What Affects Your Car Insurance Premium?
Updated 16 October 2026 · 5 min read
From postcode and job to mileage and car choice — discover what insurers look at when pricing your car insurance.
Key takeaways
- Your age, experience and claims history weigh most.
- Postcode, parking and mileage all shape risk.
- Always answer honestly — misrepresentation can void cover.
About you
Insurers consider:
- Age and driving experience
- Claims and conviction history
- Occupation
- Who else will drive the car
About the car
The car's insurance group, value, age, security and any modifications all affect the price.
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How and where you use it
Your postcode reflects local theft and accident rates. Annual mileage, overnight parking and whether you use the car for commuting or business also count.
Be honest
Giving incorrect information to save money can lead to claims being refused or your policy cancelled. Always give accurate answers.
This guide is general information, not financial advice.