Car insurance for 18 year olds


Get 2 for 1 cinema tickets* only when you buy through comparethemarket.com

Get 2 for 1 cinema tickets* only when you buy through comparethemarket.com

Welcome back
Your lowest price was Update your previous quote
Aleksandr and Sergei driving a SUV

Save money on car insurance for 18-year-olds

You’ve passed your driving test and bought your first car – now you need a great insurance deal. But what kind of car insurance is best if you’re new to the road?  And with very little driving experience under your belt, how can you get cheap car insurance at 18 years old? That’s where we can help, with our simple guide to helping you find your ideal insurance provider. 

Looking for something else?

Why is 18-year-old car insurance so expensive?

To put it simply, statistics show that young drivers of student age are more likely to be involved in a car accident. In fact, one in four 18 to 24-year-olds (23%) are involved in a crash within two years of passing their driving test.

What type of insurance is available to 18-year-olds?

There are three main options to consider, and they offer varying levels of protection at different prices.

Third party is the legal minimum level of cover. If you’re responsible for an accident, this will cover any damage you cause to other people and their property. It will not cover any injury to you or damage to your car.

Third party fire and theft offers the same protection as a third-party policy, but it also includes cover for the theft of your vehicle or damage by fire.

Comprehensive gives you all the benefits of a third-party fire and theft policy, but will also protect you as a driver and will pay out for damage to your car.

Is third party insurance always the cheapest option?

No, although most people assume that third party car insurance will be the cheapest as it offers the lowest level of cover. The type of car insurance that’s best value for you as a young or learner driver will depend on your personal information. That’s why you should always compare prices for all types of cover before making a decision.

How can I reduce the cost of car insurance for 18-year-olds?

While young driver car insurance is unlikely to ever be described as cheap, there are ways that you can bring down the cost of your premium.

Avoid car modifications

While you might think fitting alloy wheels and a top-of-the-range stereo system to your new car is a good idea, your insurance provider probably won’t. Modified cars are more attractive to thieves and there is a greater risk of theft or attempted theft, so your insurance premiums could increase.

Choose your car wisely

If you opt for a new, expensive or very powerful car, your premium could be high. On the other hand, an older model with a smaller engine could give you a more reasonable deal on your insurance.  Less expensive cars aren’t usually targeted by thieves and they’re often cheaper to repair. Take a look at our Young Driver’s report and cheapest cars to insure pages for more information.

Park off the street

If you can, keep your car on a private driveway or in a secure garage.  If you leave it on the street, insurance providers consider it more likely to be stolen and your insurance premium could go up accordingly.

Add another driver to your insurance

If you share your car with an older, more experienced driver, you could save money by adding them to your policy. Because you’ll be spending less time in the car, your insurance provider could reduce your premium as you’ll have less chance of having an accident. If you use the car most frequently, you must be named as the main driver. If another person poses for you as the main driver on the policy, you’re committing a crime known as ‘fronting’, which is a type of fraud, and you could face prosecution.

Consider a telematics policy

Telematics insurance, or black box insurance, rewards good driving. A small device is installed in your car (or you download an app to your phone) that tracks your speed, acceleration, braking and cornering, among other things. Your insurance provider then uses this information to decide how you drive. If your drive safely, you could be offered a discount.

Why compare 18-year-old car insurance with comparethemarket.com?

We independently compare over 100 of the UK’s most trusted car insurance providers to provide cheap car insurance for 18-year-olds.

We’ll show you policies based on price, policy cover level, add-ons and annual or monthly payment terms – helping you compare policies based on your needs.

And that’s not all… Buying car insurance through comparethemarket.com means you get MEERKAT MOVIES*. This will give you 2 for 1 cinema tickets on Tuesdays or Wednesdays, every week, for a whole year.