick a car that has low insurance costs.
  • Consider using telematics or black box insurance.
  • Stay away from making changes to the car.
  • Work on increasing your no claims bonus.
  • Keep your car in a safe place to lower the risk of theft.
  • If you can, pay for your insurance yearly.
How Are Insurers in Northampton Regulated

How Are Insurers in Northampton Regulated?

All the insurers shown on Free Price Compare are approved by the Financial Conduct Authority (FCA). This means:

  • Good prices for your insurance policies
  • Open terms in your car insurance policy
  • Safety for your personal information
  • Simple steps in the event of a claim

Insurance companies and brokers need to communicate clearly and provide support. Many of them now offer online tools and websites. These help customers with self-service, renewing their policies, or adding optional extras.

Get Northampton Car Insurance Quotes Now!

To have the best user experience and find the cheapest price:

  • Go to the car insurance section of the website.
  • Fill in your personal information and vehicle details.
  • Add details about your current insurance supplier.
  • Compare quotes for different coverage levels and optional extras.

You will get live quotes from reliable insurance providers. These quotes are tailored to your postcode and your individual circumstances.

FAQs About Northampton Car Insurance

Drivers in Northamptonshire usually have lower insurance costs. This is because the area has fewer accidents and claims compared to places like London.

Using a broker or a comparison site lets you see insurance policies next to each other. This saves you time. It also helps you find important cost savings.

three weeks beforeyour renewal is due. This will help you get a good deal and save you some money.

Compare prices and look at what is not covered. Try to stay away from extra features you don't need. If you are a young driver, consider using black box policies.

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Page last updated on: 16/07/2025

Page reviewed by: Shay Ramani

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