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Getting a car insurance policy in Plymouth is simpler than you might expect. If you commute in Mannamead, study in PL4, or have a family in Plympton, comparing quotes can help you find the lowest price and the best coverage for your needs.

Average Cost of Car Insurance in Plymouth

Plymouth is in the South West region. Generally, this area has lower car insurance costs compared to bigger cities. But, the price you pay for car insurance will depend on personal details like how you use your vehicle, your age, and your postcode.

Region: South West England
Postcodes Covered: BA, BH, BS, DT, EX, GL, PL, SN, SP, TA, TQ, TR
Average Premium: £589
National Average: £561

Factor Plymouth Avg National Avg
Annual Premium £589 £561
Monthly Payments £54/month £53/month
Young Driver (age 20) £1,865 £1,865
Over 50s Driver £410 £412

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

What Types of Car Insurance Are Available in Plymouth?

You need to have at least third-party insurance to drive legally in the UK. In Plymouth, people usually choose these types of policies:

  • Third-party only – This type covers damage to other people's vehicles, but not yours.
  • Third-party, fire and theft – This option adds coverage for damage from fire and theft.
  • Comprehensive cover – This plan protects your vehicle too, even if you have an accident.

You can also choose:

  • Temporary car insurance – Perfect for short trips or occasional driving.
  • Black box insurance – Monitor your driving style to get lower fees.
  • Classic car insurance – Designed for older and valuable cars.
  • Electric car insurance – Special coverage for electric and hybrid vehicles.
  • Business use cover – Choose this option if you drive for work reasons.

What Affects the Cost of Your Insurance?

Your insurance premium in Plymouth is affected by several factors:

  • Your age – Young drivers often pay higher rates.
  • Where you live – Insurance costs can change based on your postcode in PL.
  • Car value and type – Expensive or modified cars are more costly to insure.
  • Mileage – Driving more miles raises the risk of accidents.
  • Claim history – Having fewer claims usually means lower costs.
  • How you pay – Paying annually is often cheaper than using premium finance.
  • Cover level – Comprehensive policies are pricier but give more protection.
  • Optional extras – Add-ons like legal protection or a courtesy car can raise your premium.

All providers listed on Free Price Compare are monitored by the Financial Conduct Authority. In addition, many of them are also supervised by the Prudential Regulation Authority.

What Affects the Cost of Your Insurance

What Do Young Drivers in Plymouth Need to Know?

Plymouth has many students and young adults living there. Drivers who are under 25 often pay higher rates. This is because they have limited experience and make more claims.

How to Get a Better Deal:

  • Pick a smaller, safer car that does not need changes.
  • Find policies that offer black box insurance.
  • Park in a safe place or a garage.
  • Take an advanced driving course to show you drive safely.
  • Skip paying for optional extras that you do not need.
Car Model Typical Premium (Age 20, PL4)
Toyota Aygo (2021) £2,050
Ford Fiesta (2018) £2,070
Peugeot 108 (2020) £2,030

Quotes from Free Price Compare are correct as of May 14, 2025.

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Plymouth Postcode Premium Comparison

The cost of your premium depends on where you live. Here is a comparison of different Plymouth postcodes:

Area Typical Annual Premium
PL1 (City Centre) £595
PL2 (Keyham) £580
PL3 (Mannamead) £565
PL5 (St Budeaux) £585

Quotes from Free Price Compare are correct as of May 14, 2025.

When Should You Review Your Insurance

When Should You Review Your Insurance?

Many drivers buy or update their car insurance when their vehicle plates change in March and September. This means the 1st of December and 31st of March are popular dates for renewing insurance.

Tips to save:

  • Look for quotes 3 to 4 weeks before your renewal date.
  • Get rid of any add-ons that you don’t need.
  • Update your personal information and how you use your car to get a precise quote.
  • Don’t just auto-renew with your current insurance company.
  • Use a comparison tool to find good cost savings.

How to Lower the Cost of Your Car Insurance in Plymouth

  • Pay your premium all at once instead of every month.
  • If you can afford it, choose a higher voluntary excess.
  • Keep your driving record clean and avoid claims that are not necessary.
  • If you don’t need them, think about removing optional extras like legal cover.
  • Compare prices by using Free Price Compare or reliable partners like Clean Green Compare.
  • Pick the type of policy that suits your vehicle and driving style.
  • Look to see if you qualify for discounts for new customers.

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Get Plymouth Car Insurance Quotes Now!

To get started, follow these easy steps:

  • Fill in your personal details and registration number.
  • Provide information about your vehicle and its usage.
  • Include details of your insurance policy or any past claims.
  • Compare policies and prices from our list of FCA-regulated insurers.
  • Pick the best insurance policy that meets your needs at the lowest price.

FAQs About Plymouth Car Insurance

Yes. Even drivers who drive only sometimes must have the legal requirement for at least third-party cover in the UK.

Yes. Some providers give bundle deals, especially for new customers. These deals may include both home insurance and car cover.

Yes, temporary car insurance is perfect when you need to borrow a car or drive for a short time.

Yes. Insurers might ask about past claims. However, many provide fair prices for drivers who are experienced or have not made a claim recently.

No. Legal protection is usually something extra. Be sure to include it if you want support with costs after an accident or problem.

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Page last updated on: 15/07/2025

Page reviewed by: Shay Ramani

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