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If you are a new driver in Southsea or a commuter near the M275, having the right car insurance policy is key. It will protect you financially and ensure you stay legal on the road. There are several insurance providers and coverage options available. By comparing these options, you can be sure you won't pay too much.

What’s the Average Car Insurance Premium in Portsmouth?

Portsmouth is in the South East of England. In this area, insurance costs are a little higher than the UK average. Your insurance premium can vary. Factors include your postcode, the age of your car, and your driving history.

Region: South East England
Postcodes Covered: BN, GU, HP, ME, MK, OX, PO, RG, RH, SL, SO, TN, KT, TW
Average Premium: £738
National Average: £561

Factor Portsmouth Avg National Avg
Annual Premium £738 £561
Monthly Payments £67/month £53/month
Young Driver (age 20) £2,010 £1,865
Over 50s Driver £470 £412

Quotes given on Free Price Compare and the national average provided by ABI. This information is correct as of the beginning of 2024.

What Are the Different Types of Car Insurance in Portsmouth?

Depending on how you use your car and what your situation is, there are three main types of car insurance coverage you can choose from:

  • Third party car insurance – This is the basic requirement by law. It pays for damage to other people and their property, but it does not cover your own car.
  • Third party fire and theft – This covers theft or fire damage to your own car.
  • Comprehensive cover – This provides the best protection. It covers damage to your car even in the event of an accident that is your fault.

Other options include:

  • Temporary car insurance – This is ideal if you need coverage for a few days or weeks.
  • Black box insurance – A device tracks how safely you drive. This is good for new drivers.
  • Classic car cover – This protects older cars that are used for fun, not for daily use.
  • Electric car insurance – Specifically for electric vehicles, it includes charging stations and battery issues.

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What Affects the Cost of Your Insurance in Portsmouth?

Each insurance provider uses different things to set your insurance premium. Here are some main points:

  • Age and experience – Young drivers or those who are new to driving often pay more for the cost of your insurance.
  • Type of vehicle – Cars with expensive parts or many modifications usually lead to higher insurance costs.
  • Previous claims – A record of not making many claims can help you get cheaper insurance premiums.
  • Mileage – Driving fewer miles each year can lower your premium.
  • Excess – Choosing a higher voluntary excess might give you a lower quote.
  • Car usage – If you use your car for business, you will need special coverage.
  • Storage – Keeping your car in a garage or on a private drive can lower the cost of your insurance.
What Affects the Cost of Your Insurance in Portsmouth

What Optional Extras Are Worth Considering?

Many insurance services let you make a policy that suits your lifestyle. Here are some common optional extras:

Add-On What It Covers
Breakdown cover Roadside help anywhere in the UK
Legal protection Helps with legal costs after a road dispute
Excess protection Refunds your excess if you need to make a claim
Courtesy car Offers a hire car while yours is being repaired
Windscreen cover Repairs or replaces damaged windscreens
Uninsured driver protection Covers you in the event of an accident with an uninsured driver
Personal accident cover Compensation for serious injuries
Child car seat cover Replaces seats after a crash, even without visible damage
Key cover Replaces lost or stolen keys and covers locksmith fees

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How to Save on Portsmouth Car Insurance

How to Save on Portsmouth Car Insurance

Use these tips to find the best policy for the cheapest price:

  • Use a good comparison tool to check quotes from several FCA-regulated providers.
  • Look for discounts for new customers or for those switching from their own insurance company.
  • Skip any add-ons that do not really add value.
  • Pay your premium once a year to avoid interest from monthly payments.
  • Keep your licence clean and avoid changes that are not necessary.
  • Consider getting black box insurance to show your safe driving habits.
  • Try to limit your mileage and park in safe areas whenever possible.

Get Portsmouth Car Insurance Quotes Now!

When you compare policies, you find the best value. Here’s how to get started:

  • Share your personal details, like your age and postcode.
  • Provide information about your vehicle and insurance policy.
  • Fill out a quick form submission using our quote system.
  • Get quotes from top insurance companies in just a few minutes.
  • Choose from various policies that offer representative cost savings based on your profile.

Correct as of 14/05/2025

FAQs About Portsmouth Car Insurance

A black box insurance policy with comprehensive cover is a good option for new drivers. It can help reduce your premiums over time if you drive safely.

Yes, many insurance companies charge more if you have modified cars. You must declare all modifications when you fill out your form submission.

If you drive your car for work more than normal, then yes. You need to add business use to your car insurance policy. This can help avoid issues in the event of an accident.

Not all policies include it. Many provide it as an extra option. Be sure to look over your insurance quotations carefully before you decide.

Choose a policy that offers claims discount protection. This means you can make one claim each policy year without losing your claims bonus.

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Page last updated on: 15/07/2025

Page reviewed by: Shay Ramani

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