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-old now stands at £1,156***.

Switching car insurance is a great way for drivers to cut the cost of their premium – you could save up to £324** by choosing a better deal.

***51% of young drivers between 17-24 years old could achieve a quote of up to £1,156 for their car insurance based on Compare the Market data in June, 2022.

**Based on Online independent research by Consumer Intelligence during June 2022, 51% of customers could achieve this saving on their car insurance through Compare the Market.

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How much does car insurance cost for young drivers?

The average young driver insurance premium is £1,156***. Unfortunately, young drivers generally pay the most for their car insurance, because they’re statistically among the most likely to be involved in an accident and need to make a claim.

***51% of young drivers between 17-24 years old could achieve a quote of up to £1,156 for their car insurance based on Compare the Market data in June, 2022.

Why is car insurance for young drivers so expensive?

It's hard to find cheap car insurance for young drivers 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. According to the Department for Transport, out of 44,963 car accidents in 2020, 8,358 (18.59%) involved drivers aged 17-24.

One of the biggest benefits to older drivers is that a clean driving history rewards them with a no claims bonus. But, if you’re a young driver, you won’t have had a chance to build one of these, as you simply haven’t been on the road long enough. Unfortunately, if you’re a young driver, experience is one of the biggest ways to get cheaper car insurance, and so we’re sorry to say that you’ll need to drive safe and be patient.

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

If you’re looking for cheap car insurance for young drivers, 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.

Black box insurance, 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.

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, start looking to switch to another provider three weeks before your policy end date.

There’s no need to do all the legwork yourself. Set up automated quotes with us and we’ll let you know if you can get a cheaper car insurance quote ahead of your renewal.

What level of car insurance can young drivers get?

There are three types of cover to consider:

  • Third party insurance – the most basic level 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.

While it might not seem logical, fully comprehensive insurance can be the cheapest type of car insurance for some drivers. So, if you’re looking for cheap car insurance for young drivers, it’s worth comparing the different types of policy.

What do I need to get a car insurance quote?

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.

Frequently asked questions

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

As long as they have no previous claims or convictions, it could reduce the cost of your premium, especially for a young or first-time driver.

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.

Will a driving course help reduce the cost of insurance?

Possibly, yes, as passing an advanced driving course helps prove that you’re a safer driver and a lower risk of making a claim, which can be rewarded with cheaper car insurance.

If you’re interested in taking an advanced driving course, you can find out more about them here.

What is the best insurance group for young drivers?

The best car insurance groups for young drivers, and by best we mean “cheaper”, are the lower groups.

Cars are split into 50 car insurance groups. The cheapest makes and models to insure are in the lowest groups (e.g. group one), while more expensive models to insure tend to be in the higher groups (e.g. group 20 and above).

Can I get added upgrades or additional cover as a young driver?

Even as a young driver, you can add plenty of extra cover options to your policy:

  • Breakdown cover – to get you back on the road as soon as possible.
  • Personal accident cover - if you or a passenger are killed or seriously injured in a car accident, personal accident cover can pay out compensation.
  • Motor legal protection – could cover expenses if legal action is taken after an accident.
  • Lost keys cover – can pay towards the costs of replacing and reprogramming them.
  • No claims discount protection – if you’ve done an amazing job of building up a long no claims discount, it's worth protecting, so you don’t lose it if you end up making a claim.
  • Windscreen cover – even small chips and cracks can lead to more serious and expensive problems.

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.

When does car insurance get cheaper for younger drivers?

Typically, car insurance gets cheaper when a driver turns 21.

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.

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.

Author image Kate Hughes

What our expert says...

“Car insurance for young drivers is rarely cheap, but scrimping on cover isn’t always the best the way to save. You could go for the minimal cover offered - third party insurance - to comply with the law. But it's definitely worth investigating other options such as telematics, going for a less powerful motor or simply resisting the temptation to pimp your ride, while sticking with comprehensive cover to keep costs down."

- Kate Hughes, Insurance expert

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