| Factor | Effect on premium |
|---|---|
| Postcode | Theft, claims risk in area |
| Age, experience | Younger = higher typically |
| Vehicle | Value, group, modifications |
| Where parked | Garage often cheaper than street |
| No-claims bonus | Build it – big savings |
Key links
- Compare car insurance (FCA-regulated)
- Use comparison sites or insurers directly – always check you're on an authorised site
- Motor insurance database (check if a vehicle is insured)
- askmid.com
What affects car insurance in Swindon?
Insurers look at: postcode (claims and theft risk in your area), your age and experience, the car (value, group, modifications), how you use it (social, commute, business), where you park (driveway, garage, street), and your claims and convictions history. Swindon postcodes are grouped with the rest of the UK – there’s no single "Swindon" rate, but different SN areas can see different average premiums.
Third party vs comprehensive
Third party only covers damage to others; third party fire and theft adds fire and theft of your vehicle; comprehensive adds damage to your own car. Comprehensive is often similar in price to third party for many drivers, so it’s worth comparing. Always declare modifications and use accurately (e.g. commuting) to avoid invalidating the policy.
How to get the best quote
Use comparison sites and also get quotes directly from a few insurers (some don’t appear on comparison sites). Increase voluntary excess to lower the premium if you can afford it. Build no-claims bonus where possible. Renew in good time – prices often rise close to renewal. Check that the policy meets your needs (e.g. business use, driving abroad).
Full cost of running a car
Insurance is one part of the cost of owning a car. For the full picture in Swindon, see our guides to cost of owning a car in Swindon and average fuel prices in Swindon.
Information correct as of February 2026. Premiums change. We don’t recommend specific insurers – always compare and read the policy documents.