Taxi insurance cost by licensing authority 2026

← Taxi insurance  |  Data period: July to September 2026  |  Page updated: 3rd November 2026

3.2 times: the gap between the five cheapest (£1,519) and five dearest (£4,929) licensing authorities for average annual taxi insurance quotes, summer 2026

The average annual taxi insurance quote can be more than three times higher depending on which licensing authority a driver is licensed by. Across the 100 most-quoted licensing authorities in summer 2026, the five dearest averaged £4,929 and the five cheapest £1,519.

This page shows what we found in more than 100,000 quotes from insurers on insurd’s panel, and lets you look up the average for your own licensing authority. These are average quotes, not prices we set or guarantee.

Key figures: a 3.2 times gap between the five cheapest and five dearest licensing authorities; £1,519 vs £4,929 average annual quote; £2,166 for drivers with 4+ years' No Claims Bonus vs £3,189 for all drivers; 100 authorities from more than 100,000 quotes

Jump to: Quote by authority · No Claims Bonus · Same region · Find your authority · What sets your price · How we worked this out · FAQs

Average taxi insurance quote by licensing authority

The chart shows the five lowest, the middle five and the five highest average annual quotes among the authorities featured. Across the 100 most-quoted authorities, the five dearest averaged 3.2 times the five cheapest.

  • London is among the higher-quote areas. Drivers licensed by the Public Carriage Office averaged £4,588, the fifth highest of the 100 authorities and about 44% above the £3,189 average for all drivers.
  • Drivers don’t always work in the area that licensed them. Some licensing authorities license large numbers of drivers who live and work elsewhere, so these averages reflect the drivers quoting for each licence, not just local conditions. Authorities like these are included in our figures but not shown individually in the charts.
  • Looking for your own authority? Search the full table.
See the chart figures as text
Licensing authorityAverage annual quote
Southampton£1,420
Wrexham£1,436
Torfaen£1,513
York£1,566
Gedling£1,662
Stockport£2,672
North Lanarkshire£2,679
North Somerset£2,696
Canterbury£2,702
Slough£2,727
North Northamptonshire£4,302
London PCO£4,588
Blackburn with Darwen£4,818
Lewes£5,145
Doncaster£5,342
Bar chart of the average annual taxi insurance quote by licensing authority, summer 2026, from Southampton £1,420 and Wrexham £1,436 at the low end to Lewes £5,145 and Doncaster £5,342 at the high end.

Who is quoting changes the average

Age and No Claims Bonus both affect what insurers quote. Drivers with at least four years’ No Claims Bonus averaged £2,166, about a third (£1,023) lower than the £3,189 average for all drivers. The gaps between authorities remain for these drivers too.

Driver profileAverage annual quote
All drivers£3,189
Aged 40-55£2,634
4+ years’ No Claims Bonus£2,166
Aged 40-55 with 4+ years’ No Claims Bonus£2,109

The chart compares the average quote for all drivers with the average for drivers who have at least four years’ No Claims Bonus, for 15 licensing authorities (5 lowest, 5 middle, 5 highest premiums quoted). The averages cover all drivers licensed by each authority.

Paired bar chart comparing the average annual taxi insurance quote for all drivers with drivers who have 4+ years' No Claims Bonus, for 15 licensing authorities, summer 2026

Average annual quote, all drivers vs drivers with 4+ years’ No Claims Bonus, for 15 licensing authorities (5 lowest, 5 middle, 5 highest premiums quoted).

Same region, very different averages

The gaps show up between neighbouring areas too:

  • South Yorkshire: drivers licensed by Doncaster averaged £5,342. That is £3,073 more, or 2.4 times as much, as the £2,269 average for those licensed by Sheffield.
  • Lancashire: drivers licensed by Blackburn with Darwen averaged £4,818. That is £2,795 more, or 2.4 times as much, as the £2,023 average for those licensed by Hyndburn.
Average annual taxi insurance quotes in South Yorkshire (Sheffield £2,269, Doncaster £5,342) and Lancashire (Hyndburn £2,023, Blackburn with Darwen £4,818), summer 2026

Average annual quote by licensing authority, summer 2026. Bars share one scale.

Find your licensing authority

Search for your council, or sort by name, average quote or position. Each figure is the average annual quote for drivers licensed by that authority, rounded to the nearest pound. The volume band shows roughly how many quotes sit behind each average.

