27-05-2025
Which counties have the most expensive car insurance?
Longford, Louth and Limerick are the most expensive counties to purchase car insurance, new research has revealed.
When insuring your car, there are a range of factors an insurer will look at before giving a quote.
These factors include age, the type of car you are driving, your occupation, claims history, annual mileage as well as where you are based. Longford, Louth and Limerick are the most expensive counties to purchase car insurance, new research has revealed. Pic: Shutterstock
An area that has elevated crime rates can substantially increase your car insurance costs, Chill Insurance states.
New research from the company revealed that of the four provinces in Ireland, Ulster had the most expensive costs at an average of €796 while the lowest average was Connacht at €689.
Leinster was the second most expensive with an average premium of €764, while Munster had an average of €717. An area that has elevated crime rates can substantially increase your car insurance costs, Chill Insurance states. Pic: Getty Images
The most expensive county to buy insurance remained the same compared to the same time last year. Longford was found to have an average premium cost of €1,042.
This was followed by Louth with €873 and Limerick at €838. Last year the places were swapped, with Limerick the second most expensive and Louth the third.
Monaghan and Cavan completed the top five with €833 and €829 respectively. They detailed that the average for a 19-year-old to be insured was €1,884 while that dropped to €1,692 for drivers aged between 20 and 29 years old. Pic: Shutterstock
Kilkenny car insurance costs ranked the cheapest in the country at an average of €629, followed by Waterford at €643 and Waterford at €596.
The top three cheapest counties were the same compared to the same time last year.
Chill explained that the cost also depends on your age, noting 'the 'riskier' you are to insure, the more expensive your car insurance policy is likely to be.' Dacia has topped the table for the cheapest car to insure at an average of €494 followed by the SSANGYONG at €507 and the MG at €521. Pic: Getty Images
They detailed that the average for a 19-year-old to be insured was €1,884 while that dropped to €1,692 for drivers aged between 20 and 29 years old.
'However, it's crucial to note that insurance costs tend to be higher for all novice drivers, regardless of age,' they added.
'Insurers view inexperienced drivers as higher risk.'
And what about the type of car you are driving? The size of your car; the value of the car; the age and the security features include in the car will all be taken into consideration.
Dacia has topped the table for the cheapest car to insure at an average of €494 followed by the SSANGYONG at €507 and the MG at €521.
