Car Insurance Price Index: Northern Ireland
05/06/2025
The average cost of car insurance in Northern Ireland currently stands at £598.85 in Q1 of 2025.
This is down 11% from the previous quarter. And the price of insuring a car in NI will come in at £425 less when compared to London.
However, while NI was one of the cheapest regions in the UK to insure a car, it has jumped up the regional rankings from position 10 to position 8 going into 2025.
Overall, this is still an improvement from historical costs, where NI car insurance prices were some of the highest in the UK. But, these new price trends are something to keep an eye on throughout 2025.
At CompareNI, we have done the research so NI drivers know where they stand when it comes to their car insurance costs. Get all the NI car insurance cost data and averages for each age group in 2025.
The average cost of NI car insurance compared to UK regions
Car insurance price index
| Region | Average Car Insurance Premium | |
| 1 | London | £1,023.88 |
| 2 | West Midlands | £796.80 |
| 3 | North West England | £698.95 |
| 4 | Yorkshire | £671.79 |
| 5 | East Midlands | £651.29 |
| 6 | South East England | £628.80 |
| 7 | East of England | £606.13 |
| 8 | Northern Ireland | £598.85 |
| 9 | Wales | £552.68 |
| 10 | Scotland | £548.85 |
| 11 | North East England | £541.42 |
| 12 | South West England | £510.71 |
Average NI car insurance costs in 2025
The average cost of NI car insurance fluctuated throughout 2024. Drivers with renewal dates in November ‘24 could have paid an average of £62.32 more than those who renewed in August.
Whether prices will continue to decrease will depend on factors such as inflation, the cost of repairs and labour, the volume of claims received by insurers and the availability of common repair parts.
| Month | Monthly Cost of NI car insurance |
| January 2024 | £662.88 |
| February | £687.58 |
| March | £680.40 |
| April | £681.58 |
| May | £665.69 |
| June | £667.27 |
| July | £647.75 |
| August | £641.64 |
| September | £673.28 |
| October | £685.55 |
| November | £703.96 |
| December | £659.93 |
| January ‘25 | £668.05 |
| February | £625.92 |
| March | £656.97 |
Cost of NI car insurance by age
Northern Ireland has the cheapest car insurance figures for young drivers across the UK. The cost of car insurance for young drivers in NI is £1495.33 according to the latest quarterly car insurance index figures.
Car insurance costs for under 25s in NI are by no means cheap. However, compared to other regions in the UK, new and young drivers in NI could be paying up to 77% less than those in London.
| Region | 17-24 | 25-34 | 35-44 | 45-64 | 65+ |
| London | £2672.57 | £1568.01 | £1096.02 | £766.06 | £658.17 |
| North West England | £2072.19 | £1249.62 | £871.40 | £514.34 | £481.65 |
| Yorkshire | £2046.82 | £1188.64 | £825.13 | £498.84 | £445.69 |
| West Midlands | £2154.07 | £1379.45 | £914.25 | £542.68 | £482.05 |
| North East England | £1755.25 | £1094.90 | £749.24 | £430.07 | £404.34 |
| East Midlands | £1879.86 | £1108.17 | £749.17 | £489.11 | £416.09 |
| South East England | £1806.98 | £1020.03 | £743.55 | £482.36 | £449.33 |
| East of England | £1751.76 | £1061.76 | £716.50 | £466.31 | £425.12 |
| Scotland | £1718.23 | £989.75 | £698.48 | £439.45 | £404.48 |
| Wales | £1657.56 | £953.74 | £709.12 | £401.72 | £370.49 |
| South West England | £1568.39 | £884.81 | £618.78 | £385.86 | £380.35 |
| Northern Ireland | £1495.33 | £770.57 | £551.72 | £456.76 | £485.77 |