Average annual taxi insurance quote by licensing authority, summer 2026 (100 most-quoted authorities)
Ashfield£3,007500 to 999Middle third
Birmingham£3,0441,000 or moreMiddle third
Blackburn with Darwen£4,818500 to 999Upper third
Blackpool£2,544250 to 499Middle third
Bolton£3,706250 to 499Upper third
Bradford£4,7531,000 or moreUpper third
Brighton & Hove£1,910250 to 499Lower third
Bristol£2,520Under 250Middle third
Broadland£1,922250 to 499Lower third
Bury£4,151Under 250Upper third
Calderdale£2,849500 to 999Middle third
Cambridge£2,384Under 250Middle third
Canterbury£2,702Under 250Middle third
Cardiff£1,9521,000 or moreLower third
Castle Point£1,992250 to 499Lower third
Cherwell£2,572Under 250Middle third
Cheshire West & Chester£2,059250 to 499Lower third
Chesterfield£3,308250 to 499Upper third
Colchester£1,712Under 250Lower third
Coventry£3,704250 to 499Upper third
Doncaster£5,342500 to 999Upper third
Dudley£3,669250 to 499Upper third
Durham£2,205Under 250Lower third
East Dorset£2,428250 to 499Middle third
East Renfrewshire£4,263Under 250Upper third
Edinburgh£3,040500 to 999Middle third
Fareham£2,193250 to 499Lower third
Gedling£1,662250 to 499Lower third
Glasgow£2,615500 to 999Middle third
Gloucester£2,659250 to 499Middle third
Hull£1,929250 to 499Lower third
Ipswich£2,121250 to 499Lower third
Kirklees£2,3581,000 or moreLower third
Knowsley£3,6261,000 or moreUpper third
Lancaster£2,022Under 250Lower third
Leeds£2,9641,000 or moreMiddle third
Leicester£2,083500 to 999Lower third
Lewes£5,145250 to 499Upper third
Liverpool£3,6301,000 or moreUpper third
London PCO£4,5881,000 or moreUpper third
Luton£3,027250 to 499Middle third
Manchester£2,7791,000 or moreMiddle third
Middlesbrough£3,608250 to 499Upper third
Milton Keynes£3,125500 to 999Middle third
Neath Port Talbot£2,969250 to 499Middle third
Newcastle upon Tyne£2,7471,000 or moreMiddle third
Newport£3,274500 to 999Upper third
North East Lincolnshire£3,894Under 250Upper third
North Lanarkshire£2,679Under 250Middle third
North Northamptonshire£4,302Under 250Upper third
North Somerset£2,696Under 250Middle third
Northumberland£1,825Under 250Lower third
Norwich£1,854250 to 499Lower third
Nottingham£3,865500 to 999Upper third
Nuneaton & Bedworth£1,907Under 250Lower third
Oadby & Wigston£1,829Under 250Lower third
Oldham£3,5411,000 or moreUpper third
Oxford£2,311500 to 999Lower third
Pendle£3,7571,000 or moreUpper third
Peterborough£3,7701,000 or moreUpper third
Plymouth£2,626500 to 999Middle third
Portsmouth£2,532500 to 999Middle third
Preston£3,499Under 250Upper third
Reigate & Banstead£3,702500 to 999Upper third
Renfrewshire£3,226Under 250Upper third
Rhondda Cynon Taf£3,965Under 250Upper third
Rochdale£3,2441,000 or moreUpper third
Rotherham£3,644500 to 999Upper third
Salford£2,255Under 250Lower third
Sandwell£3,034250 to 499Middle third
Sefton£3,5531,000 or moreUpper third
Sheffield£2,269500 to 999Lower third
Slough£2,727Under 250Middle third
Solihull£2,4941,000 or moreMiddle third
South Cambridgeshire£2,1231,000 or moreLower third
South Gloucestershire£2,6821,000 or moreMiddle third
South Lanarkshire£3,188250 to 499Upper third
Southampton£1,4201,000 or moreLower third
St Helens£3,179500 to 999Upper third
Stockport£2,672250 to 499Middle third
Stockton-on-Tees£1,834250 to 499Lower third
Stoke-on-Trent£3,1231,000 or moreMiddle third
Sunderland£1,861250 to 499Lower third
Swansea£2,308250 to 499Lower third
Swindon£2,029250 to 499Lower third
Tameside£2,909250 to 499Middle third
Tewkesbury£3,162Under 250Middle third
Thanet£2,522250 to 499Middle third
Three Rivers£3,559250 to 499Upper third
Torfaen£1,513Under 250Lower third
Trafford£3,004Under 250Middle third
Wakefield£1,922500 to 999Lower third
Walsall£3,382250 to 499Upper third
West Northamptonshire£2,367500 to 999Lower third
Wigan£2,083250 to 499Lower third
Windsor & Maidenhead£2,642250 to 499Middle third
Wirral£1,826250 to 499Lower third
Wolverhampton£3,7401,000 or moreUpper third
Wrexham£1,436Under 250Lower third
York£1,566Under 250Lower third

Only the 100 most-quoted licensing authorities are listed. Authorities that license many drivers who work elsewhere are included. One authority with an unusually high average was excluded (see how we worked this out). An average quote is not a price: your own quote depends on you, your vehicle and your cover.

