High APRs on monthly car insurance payments persist

Which? research highlights premium finance costs and regulatory scrutiny

Table with 2 columns and 52 rows. Currently displaying rows 1 to 20.
The Insurance Factory30.72% (renewing) - 34.08% (new customers)
iGO430%
Dial Direct29.90%
Nutshell29.90%
Zenith Insurance29.90%
Co-op Insurance29.89%
Budget28.90%
Darwin28.90%
Geoffrey Insurance26.90%
Swinton26.90%
Santander26.50%
Churchill26%
Privilege26.00%
Hastings Direct24.80%
InsurePink24.80%
People's Choice24.80%
Bank of Scotland23.50%
Halifax23.50%
Lloyds Bank23.50%
Tesco21.40%
Based on a survey of 52 car insurance brands carried out in February 2025. Some providers apply a range of APRs depending on customer group/risk. In these cases - where an average or overall representative rate wasn’t provided - the rate used for the Which? analysis and table rankings were either that for new customers or the mid-point of the range. 
Table: Motor Finance Online Source: Which?
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