Comprehensive car insurance premiums fell by 1% (£6) during the last three months1 with UK motorists now paying £713 on average, according to the latest Confused.com Car Insurance Price Index in association with WTW (NASDAQ:WTW), a leading global advisory, broking and solutions company.
Price deflation has slowed markedly in 2026, with prices rising in four of the first eight months: June (1.9%), May (0.3%), April (2.3%) and February (0.4%). However, more recent price decreases in July (-1.6%) and August (-1.1%) were enough to produce a modest quarterly fall of 0.8%.
Average premiums are now £282 lower than when motor insurance prices peaked at £995 in December 2023, according to the longest established car insurance price index in the UK, which is based on price data compiled from over six million customer quotes per quarter.
Tim Rourke, EMEA P&C Leader, Insaurance Consulting and Technology, said: “Drivers have benefited from a more stable pricing environment in 2026, but the underlying cost of settling motor claims remains under pressure. Increasing repair complexity, rising repair costs and ongoing inflation uncertainty continue to create challenges for insurers to navigate.”
Comprehensive Car Insurance – Quarterly Price Trends
2026 – May 2026 – August
Average Premium* £719 £713
% Change Quarterly* +1% -1%
£ Change Quarterly * +£8 -£6
Source: WTW / Confused.com Car Insurance Price Index. *Average values rounded to the nearest whole number.
Drivers in Leeds and Sheffield saw the biggest price drop over the three months since May 2026, with premiums falling 3% from £798 to £778. Motorists in Manchester / Merseyside and South Wales experienced the next largest reduction in prices, with premiums down 2% to £790 and £558 respectively.
Drivers in Northern Ireland recorded the steepest percentage rise in the cost of comprehensive car insurance over the three months since May 2026, with average premiums up 4% (£39) from £1,020 to £1,059. The South West of England recorded the next large