A stellar year for Moneyfacts Car Insurance Star Ratings 2026

Moneyfacts is pleased to announce the Moneyfacts Annual Star Ratings 2026 for the Car Insurance arena.

• This year, 84 products were awarded a Five-Star, 34 a Four-Star Rating and 46 a Three-Star Rating.
• For 2026 the number of products in the market has expanded slightly, rising from 212 to 218.
• More than 80 fields of information per individual product were collected for assessment.

The products awarded Five-, Four- or Three-Star Ratings offer the most comprehensive range of standout features and competitive charges, which set them apart from the rest of the market.

Moneyfacts has been analysing data for more than 35 years, with the instantly recognisable Moneyfacts badge of quality helping inform consumers when comparing Car Insurance products.

Nine out of 10 people agree that a Star Rating from an independent and impartial company could influence their decision in considering taking out a Financial Services product.* (*Source: Moneyfacts Group Plc, Financial Services online consumer survey 2/25).

FOR THE FULL LIST OF 2026 AWARDED PRODUCTS – PLEASE CLICK HERE

Samantha Owens, Star Ratings & Personal Finance Analytics Manager at Moneyfacts, said:

“Insuring a car each year is an expense the consumer cannot avoid; however, the Moneyfacts Annual Car Insurance Star Ratings aim to help the consumer find the most complete products for their budget.

“By assessing the range of features and limits on current market policies, the highest ratings highlight the most competitive policies. This then allows the consumer to filter down on their specific needs, giving them the best chance to find a suitable policy which can be invaluable should they ever need to make a claim.”

Numerous features are considered when assessing the ratings, and some of these include:

Car Insurance

• Compulsory excess
• Voluntary excess discount
• Multi-car discount
• No claims discount
• No claims discount protection
• Uninsured driver cover
• Telematics
• Courtesy car
• New car replacement
• Transport from accident
• Loss/theft of keys
• Driving other cars
• Personal accident
• Legal assistance
• Breakdown cover
• Audio equipment cover
• Personal belongings
• Sat nav cover
• Medical expenses limit
• Repair guarantee
• Misfuelling cover
• Foreign usage availability and limits
• Windscreen cover
• Child seat cover
• Vandalism cover
• Set-up fees

Image provided by Canva

Alicia Ward