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Cost to buy a SIM CARD.

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Hello,

I am going to be visiting the UK from the USA for a few weeks. I already have a unlocked GSM phone and all I need is a SIM CARD and I need to load it up to use. My question is can I buy a sim card at a fueling station or shop where I am able to buy a SIM and Top up the card or do I need to get a SIM in advance? Also How much do the SIM cards cost in the shops? I am looking for a SIM CARD carrier that have good rates to call back to the USA and that has good coverage. Do I need to worry about roaming or any such? I will only be in London, Birmingham areas.
Thanks in advance.

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