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Make Your Drive Secure with the Right Car Insurance Edinburgh

Being one of the largest cities in the UK and the second largest in Scotland, car insurance in Edinburgh prices can be on the more expensive side. Large cities usually means an increased risk of theft and vandalism. However this isn’t to say you can’t find Edinburgh car insurance at an affordable rate!

If you want to get quotes for car insurance in Edinburgh from a panel of expert providers, then simply click the green button now.

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Did you know…?

Edinburgh car insurance quotes are some of the most expensive in Scotland but still quite affordable when compared to a city such as London.

Why You Need Car Insurance Edinburgh

Just like anywhere else in the UK, driving legally in Edinburgh requires you to have a third party only policy at minimum. If you want more protection for your vehicle though, you should consider a fully comprehensive policy.

Types of Cover Available For Car Insurance Edinburgh

Third-Party Only Insurance

: This is the most rudimentary form of car insurance and is the bare minimum required by law in the UK. It covers harm to other individuals and damage to other people's property, but doesn't extend to any damage to your own vehicle.

Third-Party, Fire and Theft Insurance

: This extends the coverage offered by Third-Party Only insurance, adding protection against loss or damage to your vehicle due to fire and theft.

Comprehensive Car Insurance

: This is the broadest cover you can get. It comprises all the elements of Third-Party, Fire and Theft insurance, and also potentially covers the cost of repairs or replacement of your vehicle, regardless of who was at fault in the accident.

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Did you know…?

Other factors that insurance providers consider are your age, driving experience and the value of your car.

Car Insurance Edinburgh Why Getting Quotes Online Is A Good Idea

Below are some excellent reasons to get Car Insurance Edinburgh quotes online –

  • Operating independently of specific insurers, these sites provide unbiased assessments to help users find the best policy.
  • Comparison websites offer cost-effectiveness by allowing side-by-side comparison of quotes and policies, ensuring transparency in prices and features for informed decision-making.
  • Some comparison websites offer renewal reminders to help customers seize savings opportunities.
  • They serve as informative resources on what makes up good coverage, bolstering user confidence in finding reliable car insurance at a fair price.
  • They promote competition among insurers, often leading to better pricing options.
  • The process is efficient, requiring users to enter their information only once, eliminating the need to fill out long forms for each provider.

Car Insurance Edinburgh - Extra Cover

Additional cover options for Car Insurance Edinburgh include –

  • Courtesy Car Cover: If your car's in the repair shop after an accident, you won't be left without wheels. This cover ensures you're provided with a courtesy car.
  • Uninsured Driver Protection: If an uninsured driver has a bash at your vehicle, this cover ensures you're not left picking up the bill, covering your excess and safeguarding your no claims discount.
  • Child Car Seat Cover: After an accident, this cover can replace any child car seats, even if they don't appear to be damaged.
  • Windscreen Cover: This cover ensures your windscreen is protected against any damage, keeping your view of the road unobstructed.
  • Breakdown Cover: If your car breaks down, this add-on ensures you're not left stranded, providing roadside assistance when you need it.
  • No Claims Discount Protection: Making a claim doesn't mean losing your no claims discount. This cover keeps it intact, ensuring lower premiums in the future.
  • Legal Cover: If you're involved in a legal dispute related to a road incident, this provides financial protection against any potential legal costs.
  • Foreign Use Cover: Taking your car on an international adventure? This ensures your cover extends abroad, offering the same level of protection you'd have at home.
  • Key Cover: Lost your keys or got them nicked? This cover handles the cost of replacing them and even covers the locksmith's fees.
  • Misfuelling Cover: A simple mistake like filling up with the wrong fuel can be costly. This cover helps you manage the repair costs.
  • Excess Protection Cover: Making a claim shouldn't be a financial stress. This cover handles the cost of your excess, so you won't be out of pocket when you need it most.
  • Personal Accident Cover: In the unfortunate event of a severe accident, this provides a financial safety net, covering you or any named driver for certain injuries.

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Did you know…?

Getting quotes is very quick and easy, not to mention one of the best ways to save money on car insurance.

Car Insurance Edinburgh - How You Can Save Money

Some great ways to save money on Car Insurance Edinburgh are –

  • Park Securely: Cars parked on the street are more likely to be stolen or damaged. If possible, park your car in a garage or secure parking spot overnight.
  • Telematics Insurance: Also known as 'black box' insurance, this involves a device being fitted to your car to monitor your driving. Good, safe driving can lead to lower premiums.
  • Pay Annually: If you can afford to pay your premium in one annual lump sum, you may find it's cheaper than spreading the cost monthly, which often involves interest charges.
  • Choose Your Car Wisely: The make, model, and age of your car can affect the cost of your insurance. Cars that are less expensive to repair or replace usually come with cheaper insurance premiums.
  • Improve Security: Installing approved security devices like an alarm or immobiliser can lower your insurance cost, as it reduces the risk of your car being stolen.
  • Shop Around: Don't settle for the first quote you receive. Use the comparison tool to explore various policies and find the one that offers the best value for your money.
Car Insurance Edinburgh Annual Average Premium
Region Postcode Premium*
ScotlandAB, DD, DG, EH, FK, G, HS, IV, KA, KW, KY, ML, PA, PH, TD, ZE£675.81
Reference – Data from Quotezone.co.uk, this data uses a random sample of over 100,000 UK car insurance policies from January – May 2024.

Get Tailored Car Insurance Edinburgh Quotes Today!

Comparing makes the process of finding the right car insurance easy. Just follow these steps:
  • Enter your personal information.
  • Provide your vehicle's details.
  • Fill in your current insurance details.
  • Specialist insurance providers contact you with tailored quotations

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Car Insurance Edinburgh FAQs

How does Edinburgh car insurance compare to other major cities?

Although Edinburgh car insurance is some of the most expensive in Scotland, it’s actually relatively cheap when compared to major English cities like London, Liverpool and Manchester.

Is location the main thing that insurance providers take into account?

Although location is a big factor, it’s certainly not the only thing that matters when it comes to the cost of car insurance. Your age, the value of your vehicle and how long you’ve been driving are all major things that come into play too.

What are some ways to save money other than getting quotes?

Some other good ways to save money include –

  • Limiting cover options
  • Increasing excess on the policy
  • Don’t make any modifications to your car
  • Pay upfront on an annual basis

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Car Insurance Edinburgh Providers

Clean Green Compare have partnered with Quotezone.co.uk to help you save money on your Car Insurance Edinburgh. Quotezone.co.uk is a trading style of Seopa Ltd who are a limited company registered in Northern Ireland, Registered number: NI46322. Registered office: Seopa Ltd, Floor 4, Blackstaff Studios, 8-10 Amelia Street, Belfast, Northern Ireland, BT2 7GS. Seopa Ltd is authorised and regulated by the Financial Conduct Authority (FCA). Their registered number is 313860.

You could save up to £518* *51% of consumers could save £518.14 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next four cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from June 2025 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.

Ian Beevis - Clean Green Compare Insurance Expert
Updated 9 May 2025Reviewed by Ian Beevis Insurance Expert