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Young driver’s car insurance

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How to get car insurance for young drivers 

Driving can be pretty expensive when you first start out. The average car insurance premium for a 17-24-year now stands at £1,182*** - that’s a small decrease of £38*** over the past year.

Switching car insurance is a great way for young drivers to cut the cost of their premium – you could save over £203** by choosing a better deal. Here’s what you need to know about young drivers car insurance, including car insurance for 21-year-olds.

**Compare the Market, Premium Drivers Index, June 2020.
***Compare the Market's Young Drivers research from July 2020.

Why is car insurance for young drivers so expensive?

Car insurance for young drivers is costly because there’s a far bigger risk of them crashing (particularly those under the age of 25) – meaning they present a bigger risk to insurance providers.

It’s estimated that one or two in ten new drivers have a crash within the first six months of passing their test. And around 10% are caught committing a driving offence in their first two years, according to a 2018 Department for Transport report.

How will a black box policy affect my car insurance?

A black box policy, aka telematics insurance, can help you save money on your young driver insurance. A little box fitted to your car lets your insurance provider monitor your driving – from the way you corner, to your speed and braking. If the data shows you’re a safe driver, your insurance provider could offer you a reduced premium. 

To qualify for lower insurance premiums, some telematics providers may limit your mileage, or restrict the hours during which you can drive (night driving, for example). A penalty may be imposed if you don’t stick to the limits. For that reason, it’s a good idea to compare policy restrictions as well as the price.

How can I get cheaper car insurance as a young driver?

There may be ways that you can keep your insurance premiums in check. 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, making you less of a risk in the eyes of insurance providers.

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 do 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 it’s accurate though. 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 often end up costing more because you’re likely to be charged interest.

Adding an experienced named driver to your policy: This is a legitimate way to bring the cost down. But you have to make sure you don’t give false information about who the main driver is. This is known as ‘fronting’ – a type of fraud that may invalidate your policy. It’s also important to be honest in all other information you provide, such as where the car’s kept.

Opting to pay a higher excess: The excess is the amount you have to pay towards a claim. Opting to pay more can bring down your premium, but you need to be sure you can afford the excess if you have to claim on your insurance.

Shop around: Young drivers who shop around can make savings on their annual premium. If your car insurance is up for renewal, the best time to look at switching to another provider is three weeks before your policy end date.

There’s no need to do all the legwork yourself. When you automate your car insurance with AutoSergei™, he’ll let you know if there’s a better deal available before your renewal. See how AutoSergei works.

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 can cover you for any damage to another person’s vehicle or any injury you cause to someone else as the result of an accident.
  • Third party fire and theft insurance – in addition to the above, your vehicle could be covered if it’s stolen or damaged by fire.
  • Fully comprehensive insurance – includes all of the above, but could also protect you as a driver, and will pay out for damage to your car.

What are the cheapest cars to insure for young drivers?

These cars top the list of the cheapest to insure for 17 to 24-year-olds:

Model Average premium****
CITROEN C1 FEEL VTI 68 £719.47
PEUGEOT 107 ACTIVE £721.19
FORD KA EDGE £724.98
Fiat 500 Lounge £736.22
TOYOTA AYGO + £888.08

****Average price amount based on the top five quotes from Compare the Market data from 1 March 2020 to 1 June 2020. The average is based on all variations of the vehicle model and uses risk data from people with different age ranges, addresses and driving histories. You may find a cheaper or more expensive quote based on our circumstances.

What are the most popular cars for young drivers?

These cars top the list when it comes to the number of insurance quote requests from young drivers.

Model Average premium****
Ford Fiesta Zetec £1,059.74
Fiat 500 Lounge £736.22
Ford Fiesta Zetec (80) £876.83
Mini One £881.67
Mini Cooper £998.34
Vauxhall Corsa Limited Edition £1,072.33
Fiat 500 Pop £765.17
Vauxhall Corsa SXi £1,173.58
Ford Fiesta Zetec Climate £1,050.98
Vauxhall Corsa SXi (79) £1,179.42

As you can see, the exact model can make a big difference to what you could pay for your car insurance.

****Average price amount based on the top five quotes from Compare the Market data from 1 March 2020 to 1 June 2020. The average is based on all variations of the vehicle model and uses risk data from people with different age ranges, addresses and driving histories. You may find a cheaper or more expensive quote based on our circumstances.

Frequently asked questions

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 may help reduce the cost of your premium.

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

How much voluntary excess should I pay on my car insurance?

Choosing a higher voluntary excess could be another way of keeping car insurance costs down for the younger driver.

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.

If I’m not driving my car for a while, does it still need to be insured?

Provided your car is on the road, it needs to be insured whether you drive it or not. If you’re not going to be driving your car and you don’t want to pay tax or insurance on it, you need to declare it off-road by making a Statutory Off Road Notification (SORN). You can do this via the DVLA.

Once you’ve declared your car off-road, you can’t drive it on a public road and you’ll need to park it on your driveway, in a garage or on private land.

When does car insurance get cheaper for younger drivers?

Typically, car insurance gets cheaper when a driver turns 21. Our data shows that the average cost of car insurance for young drivers aged 21-24 is £1,045.40^^ per year. That compares to an average yearly price of £1,324.73^^ for drivers under the age of 20.

Even at 21, you’ll probably find your premium is considerably more than an older, more experienced driver’s. So it’s still worth shopping around to see if you can 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 2020 to 1 June 2020. The average is based on all variations of the vehicle model and uses risk data from people with different age ranges, addresses and driving histories. You may find a cheaper or more expensive quote based on our circumstances.

Where can I compare car insurance quotes for young drivers?

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.

Dan Huston

From the Motor team

“Young drivers pay more than older motorists for car insurance. But significant savings can be made by choosing a car in a cheaper insurance group and shopping around. Opting for a telematics (black box) policy can pay off too.“

What do I need to get a car insurance quote?

You can get a quote in less than five minutes^^^. Just tell us a bit about yourself and your car, including:

  • some personal details – your age, address and job
  • your car registration number
  • how you use your car – for work, leisure or commuting – and how many miles you drive in a year
  • your driving history – any convictions, accidents and insurance claims in the last five years
  • details of any additional drivers you want on your policy.

^^^On average, it can take less than 5 minutes to complete a car insurance quote through Compare the Market based on data in May 2020.

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