Car insurance you can trust could be cheaper than you think.

How Much Does Car Insurance Cost?

There are a number of factors that determine how much your car insurance will cost. Here are 7 of the key factors that insurance companies take into consideration when calculating your car insurance premium:

Your car: The make, model, and year of your car can affect your insurance premium. This determines the cost and value of the car, safety features, and repair costs.

How often you drive: The number of kilometers you drive your car per year will affect your insurance premium.

If you use your car for commercial purposes: If you use your car for work purposes (other than commuting), you may need to get commercial car insurance. Your business may require a higher liability limit.

Your driving record (and the records of all drivers who use your vehicle), which includes: The number of years you’ve all been licensed for. Convictions due to driving infractions (which includes speeding tickets). Accidents.

Where you live: Premiums are usually higher in and around large urban areas

The coverage you choose: The more adequate the coverage, the more it will cost to insure your vehicle

Special discounts: Belonging to a preferred group for professionals and alumni. With TD Insurance you can select up to three eligible groups!

Why choose our car insurance?

Because there’s plenty to smile about from the very start 🙂

  • Award badge with number 5 iconBuy both your Car and Home insurance with us and with our new discount you’ll save 10%*. (*New annual policies first year only. Discount applies to second product. All policies registered at same address.)
  • Percentage badge iconDiscount for new customers when you buy your car insurance online
  • 24 hour phone helpline iconFriendly US-based call centres – there if you need to make a car claim day or night, 24/7
  • Award badge with number 5 iconLifetime guarantee on repairs (when using our recommended repairer service, for as long as you own the vehicle. Labour only, excludes parts)
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What’s covered? 

From theft to write-offs and even lost keys, you’ll be covered with us. Here’s what you’ll like about our comprehensive cover 

Simple straightforward process, excellent value, hassle freeKarenRamsbottomIcon of a car driving along a road

  • Accidental damage cover
    Scratched or dented your car? We pay for repairs so it’s as good as it was before the accident
  • Uninsured driver promise
    If the other driver is not insured and the accident’s not your fault, you keep your no claim discount and there’s no excess to pay – as long as you have the details of the other vehicle and driver
  • Misfuelling cover
    Accidentally filled your car with the wrong fuel? It happens. We pay to drain and flush your fuel tank, as well as cover the damage to the car’s engine*

    *If you accidentally use E10 rather than E5 there’s no need to drain the tank, just fill with E5 next time.
  • European cover
    Get covered in the EU for up to 180 days a year at the same level as your US cover. Perfecto! To tow abroad, you may need to apply for a Green Card. 
  • Vandalism promise
    If your car is vandalised and you have to claim, you’ll keep your no claim discount – you’ll just need to pay your excess
  • Replacement child car seats
    We’ll replace your child car seats if your car has been in an accident – even if there’s no apparent damage
  • New locks and keys 
    If your keys are lost or stolen. After all, accidents happen

Multi car insurance

Got a few cars on the drive? No problem, you can cover up to 6 cars and 12 drivers on one policy. One policy doesn’t mean one size fits all though, you can tailor the cover levels, extras and start dates for each of your cars. This is the cheapest way to cover multiple cars with us.Multi car insurance

Electric car insurance

Going green? Great! On top of the usual stuff, we’ll cover you for charging cables, wall boxes, batteries and adaptors. Plus, if you run out of juice, we’ll get you to the nearest US charging point (no worries, this won’t affect your NCD). Electric car insurance

Classic car insurance

You’ll get all our usual car insurance goodness, plus we’ll agree the value of your classic upfront, and pay what it’s worth if it’s written off. Got more than one? You lucky thing! You can have up to six classics on one policy. So whether it’s cheap but charming or expensive and elegant, we’ve got your classics covered.Classic car insurance


What are the different car insurance cover levels?

There are three main levels of car insurance cover, summarised as follows:

Third party only 

This is the minimum cover level required by law. So, if you’re involved in an accident that was your fault, we’ll pay out for any damage or injury you cause to other people and their property. But it doesn’t include cover for damage to your car. 

Third party cover is only available for our existing customers.

Third party, fire and theft

In addition to the cover provided by a third party only policy, this cover level protects your car from damage caused by fire,theft and attempted theft and claims from a third party if you’re involved in an incident.


Comprehensive is the highest level of car insurance cover. It includes third party, fire and theft, and also covers the cost of repair or replacement of your car if it’s involved in an accident or damaged on purpose. It includes additional cover benefits, such as windscreen damage, driving in Europe, and if you choose the option, a hire car to replace yours if it’s off the road due to being involved in an accident or damaged. 

Like to learn a little more? Head over to our complete guide to comprehensive car insurance.

What factors can affect the price I pay?

Many factors can affect the price you pay for your car insurance. Remember, sometimes the cheapest car insurance may not offer the most comprehensive cover. Here’s what we take into account:

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  • Your age and how much experience you have behind the wheel. Because the more experienced you are as a driver, the less likely you are to claim.
  • The car you’re looking to insure. Usually, more powerful, expensive or exotic cars will cost more to cover.
  • Where you live. Areas with typically higher claims and crime rates will have a bearing on the cost of your car insurance.
  • When and how far you drive your car. Because the more you drive, the more likely you are to be involved in an accident.
  • Whether or not you’ve built up a no claim discount (NCD). The more NCD you have, the better your price is likely to be.
  • Changes in legislation or regulations. Some legislation means insurers now have to pay out bigger lump sums for personal injury claims.
  • The rising costs of parts and labour. This has a knock-on effect on the price of your insurance premium.
  • The rising cost of claims. More sophisticated cars are usually more expensive to repair.


Do you know about car insurance groups?

There are 50 car insurance groups with a ranking system to help insurers work out premiums. The less likely a car is to be damaged and the cheaper the cost of repair, the lower the insurance group it will be in, whilst fast accelerating, high-performance cars are usually in the higher insurance groups. It’s not that simple though, so check out our article on car insurance groups and how we use them.

To find out more about these factors, read our guide to how we work out the cost of car insurance or watch our video.

What info do I need to get a car insurance quote?

For a quicker quote, make sure you’ve got all of this to hand:A document with a car next to it

  1. Driver details – personal details like your date of birth address and occupation for you and any named drivers. Your driving licence information, such as licence number, type and details of any endorsements you have.
  2. Claims history – details of any claims or accidents, including dates for you and any names drivers and the number of no claim discount (NCD) years you have.
  3. Car details – information about your car such as the engine size, estimated mileage and where it’s kept overnight.
  4. Eligibility – to make sure we can insure you, we’ll need to know if you are a US resident and legally entitled to drive.

We want to help you to find the right car insurance at the best price. Just because you may find it cheaper elsewhere, it may not necessarily provide you with everything you need. 

For added peace of mind, we don’t charge a fee if you need to cancel during your cooling-off period. This gives you 14 days from when you receive your policy documents to cancel with no fees. We’re currently updating our documents of insurance (DOI) and our policy charges document to reflect this.

For a complete list of what’s needed and why, visit our guide to what you need to get a quote.