Some drivers are super organised, locking in their next insurance deal a month early. Others? They let their policy auto-renew without a second thought (and usually end up paying more for it).
But there’s a sweet spot in between where you can grab the best deal—and it could save you over £160 just by getting your timing right.
Most insurers send renewal quotes two to four weeks before your current policy ends, but if you wait until the last minute, you’re likely paying way more than you need to.
According to GoCompare’s analysis of 2024 quotes, the cheapest time to lock in a new policy was exactly 26 days before your current one expires. On average, drivers who did this paid £390—compared to £554 for those who left it until the final day. That’s a £164 difference just for sorting it out sooner.
If you want to maximise savings, aim to renew between 21 and 28 days before your policy ends. Buying in advance shows insurers that you’re organised and responsible—traits they reward with lower prices.
Insurance costs have been climbing fast. The average premium at the end of 2024 was £621, only slightly down from a record high of £636 earlier in the year. The reason? More car thefts, pricier repairs, and supply chain issues pushing up claim costs.
While insurers say they’re working to keep prices in check, industry experts are urging the government to step in—especially by not increasing Insurance Premium Tax in the next budget.
Compare car insurance quotes with Quotezone and you could save up to £523*
Bottom line? If you want to save cash on your renewal, set a reminder 26 days before your policy ends. It’s an easy win for your wallet.
