![](\"https:\/\/cdn.images.express.co.uk\/img\/dynamic\/24\/590x\/secondary\/Car-owners-in-London-the-West-Midlands-and-Wales-have-been-hit-the-hardest-by-price-rises-5099022.jpg?r=1701715480913\")
<\/p>\n<\/p>\n
Drivers can pay up to 66% more for car insurance depending on where they live, analysis shows.<\/p>\n
The problem does not end with premiums either, as if you are in a \u2018risky\u2019 area many insurers also charge high unavoidable excesses \u2013 the cash you have to pay before a claim is paid out.<\/p>\n
Many factors go into calculating how much drivers pay for their premiums, such as driving history and the type of vehicle.<\/p>\n
But analysis from the Daily Express has revealed that location really can make a massive difference to the cost of your policy.<\/p>\n
Insurers tend to keep a tight lid on exactly how they set their rates, but it is known factors such as theft, the chance of flooding and the probability of having a crash are all taken into account, when it comes to your address.<\/p>\n
Don’t miss… <\/strong> Drivers urged to keep car safe as one brand faces 500 percent rise in thefts<\/strong><\/p>\n A number of quotes were obtained for a range of vehicles keeping everything the same except the postcodes.<\/p>\n The locations ranged from London, the place with the UK\u2019s highest premiums, to the South West of England, which boasted the lowest \u2013 and everything in between.<\/p>\n Unsurprisingly, motorists in the capital were paying \u00a3854.41 on average in the third quarter of this year, compared to \u00a3512.03 for drivers in the South West.<\/p>\n Meanwhile, drivers in the West Midlands were paying on average \u00a3707.91 to their insurer, compared to \u00a3561.78 a year on average for Scottish drivers.<\/p>\n The research, conducted on behalf of the Daily Express<\/em> by\u00a0Quotezone.co.uk\u00a0and based on a sample of 100,000 policies, showed that car insurance premiums have risen in every region of the UK in the last 12 months by 12.5% on average.<\/p>\n Car owners in London, the West Midlands and Wales have been hit the hardest by price rises, all seeing increases of 16 per cent on average in the last year.<\/p>\n But it is not just premiums that go up depending on where you live \u2013 your compulsory excess can too.<\/p>\n That is something often overlooked by consumers buying car insurance, which is often done based on the premium price.<\/p>\n Much like the premium examples above, people living in postcodes seen as riskier by insurers tend to pay higher excesses.<\/p>\n But this is not true across the board. According to a recent analysis by This is Money, a driver insuring a Ford Focus would pay an excess of \u00a3150 in East London \u2013 the “riskiest” area tested.<\/p>\n\n