Overview

• Average UK car insurance premiums have risen 43% year-on-year to £941 in 2025.
• Insuring a Skoda Fabia costs roughly £237 annually, translating to maximum savings of £693 compared with the average policy.
• Locking in quotes 26 days before policy expiry can reduce renewal costs by up to £1,371.
• Paying for cover in a single annual payment rather than monthly installments saves drivers about 10%, or up to £225 per year.
• Motorists can lower premiums further by accurately adjusting job titles, increasing policy excesses and comparing quotes across multiple insurers.