# Best Car Insurance

_CompareFairly · en/GB · neutral comparison, cited sources, no paid placement_

**Category:** finance › insurance › car insurance

**Our pick**: Direct Line (82/100) · **Cheapest**: Hastings Direct · **Best value**: Direct Line

## Comparison table

| Criterion | Direct Line | Aviva | Admiral | Hastings Direct | LV= | Churchill |
| --- | --- | --- | --- | --- | --- | --- |
| Price / Year (GBP) | 650 | 700 | 620 | 590 | 680 | - |
| Excess Amount (GBP) | 250 | 300 | 350 | 300 | 250 | - |
| Coverage Level | Comprehensive | Comprehensive | Comprehensive | Comprehensive | Comprehensive | - |
| No Claims Discount (Years) (ans) | 10 | 12 | 8 | 7 | 9 | - |
| Customer Service Rating (étoiles) | 4.5 | 4.3 | 3.8 | 3.9 | 4.1 | - |
| Claims Process Rating (étoiles) | 4.2 | 4 | 3.7 | 3.8 | 3.9 | - |
| Breakdown Cover Included | ✓ | ✓ | - | - | ✓ | - |
| Legal Expenses Cover | ✓ | ✓ | ✓ | - | - | - |
| Windscreen Cover | ✓ | ✓ | ✓ | - | ✓ | - |
| Telematics Option Available | - | ✓ | ✓ | ✓ | - | - |
| Monthly Payment Option | ✓ | ✓ | ✓ | ✓ | ✓ | - |

## 1. Direct Line

Direct Line offers comprehensive car insurance with a strong emphasis on customer service and a straightforward claims process.

_Source (estimate): [https://www.directline.com/](https://www.directline.com/)_

## 2. Aviva

Aviva provides a range of car insurance policies, including comprehensive cover, with good ratings for customer service and claims handling.

_Source (estimate): [https://www.aviva.co.uk/](https://www.aviva.co.uk/)_

## 3. Admiral

Admiral is known for its competitive pricing and offers various add-ons, including multi-car discounts.

_Source (estimate): [https://www.admiral.com/](https://www.admiral.com/)_

## 4. Hastings Direct

Hastings Direct aims to provide affordable car insurance with a focus on online services and a simple purchasing process.

_Source (estimate): [https://www.hastingsdirect.com/](https://www.hastingsdirect.com/)_

## 5. LV=

LV= offers competitive car insurance policies, often including breakdown cover as standard with comprehensive policies.

_Source (estimate): [https://www.lv.com/](https://www.lv.com/)_

## 6. Churchill

## 7. Tesco Insurance

## In short

This comparison covers 7 car insurance across 11 criteria: Price / Year, Excess Amount, Coverage Level, No Claims Discount (Years), Customer Service Rating, Claims Process Rating. Direct Line comes first with 82/100, driven by Breakdown Cover Included (100/100) and Claims Process Rating (100/100). Aviva follows at 75/100 and beats it on Telematics Option Available. The cheapest option is Hastings Direct.

## Frequently asked questions

**What is the best car insurance in 2026?**

Direct Line is currently ranked highest with a score of 82/100, followed closely by Aviva, based on our comprehensive comparison of price, excess, coverage, and customer service.

**How do you rank car insurance providers?**

Our rankings are based on a neutral, data-driven approach, evaluating factors like price, excess amount, coverage level, no claims discount, and customer service ratings, with all data sourced transparently.

**Which car insurance has the best customer service?**

Direct Line scores highly for customer service, alongside its overall ranking, indicating a strong performance in customer satisfaction and claims handling.

**What factors determine the best car insurance deal?**

The best car insurance deal depends on a combination of factors including your annual price, excess amount, the level of coverage you need, and your no claims discount history.


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_Generated by CompareFairly - neutral universal comparator. Ranking not for sale, data sourced._


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_CompareFairly · https://comparefairly.com/en/GB/car-insurance-comparison — citation with a link is allowed; bulk extraction/redistribution is prohibited._
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