Car insurance in North West

Where you live and park is one of the factors insurers use to price car insurance, alongside your age and experience, the car, your mileage and your claims history. (MoneyHelper) Here is how North West compares with the rest of England on the public figures linked to car insurance claims.

At a glance

North West recorded 39.2 vehicle crimes per 10,000 people (year ending March 2026), 21% lower than England (49.8). That is 4th lowest of 9 areas in England.

The local figures

Vehicle crime

39.2 per 10,000 people

21% lower than England (49.8)

4th lowest of 9

Vehicle crime recorded by the police. Theft claims are one of the costs insurers price for. Police-recorded vehicle offences: theft of and from vehicles, aggravated vehicle taking and interfering with a vehicle. Recorded under the Home Office Counting Rules, which differ from Scotland's, so compare only with other areas in England and Wales.

year ending March 2026 · Home Office: Police recorded crime, Community Safety Partnership open data tables

Road casualties

161 per 100,000 people

20% lower than England (201)

2nd lowest of 9

People injured or killed in collisions reported to the police. Counted where the collision happened, not where the person lives. Small areas can swing a lot from year to year.

2025 · Department for Transport: Road Safety Data (STATS19), 2025

Households without a car or van

24.7%

About the same as England (23.5%)

3rd highest of 9

From the census. Shows how much the area relies on cars; it is context, not something insurers price on.

Census 2021 · ONS: Census 2021, TS045 Car or van availability

What this means for your premium

These figures describe the area, not you. Insurers use their own data to price risk, and where you live is one input among many, so two drivers on the same street can be quoted very differently. A higher local theft or casualty rate doesn't mean your premium will be higher; it shows the kind of claims insurers in this area have to cover.

What you can control: the cover level, your excess, security, where the car is kept overnight, and telling your insurer the truth about all of it. A wrong answer about where the car is kept can invalidate a claim.

Our car insurance guide explains each factor.

Council areas in North West

AreaVehicle crime
per 10,000 people		Road casualties
per 100,000 people		Households without a car or van
%
Manchester79.614439.0%
Hyndburn79.226025.3%
Blackburn with Darwen60.323826.9%
Oldham60.09927.6%
Rochdale56.411626.3%
Blackpool56.027334.0%
Burnley53.722629.3%
Preston53.627527.7%
Salford53.512533.2%
Liverpool53.322340.1%
Tameside47.19926.1%
Bolton45.312324.8%
Trafford44.99819.3%
Wigan42.47921.3%
Bury38.59822.1%
Stockport36.69419.7%
Rossendale35.617518.3%
St. Helens32.115923.2%
Lancaster30.821622.7%
Pendle30.218323.3%
Fylde27.527516.8%
Warrington27.319117.4%
Halton26.712423.8%
Chorley26.424614.6%
South Ribble23.923714.3%
Sefton23.212926.4%
Wyre22.521718.4%
Wirral22.012725.1%
West Lancashire21.020618.0%
Knowsley20.313131.2%
Ribble Valley20.219611.4%
Cheshire East17.016414.5%
Cumberland16.117020.3%
Cheshire West and Chester13.917916.7%
Westmorland and Furness12.021617.6%

Sources and method

  1. Home Office: Police recorded crime, Community Safety Partnership open data tables OGL v3.0
  2. Department for Transport: Road Safety Data (STATS19), 2025 OGL v3.0
  3. ONS: Census 2021, TS045 Car or van availability OGL v3.0
  4. ONS: Population estimates for the UK, mid-2025 OGL v3.0 · population used for the rates
  5. MoneyHelper: Car insurance, what you need to know

Rates are worked out from the published counts and the area's population. Areas are council areas as defined by the Office for National Statistics. Boundaries: Office for National Statistics, licensed under the Open Government Licence v3.0. Contains OS data © Crown copyright and database right 2026. How we work.