Free Insurance Cost Calculator
How Much Could You Save on Insurance?
Select your region to see how your total insurance costs compare to the national average across car, home, life, health, and pet insurance.
Select your region above to see your insurance costs compared to the national average.
How the Calculator Works
Pick your region
Select your UK region to load local insurance rate data.
See the breakdown
View monthly costs for each insurance type compared to the national average.
Find savings
Click through to compare providers and find better rates in your area.
Independent comparison — no bias
Our rate data is researched independently and updated quarterly. We may earn a commission if you click through to a provider, but this never affects our data or rankings. See our editorial standards.
Savings Calculator FAQ
How are the insurance costs calculated?
We aggregate average monthly premiums across five insurance types — car, home, life, health, and pet insurance — for each UK region. Data comes from our rate research updated quarterly. These are average costs and your actual premiums will depend on your personal circumstances.
Why do insurance costs vary so much by region?
Insurance premiums are heavily influenced by local factors: accident and crime rates affect car insurance, weather and flood risk affect home insurance, regional healthcare costs vary, and local veterinary costs affect pet insurance. Regulatory environments and competition levels also play a role.
What types of insurance are included in the total?
The calculator includes five types: car insurance (comprehensive cover), home insurance (buildings + contents), life insurance (level term for a 35-year-old non-smoker), health insurance (private medical insurance), and pet insurance (dog, lifetime cover). Mortgages, credit cards, and personal loans are not included as they vary based on individual borrowing.
Can I actually save money by moving to a cheaper region?
While the calculator shows regional cost differences, we don't recommend moving solely for insurance savings. Instead, use the comparison links to find better rates from competing providers in your current area — switching insurers is typically the fastest way to save.
How often is the rate data updated?
We review and update our rate data quarterly to reflect current market conditions. The data shown represents average premiums and is intended for comparison purposes only — always get personalised quotes for accurate pricing.