Car insurance providers base the cost of the cover on a number of factors, one of which is the location the car is kept overnight. Vehicle thefts and claims for damage contribute heavily to the price an insurer quotes for cover and cheap insurance for cars is more likely in areas where the vehicle crime rate is relatively lower.
Use this tool if you are thinking where is cheap car insurance near me? We use crime statistics to aggregate and compare areas of the UK against each other for specifically vehicle crime and use this data to create a relative car crime score.
However, this data alone is not always a reliable indicator so we have also included the postcode district score from car insurance providers which is based on a risk letter from A to F (F being the worst).
Those looking for cheap car insurance should take into account both scores to have a more reliable indication. The risk letter is based on the postcode district whereas our vehicle crime relative score is based on postcode sector comparisons. A postcode district may have high vehicle crime but a sector within it may have lower rates than others. Car insurance providers may reduce premiums in the lower risk sectors and but a REFER letter. They may also just base the sector car insurance premium on the higher risk district letter.