A simples guide

Compare Cheap Car Insurance for Young Drivers

Finding cheap car insurance isn’t easy, especially if you’re a young driver. That’s why we’ve put together these top tips to help you save money on your premium.

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Why is car insurance for under 25s so expensive?

Young drivers face expensive car insurance because statistics show that they’re more likely to have an accident than other age groups. In fact, according to the road safety charity Brake, drivers aged 16-19 are a third more likely to have a fatal accident than older drivers aged 40 to 49. As a result, car insurance providers consider young drivers a higher risk as they’re more likely to make a claim – and that pushes the price of their premiums upwards.

compare cheap car insurance for young drivers

How to save money on car insurance for young drivers

Check out our tip tips on getting a good deal on your car insurance:

Choose a cheaper car to insure

The car you drive can have a big impact on your insurance, with some models offering lower premiums, on average, than others. Always check which insurance group a car is in before you consider buying it. For example, our latest Young Drivers Report highlights the VW Up! as the cheapest car to insure.

Add a responsible named driver 

If you share your car with a more experienced driver, you could cut the cost of your premium by adding them as a named driver to your insurance policy. Even adding a second driver with a low-risk occupation could reduce your premium. Just remember, though, it’s illegal to say the other person is the main driver of the car if that isn’t actually the case. This is known as fronting, a form of insurance fraud, which at the very least this can invalidate your insurance policy but could lead to a criminal conviction.

Tips for cheaper car insurance for young drivers

Third party cover might not be the cheapest option

Because third party car insurance offers the most basic level of cover, it’s easy to see why many young drivers assume it’s the cheapest option. This isn’t always the case though, as car insurance prices are dependent on each individual’s circumstances. Compare car insurance with us and you can look at prices for the three main types of car insurance: third party, third party fire and theft and comprehensive.

Consider a black box policy 

Sometimes called telematics, a black box policy rewards good drivers. A small device about the size of a mobile phone is installed in your car, or you download an app to your phone, which monitors aspects of your driving, such as acceleration, braking, cornering and the time of day you drive. You could receive a discount on your premium for good (lower risk) driving but, be warned, your premium can go up with bad (higher risk) driving.

Take an advanced driving course

An advanced driving course, such as Pass Plus, may help you get a discount on your car insurance. Always check with your insurance provider before you take a course, though, as not all providers offer a discount simply because you have an extra driving qualification.

Can you reduce your mileage?

It stands to reason that if you limit the amount of time you’re on the road, your insurance provider may consider you a lower risk and therefore reduce your premium.

Your provider will ask how many miles you drive on average – it’s one of the main factors used to calculate your insurance premium. Set your mileage as low as you can, but be realistic. If you make a claim and your provider discovers your estimate wasn’t accurate, they could decide not to pay out.

Lowering your mileage for a cheaper premium

Increase your voluntary excess

All car insurance policies have an excess, which is the amount you’ll have to pay if you make a claim. If you choose to pay a higher voluntary excess, you could see a reduction in your premium. Be aware, though, that this could cost you more should you make a claim, as you’ll have to pay this higher voluntary excess as well as the compulsory excess set by the provider. 

Pay in one go

If you can afford to pay your yearly premium in one go, you could save money. Despite the obvious attraction of spreading the cost of your car insurance, your provider could charge you interest on the monthly instalments.

The place you park and lower your insurance premium

Park your car off the road

Where you park your car overnight can make a difference to your premium. If possible, park on a private driveway or in a secure garage. Keeping your car off the street reduces the chances of it being vandalised or stolen.

Improve your car’s security

Fitting an industry-approved alarm or immobiliser might help to cut the cost of your car insurance. You may need to speak to your insurance provider directly to get any saving reflected, and it’s a good idea to check whether the costs of these products outweigh any potential saving.

Avoid modifications

No matter how tempting it might be to customise your wheels, don’t do it! Any modifications could make your car more attractive in the eyes of a thief and your car insurance may go up to reflect this increased risk

Don’t pay for cover that you don’t want

Some policies include extra benefits, such as a courtesy car, windscreen cover, breakdown cover and motor legal protection. If you don’t want these extra levels of cover – they can add up to a considerable amount – take them off.

compare young driver car insurance

How can I find a good deal on young driver car insurance?

It’s easy! Use our price comparison service and we’ll show you some great deals from more than 100 of the UK’s most trusted car insurance providers. You can compare the policies based on price, cover level, add-on, or annual or monthly payment, helping you to find affordable car insurance that suits your needs.

Looking for a Quote?

Get a new car insurance quote in seconds and start saving

Get a quote