How is car insurance calculated?

Average customer rating: 4.3/5
Written by Kenneth Young
Reviewed by Adrian Taylor
Updated March 19, 2024

Factors that affect how your car insurance is calculated

The driver’s age

The vehicle you drive

Repair and replacement costs

Where you live and park your car

How you use your car

Your insurance policy excess

Different types of car insurance can affect your premiums

The types of car insurance you take out

Agreed value or market value insurance

Meet our car insurance expert, Adrian Taylor

Adrian Taylor
Executive General Manager – General Insurance

As Executive General Manager of General Insurance at Compare the Market, Adrian Taylor is passionate about demystifying car insurance for consumers, so they have a better understanding of what they’re covered for. Adrian’s goal is to make more information available from more insurers, to make it easier to compare and save.