Young driver car insurance


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Frequently asked questions

  • Why is car insurance for new drivers so expensive?
  • How will a black box policy affect my car insurance?
  • Can I save money by adding another driver to my policy?
  • Should I opt for a higher voluntary excess?
  • Will my car insurance go down when I'm 21?
  • What types of car insurance are available for drivers under 25?
  • What else can I do to reduce the cost of my car insurance?
  • Where can I compare young driver insurance?

Why is car insurance for new drivers so expensive?

Statistics show that younger drivers are far more likely to be involved in an accident, compared to those aged 25 and over. According to road safety charity Brake, 23% of 18-24-year-olds crash within two years of passing their driving test. Insurance premiums are calculated to reflect these risks.  

Also, as a young driver, you won’t have had a chance to build up a no claims discount, which can help keep costs down when it’s time to renew your car insurance. 

How will a black box policy affect my car insurance?

A black box policy, also known as telematics insurance, is one way to help save money on your car insurance.  

A small device is fitted to your car, or you can download an app, which then monitors the way you drive. This information is passed on to your insurance provider, who may reward you with a lower premium if they consider you a safe driver. 

Can I save money by adding another driver to my policy?

As a young or first-time driver, it could be worth adding a more experienced driver to your policy. As long as they have no previous claims or convictions, it could help reduce the cost of your premium. 

Just make sure you’re named as the main driver, otherwise it will be seen as a type of fraud called car insurance fronting, which, at the very least, could invalidate your policy. 

Should I opt for a higher voluntary excess?

Choosing a higher voluntary excess could be another way of keeping your car insurance costs down. Just make sure you can afford to pay both the compulsory excess set by the insurance provider, and your chosen voluntary excess if you need to make a claim. 

Will my car insurance go down when I'm 21?

It may do. Our data shows that the average cost of car insurance for young drivers aged 21-24 is £1,095.38^^ per year, compared to an average yearly price of £1,446.25^^ for drivers aged under 21. This is because statistics show there’s less risk of you being involved in an accident.

Even so, you’ll probably find your premium is considerably more than an older, more experienced driver’s. So it’s still worth shopping around to find cheap car insurance for 21-year-olds.  

^^Average price amount based on the top five quotes from Compare the Market data from 1 March to 1 June 2019. You may find a cheaper or more expensive quote based on your circumstances.

What types of car insurance are available for drivers under 25?

There are three types of cover to consider:

  • Third party insurance – the most basic type of cover you need to drive legally. It covers you for damage you cause to another person’s vehicle, or any injury you cause to someone else.  

What else can I do to reduce the cost of my car insurance?

Here are a few tips. Think about:

Driving well

Penalty points and speeding fines could result in a higher premium, so drive carefully. Also remember that if you get six or more penalty points in your first two years of driving, your licence will be cancelled.  

You could consider a Pass Plus driving qualification, which may help lower your premium by showing your competence as a safe and skilled driver.

The type of car you own, and its value

The value of your car, and even the model, can affect your insurance. If your first car is a new, high-powered or luxury vehicle, your premium will most likely be higher. While a more basic model with a smaller engine might not be what you want, it could save you money in the beginning. 

Extra security

Fitting an alarm or immobiliser reduces the risk of your car being stolen, so this could help lower your premium. 

Avoiding modifications

From an insurance point of view, popular modifications such as a new spoiler or stereo system put your car at a higher risk of being stolen. Some insurance providers may refuse to insure cars with modifications, while those that will might charge a significantly higher premium.

Limiting your mileage

Limiting the amount of time you’re on the road will reduce your risk of having an accident, and could help lower your premium. Your insurance provider will want to know your annual mileage, so try to keep it as low as possible. Make sure your mileage is accurate though, as a false mileage count could invalidate your policy.

Paying upfront

If you can afford to, it’s a good idea to pay your yearly insurance in one go. Monthly instalments could end up costing more because of interest.

Shop around, sooner rather than later

If your car insurance is up for renewal, the best time to look at switching your car insurance to another provider is three weeks before your policy end date. According to our data, a driver under the age of 24 could make an average saving of £496.16^^^ compared with switching on the policy start date.

^^^All average price amounts based on Compare the Market data from 1 March 2019 to 1 June 2019. You may find a cheaper or more expensive quote based on your personal circumstances.

Where can I compare young driver insurance?

Right here at Compare the Market. We independently compare a wide range of the UK’s most trusted car insurance providers to offer young drivers competitive car insurance deals.  

Compare car insurance for young drivers today and see if you can start saving. 

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