Average motor premium paid, Q2 2026: £566/yr, +1% on the quarter, falling in real terms on the period before, source dated 30 June 2026. What people actually pay, from the industry's own tracker, and the rules that stop insurers charging you more for staying.
As of 30 June 2026, average motor premium paid, Q2 2026 is £566 a year. Across about 28 million private car policies a year. This is prices paid, not quotes.
Across about 28 million private car policies a year. This is prices paid, not quotes.
Source: ABI
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Compared against the ABI average premium actually paid. Premiums vary hugely by age, postcode and vehicle, so treat this as a rough bearing rather than a verdict on your insurer.
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Below: what is changing, what you could be paying, and what you might be owed. The longer detail stays folded until you want it.
The things that stop the headline figure being misread.
The full published figures, for anyone who wants to check our working or find their own line.
These are the rules, not advice. The price walking ban has been in force since 1 January 2022 and applies to home and motor policies sold to consumers.
Scroll sideways to see every column
| Rule | What it requires | Since |
|---|---|---|
| No price walking | A renewal price must not be higher than the equivalent new business price for the same customer through the same channel. ICOBS 6B.2.1R. | 1 Jan 2022 |
| Show last year's premium | The renewal notice must show what you paid at inception of the expiring policy, presented so you can compare the two easily. | In force |
| Shop around wording | From your fourth consecutive renewal the insurer must tell you, in prescribed words, that you may get the cover you want at a better price by shopping around. | In force |
| Auto renewal | The notice must say whether the policy renews automatically, and cancelling auto renewal must be easy, by methods matching how you bought it. Health and pet insurance are excluded. | 1 Jan 2022 |
| Bundles | Where home and motor are bundled, each element and the bundle price must independently pass the test. | 1 Jan 2022 |
The FCA collects these figures from every insurer once a year and publishes them so the cheapness of a policy can be weighed against whether it pays. These are the 2025 calendar year figures, published in August 2026, for the whole market rather than any one insurer. Acceptance is the share of claims the insurer paid in part or in full. The last column compares everything paid out in claims with everything taken in premiums for that product in the year. The FCA itself cautions that these are historical figures, and that insurers record a home claim that ends below the excess in different ways, which drags the home acceptance rate down in a way the motor figure does not suffer.
Scroll sideways to see every column
| Product | Claims accepted | Average payout | Complaints as a share of claims | Of premiums, paid out in claims |
|---|---|---|---|---|
| Motor | 98.7% | £3,858 | 5.7% | 59% |
| Home, buildings and contents | 70.9% | £7,024 | 11.9% | 48% |
| Travel, annual European | 85.5% | £1,389 | 5.9% | 44% |
| Pet, covered for life | 93.5% | £716 | 1.1% | 63% |
The average motor premium paid rose £6 to £566 in Q2 2026, still down about £14 year on year in real terms. Claims told a different story: £3.2bn paid out, up 7% year on year, with the average claim at £4,900. On the home side premiums fell to £383 combined while the average payout passed £7,000 for the first time and subsidence hit a record £20,000.
Source: ABI
The premium finance market study found average APRs down 4.1 percentage points since 2022, saving consumers about £157m a year. The cost of paying monthly fell from £49 to £41 on motor and £18 to £15 on home. The FCA confirmed it will not impose a price cap and will not mandate interest free instalments, relying on fair value and Consumer Duty monitoring instead. Over 23 million policies are paid monthly.
Source: FCA
Tariff Tracker publishes insurance statistics and the regulatory rules. It does not provide quotes, does not pass your details to anyone, and is not authorised by the Financial Conduct Authority to arrange insurance.
The ABI tracker does not split comprehensive from other policy types. Any site quoting an ABI average comprehensive premium is not reproducing ABI output.
Neither the ABI nor the FCA publishes average motor premiums by age band or by region. We will not invent them.
The value measures table is the market average for each product across every insurer, so any single policy can pay out better or worse than the row it belongs to. The figures describe the 2025 calendar year and say nothing about what any insurer will charge or pay next year.
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