Premiums are rising to recover increasing costs, according to the AA's British Insurance Premium Index. The AA Index has tracked quarterly moves in car and home insurance premiums since 1994. The October AA Index shows that while the average premium over the past quarter has risen by 1%, the lowest premiums have risen by more than 3% over the past quarter, bringing the 'shop around' rate to £484 for comprehensive and £548 for non-comprehensive motor policies. The average annual premium for comprehensive insurance, according to the Index, is £776 (a rise of 1.14% over the past quarter) and for non-comprehensive it is £912 (1.23%).