What your postcode does to your premium
Every coloured area is a neighbourhood (an LSOA / Data Zone) scored for car-insurance risk from open data, then calibrated against published price indices. Click one on the map, or read the district extremes below.
Typical annual, base profile.
Typical annual, base profile.
How the map is built
The risk score behind every area comes entirely from open data — Open data: police.uk, Police Scotland, DfT, ONS, NRS, MHCLG/WG/SG. Neighbourhood features (vehicle crime, traffic intensity, crime deprivation, the share of young drivers and cars per household) are ranked within comparable groups and combined into a single relative risk index.
That index is calibrated to published car-insurance price indices, so the pounds you see track the real market rather than an abstract score — R² 0.9304 across 106 anchor areas (model db4916b65f99, calibrated 2026-07-18).
Two grains sit side by side on purpose. The map colours and the clicked-area figures are street-level (the model’s own base profile). The headline in the panel is a postcode-district figure, scaled to your age the same way the First-Car Finder is, so the two tools agree on what an area does to a premium.
These are estimates built from public data, not quotes, and Vouched does not give insurance advice.
Questions
Is this a quote?
No. It is a modelled estimate from open data, meant to show how much your area moves a premium. A real quote depends on you, your car and your history — when you buy through Vouched we introduce you to authorised providers for one.
Why does my street differ from my district figure?
They are two different grains. The map paints each small neighbourhood on the model’s own base profile, while the panel headline is a whole-district typical, scaled to your age. A district spans many neighbourhoods, so your exact street can sit above or below its district average.
Where does the data come from?
Entirely open sources — Open data: police.uk, Police Scotland, DfT, ONS, NRS, MHCLG/WG/SG — combined into a territorial risk index and calibrated to published price indices. Scottish areas are ranked within Scotland because they use a different crime source, so their colours are comparable within Scotland rather than against England and Wales.