Compare Sunderland Car Insurance

  • Save up to £515* on your car insurance
  • 97% of reviewers recommend Free Price Compare
  • Compare car insurance quotes from 120+ insurers
  • Find personalised coverage from trusted insurers in Sunderland
GB
Retrieve Quotes

Don’t have your registration number? No problem, click here.

Tip: Some insurers offer discounts for low annual mileage. Consider this if you don't drive often.

4000+ reviews

We compare car insurance quotes from 120+ companies...

Wide variety of insurance options available to help you find a suitable policy

Happy Customers

We've served thousands of policies to
thousands of happy customers.

Price Comparison Market

10+ years experience in
the Price Comparison Market.

Car Insurance Companies

We'll display quotes from
120+ car insurance companies.

Are you looking for affordable car insurance in Sunderland? If you live in Fulwell, Pallion, or Roker, choosing the right insurance policy can help protect your car and save you money. Prices in the SR postcode area are usually higher than in other parts of the UK. But if you compare different options, you might discover representative cost savings.

Driving in Sunderland and What to Consider

Sunderland has many types of roads. These include coastal routes, A-roads, and busy streets in the town centre. However, these roads can create risks. There can be collisions, windscreen damage, and theft. This is more common during busy travel times or in bad weather.

Drivers in Sunderland often need:

  • Breakdown cover for country roads and long trips.
  • A courtesy car is available if you make a claim.
  • Coverage is provided for young drivers and families with new drivers.
  • Uninsured driver protection is there to assist if someone else isn’t covered.
  • Options for business insurance are available if you drive for work.
  • You can find short-term plans, like day driveaway car insurance, for one-time needs.

Why Compare Car Insurance in Sunderland?

Sunderland is in North East England. Here, insurance costs tend to be higher than the national average. However, quotes can vary greatly between the SR1 to SR6 postal codes. They can also be different when it comes to the various types of coverage.

Region: North East England
Postcodes Covered: DH, DL, NE, SR, TS, TD, CA
Average Premium: £717
National Average: £561

Factor Sunderland Avg National Avg
Annual Premium £717 £561
Monthly Payments £66/month £53/month
Young Driver (age 20) £1,920 £1,865
Over 50s Driver £430 £412

Quotes from Free Price Compare and the national average from ABI. This data is correct as of the first three months of 2024.

Why comparing helps:

  • The amount on your renewal quote could be more than what new insurance providers offer.
  • You can benefit from extra value through additional protection, such as excess protection or key replacement.
  • Some insurers only show their best prices through FCA-approved comparison tools.

What Affects the Cost of Your Premium?

Every quote relies on your personal details, your car, and how you use it. Here are some important factors:

  • Postcode – Some postcodes in Sunderland have more claims for car insurance.
  • Vehicle type – High-value cars, like BMWs, may need BMW car insurance or cover from BMW Financial Services.
  • Driving history – Taking an advanced driving course can lower your risk.
  • Type of cover – A fully comprehensive monthly subscription policy could save you money over time.
  • No-claims discount – A claim-free history can lower your premium.
  • Optional extras – Adding extras like windscreen, legal, or courtesy car options will increase your costs.
  • Higher voluntary excess – A higher excess may reduce your quote, but you will pay more out-of-pocket if you make a claim.
  • Use of vehicle – You need business insurance if you drive between job sites.
  • Form submission – Mistakes on your form submission can cause policy issues or rejection.
What Affects the Cost of Your Premium

Young Drivers and Car Insurance in Sunderland

Young drivers usually pay very high rates for car insurance. This is true even in safer places like Seaburn or Grindon.

How to lower your quote:

  • Use black box insurance to monitor and reward safe driving.
  • Choose a car from a lower category, like a Ford Fiesta or Hyundai i10.
  • Include a parent or skilled driver in your policy.
  • Park your car in a garage or private driveway.
  • Avoid any changes that may boost repair costs.
Car Model Typical Premium (Age 20, SR5)
Ford Fiesta (2018) £1,910
Peugeot 208 (2020) £1,880
Hyundai i10 (2021) £1,940

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

Postcode Comparison in Sunderland

Your postcode matters a lot when it comes to how much you need to pay.

Area Typical Annual Premium
SR1 (City Centre) £725
SR2 (Ashbrooke) £710
SR5 (Castletown) £705
SR6 (Seaburn) £690

Premiums can vary by over £100 depending on just a few miles. This is especially the case when insurance companies examine how frequently claims are filed in different locations.

Get Quotes

Temporary, Classic, and Business Cover in Sunderland

Sunderland drivers want insurance that fits their lifestyle. Here are some choices:

  • Business insurance is for engineers, salespeople, and tradespeople.
  • Classic car insurance covers cars that are used for fun or as hobbies.
  • Home insurance policy add-ons give extra protection in one plan.
  • Short-term cover has options like day driveaway car insurance.
  • Bundled offers include a free comprehensive policy for test drives or new vehicles.
Policy Type Typical Premium
Classic Car Insurance £425/year
Business Car Insurance £970/year
Temporary 7-Day Cover £72

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

Over 50s and Renewal Tips

Over 50s and Renewal Tips

Older drivers in Sunderland often pay lower insurance rates. If you are over 50 and have a clean driving history, you may also get better rates.

  • You may find better insurance quotes from more FCA-regulated providers.
  • Many policies come with extras for peace of mind, like courtesy cars and uninsured driver protection.
  • Coverage for legal needs can provide you with advice and help from a solicitor if necessary.
  • Bundled deals are often better than single types of policy.

When to Review Your Insurance

Most insurance policies are valid for 12 months. Many people renew their policies around December 1st or March 31st because number plates change in March and September.

  • Start comparing 3 to 4 weeks before your renewal date.
  • Review your personal information, the type of cover, and any extra options you may want.
  • Look for better rates on car insurance quotes from new insurers, not just your current one.
  • The cheapest price often goes to drivers who prepare ahead.

Get Quotes

What Could Make Your Policy Invalid?

Some common mistakes can void your car insurance policy. Be careful not to:

  • Remember to update your licence or driving status.
  • Avoid giving false personal details or leaving out previous claims.
  • Make sure to pay your premium finance plans on time.
  • Do not use your car for business without the right type of policy.
  • Do not allow an uninsured driver to use your car.

Always read your policy documents. If anything changes, talk to your insurer.

FAQs About Car Insurance in Sunderland

The average annual premium is about £717. This is higher than the UK average of £561. Your quote may be different based on your postcode, the car you drive, and your driving record.

Many drivers like to have fully comprehensive coverage. This type of coverage protects their own car and also pays for claims made by others. A monthly subscription plan can help them manage the costs better.

Yes. It can help young drivers save money by proving they have good driving habits over time. Insurance companies might offer lower rates after the first renewal.

Some insurance companies offer bundle deals that include your home insurance policy. This can help you save money. It also keeps everything organised in one place.

No, but all the providers on Free Price Compare have approval from the Financial Conduct Authority. Choosing an FCA-regulated insurer gives you better safety.

Car Insurance Comparison

Convictions Car Insurance Comparison

Car Insurance Provider

Car Insurance Guides

Page last updated on: 15/07/2025

Page reviewed by: Shay Ramani

4000+ reviews