Car insurance in the United Kingdom can be quite expensive and very variable, and it’s one of the biggest ongoing costs for expats who choose to drive. On average, comprehensive car insurance for a typical driver in the UK can range around £500–£750 per year, which works out at roughly £40–£60 per month, though this figure can be higher or lower depending on circumstances. 

For expats in the UK, premiums are often higher than for locals, especially if you’re insured on a foreign licence or have limited UK driving history. Some insurers may charge significantly more — for example, studies suggest international drivers with non-UK licences can pay up to 30–120% more than a similar UK driver because insurers view them as higher risk. 

Actual costs vary widely based on factors such as:

• Your age and driving experience (younger or new drivers pay much more)

• Where you live and park the car (urban areas like London are costlier)

• Type of car and its value

• Your driving record and no-claims history

Specialist expat insurance providers may offer tailored policies once you’re living in the UK, but expats should always compare multiple quotes to find the best price.