Overview

• UK quoted car insurance premiums dropped by 10.8% year-on-year to April 2025.
• Drivers over 50 saw the largest average fall of 16%, compared with 9.7% for those aged 25–49 and just 3.4% for under-25s.
• Regional year-on-year declines varied from 21.1% in Wales to a 0.2% drop in London, where quotes rose 2% over the last quarter.
• Insurers may start raising premiums or even refuse coverage for motorists over 70 or 80 as they reassess risk.
• The most common quoted premiums ranged from £250 to £499, accounting for 26% of all quotes, with 23% falling between £500 and £749.