What actually sets your taxi insurance price

Where you are licensed is not the whole story. Insurers look at a long list of factors, including the eight shown here.

“These figures show how much taxi insurance quotes can vary across the UK. Location plays a big part, meaning where you live and where the taxi is kept overnight, but insurers also weigh who is driving, how far they drive and the taxi itself. When quotes can differ this much, comparing a wide panel matters. We work with some of the top-rated insurers, including Admiral, KinetiQ, Q, Inshur, KGM, Eridge, Collingwood, Markerstudy, SEIB, Sabre, Trident and ERS. We search them for each driver, and this summer 8 different insurers on our panel were the cheapest option for at least one driver.”

Craig Shaw, Director, insurd

Get a quote

Quotes vary a lot, so comparing insurers on our panel matters.

Eight factors that affect taxi insurance quotes: location, annual mileage, the vehicle, No Claims Bonus, driving record, age and experience, licence type and personal record

Factors that affect taxi insurance quotes.

How we worked this out

  • The data: insurd quote data for summer 2026 (July to September): more than 100,000 taxi and private hire insurance quotes across 370 licensing authorities, provided by insurers on insurd’s panel.
  • What we measure: the average annual quote for each licensing authority, across all quotes received. These are quotes, not policies sold.
  • Which authorities: the 100 most-quoted, which together make up 88% of all quotes. Public service vehicle (bus and coach) quotes are excluded. One authority with an unusually high average, more than a third above the next highest, was excluded and the next most-quoted authority included in its place.
  • The headline gap: the average of the five cheapest compared with the average of the five dearest of those 100 authorities.
  • No Claims Bonus figures: averages for drivers with at least four years’ No Claims Bonus. The national figure covers all authorities. The authority-by-authority comparison covers the 15 authorities shown.
  • Drivers who work elsewhere: authorities that license many drivers who live and work elsewhere are included in every figure, but are not highlighted individually in the charts.
  • Rounding: figures are rounded to the nearest pound.

Frequently asked questions

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It varies widely. The average annual quote across all the quotes in our summer 2026 data was £3,189. For drivers with at least four years' No Claims Bonus it was £2,166. By licensing authority, the five cheapest of the 100 most-quoted authorities averaged £1,519 and the five dearest £4,929. Your own quote depends on many factors.

Average quotes differ a lot between licensing authorities, but your own quote depends on many factors, not just where you are licensed. Location plays a big part, meaning where you live and where the taxi is kept overnight. Insurers also weigh who is driving (for example age and driving experience, claims and points, and No Claims Bonus), how far they drive each year, and the taxi itself, including its type, age and value.

Averages reflect the drivers quoting as well as the area. Age, No Claims Bonus, mileage and the vehicle all vary between authorities, and some licensing authorities license large numbers of drivers who live and work elsewhere. We haven't tried to pin the gap on one cause.

An average quote is the average of the quotes we received from insurers on our panel for drivers licensed by an authority. It is not a price list and not a guarantee. Your quote depends on you, your vehicle and the cover you choose.

Drivers with at least four years' No Claims Bonus averaged £2,166 in summer 2026, about a third (£1,023) lower than the £3,189 average for all drivers. That is an average across many drivers, not what any one driver will be quoted.

Quotes can differ a lot between insurers, so compare more than one. Check that your mileage, vehicle and personal details are accurate, because they all affect the quote.

It comes from insurd quote data for July to September 2026: more than 100,000 taxi and private hire insurance quotes across 370 licensing authorities, provided by insurers on insurd's panel. The table shows the 100 most-quoted authorities.

Yes. You are welcome to use them with a credit to insurd and a link to this page.

Using this data

You are welcome to use these figures with a credit to insurd and a link to this page.

Source: insurd Taxi Average Premium by Licensing Authority 2026 (https://insurd.co.uk/taxi-insurance/cost-by-licensing-authority/).

insurd Limited, authorised and regulated by the Financial Conduct Authority (Firm Reference Number 308508).

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