It is very much cheaper to buy car insurance if you live in some counties rather than others, and the reason is that far more insurance claims are made in the more expensive counties. However it is even more complicated than that, as there can be a huge variation in the cost of car insurance premiums across individual counties. Obviously you need to make sure any insurance you’re taking out covers anything you need it to, you can usually check this on the insurer’s website.
Taking a coarse grain approach and looking at specific regions, the highest car insurance claims are in Greater London.
The second highest region is the North West of England, which includes the counties of Cheshire, Cumbria, Greater Manchester, Lancashire and Merseyside; however most claims are made in Manchester and Oldham.
West Midlands and Yorkshire have the next highest insurance claims and these regions include the counties of West, South and North Yorkshire, Shropshire, Staffordshire, Warwickshire, Worcestershire, Herefordshire and West Midlands County; however the statistics are dominated by the West Midlands County and the major cities in Yorkshire.
Rather than look at basic county wide data, it is more informative to look at the number and cost of car insurance claims by postcode.
In order, the ten postcodes with the highest car insurance claims are:
1) London E
2) London WC
3) London NW
4) Ilford IG
5) Southall UB
6) London N
7) Manchester M
8) Liverpool L
9) Oldham OL
10) London SE
There is also a spread of types of car insurance claims. In some areas car crime makes up a large proportion of car insurance claims. The places where claims for car crime are the highest are in order:
2) West Yorkshire
3) West Midlands
5) South Yorkshire
If you want to find out if the place where you live has a high percentage of car insurance claims, then you can generally find out by contacting your local council road planning office which is likely to keep statics on accidents in the region broken down by postcode.