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If you need car insurance in Southampton, it's important to get the right coverage for a good price. Whether you are driving in Bitterne, Shirley, or Portswood, having insurance is necessary. The prices in the SO postcodes are usually higher than average. However, using a comparison tool can help you find affordable car insurance from trusted companies.

Why Is Car Insurance More Expensive in Southampton?

Southampton is a large port city located in the Southeast. The city has busy roads, a lot of ferry traffic, and many people commuting. These factors can lead to more theft, vandalism, and accidents. Because of this, insurance rates may rise.

Region: South East England
Postcodes Covered: SO14, SO15, SO16, SO17, SO18, SO19, SO40,BN, GU, HP, ME, MK, OX, PO, RG, RH, SL, SO, TN, KT, TW
Average Premium: £745
National Average: £561

Factor Southampton Avg National Avg
Annual Premium £745 £561
Monthly Payments £69/month £53/month
Young Driver (age 20) £1,980 £1,865
Over 50s Driver £460 £412

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

What Cover Types Are Available in Southampton?

Choosing the right car insurance policy is based on how you use your car. It also relies on what you want to protect.

  • Third Party – This type covers the damage you cause to other people. It is required by law.
  • Third Party, Fire & Theft – This option gives you extra protection if someone steals your car or if it catches fire.
  • Comprehensive – This insurance covers your car in case you have an accident.
  • Short term car insurance – This is perfect for short trips or for temporary use.
  • Electric car insurance – This is for EV owners. It provides cover for charging and batteries.
  • Business car insurance – This is for people who drive for work, not just for commuting.
  • Van insurance – This is for delivery drivers and tradespeople in Southampton.

What Optional Extras Are Worth Considering in Southampton?

Extras can increase your insurance costs. However, they may also provide you with more peace of mind.

  • Breakdown cover – Get help when you have trouble on the road.
  • Legal protection – Assistance with legal fees after an accident.
  • Uninsured driver cover – Protection if someone without insurance hits you.
  • Personal accident cover – Compensation for serious injuries you may have.
  • Windscreen cover – Repairs or replacements for damage to your windshield.
  • Courtesy car – A temporary car while yours is being repaired.
  • Online claims service – Report claims quickly using your online account.
What Optional Extras Are Worth Considering in Southampton

How Can Young Drivers in Southampton Save on Car Insurance?

Young drivers in Southampton usually pay a lot for insurance. This is especially true in the SO14 or SO16 areas. But there are ways to reduce these costs:

  • Choose a car from a low insurance group, such as a Vauxhall Corsa or Peugeot 208.
  • List a parent or an experienced driver as a named driver.
  • Consider a black box insurance policy that rewards safe driving.
  • Always park your car in a driveway or a safe location.
  • Avoid making any changes to the car.
Car Model Typical Premium (Age 20, SO14)
Vauxhall Corsa (2020) £1,950
Ford Fiesta (2019) £1,970
Hyundai i10 (2021) £1,935

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

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Which Southampton Postcodes Are Most Expensive?

Where you live has a big impact on how much you pay.

Area Typical Annual Premium
SO14 (City Centre) £760
SO15 (Shirley) £735
SO16 (Bassett) £740
SO19 (Sholing) £710

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

Living close to the city centre or busy roads can mean paying more. This is due to the high traffic and associated issues.

When Should You Compare Southampton Car Insurance

When Should You Compare Southampton Car Insurance?

Many drivers change their insurance policy around December 1st or March 31st. This is when UK plate registrations take place.

  • Start checking prices 3 to 4 weeks before your renewal.
  • Review your personal details, how you use your car, and any extra options.
  • Check your quote from your current insurance provider.
  • Do not let your policy renew automatically if you want to find the best price.

Get Southampton Car Insurance Quotes Now!

Looking at different policies is simple, and it can help you keep some cash. Here’s what you do:

  • Fill in your personal details and your vehicle information.
  • Include details about your current insurance.
  • Check quotes from FCA-approved insurers.
  • Choose the right coverage with confidence.

FAQs About Southampton Car Insurance

Southampton has a busy port and a lot of traffic in the city centre. Many people live there, too. Due to this, the average cost of insurance is about £745. This amount is much higher than the average in the UK.

Comprehensive insurance gives the best safety for your vehicle. If you want to save money, you can look into third party, fire, and theft coverage. This choice gives you some protection without costing too much.

Many insurance companies offer online accounts now. You can use these accounts to check your policy. You can also make updates and access the claims service online.

All providers listed on Free Price Compare are approved by the Financial Conduct Authority (FCA). This means you can feel confident that your information and policy are secure.

Many insurance companies offer policies for work use, delivery driving, or van insurance. It is important to explain how you will use the vehicle when you request a quote.

To get a better deal, you should compare quotes from different insurance providers. Take time to review your current insurance policy. Ensure you add only the optional extras that you really need. You can lower your premium by paying yearly instead of monthly. Another way to save money is by increasing your voluntary excess if you can afford it.

There are several types of car insurance. The most basic is third party insurance. This cover is the minimum you need by law. Next is third party, fire, and theft insurance. This option offers more protection. Finally, comprehensive insurance covers your vehicle fully. Each type has different levels of protection and prices based on what you want.

Yes, several insurance companies in Southampton offer black box insurance for young or high-risk drivers. This kind of insurance can help reduce your costs. It does this by using telematics technology to monitor safe driving habits in your car.

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Page last updated on: 15/07/2025

Page reviewed by: Shay Ramani

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