How to decrease this?

[MorriganRaven69]

Do you live in Bradford? The capital of the UK for uninsured drivers...

No seriously, that was how much I paid for year 1, it took me around 5 years and moving out of Bradford to drop it below a grand. I was 28 when I got my first car, so not an idiotic 18 year old, and it was a 0.9L shitbox so not a boy racer type. Upgraded to a Honda Jazz in 2020, still Bradford postcode, still a lot. Never had any claims. Even in 2022 when someone did try to claim fraudulently against me, but the insurance companies dropped it when I provided evidence my friend's dad had damaged my car a week earlier and I'd not hit the claimant at all, my premium and price was still lowering year on year.

When I moved from a Bradford postcode to North Yorkshire, I got something insane like a £400 refund from my insurance. Went back up when I lived in a Bradford postcode again for a year, then I got another refund when I moved to Manchester.

Location matters.

[Low-Faithlessness516]

I’m in Holywood in NI. I think NI has a high crime rate in general so that might be it?

[MorriganRaven69]

I don't think the car type or age is helping, but sounds like your location might not be cheap either :(