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Young driver’s car insurance

Save up to £235** 

Save up to £235** 

Save up to £235** 

Save up to £235** 

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How to get car insurance for young drivers 

Driving can be pretty expensive when you first start out.
Over the past six months, the average premium for a 17-24-year-old jumped by 3.6% to £1,264**. However, over the past year, premiums for the age group have fallen by 1.3%, equating to £17**.

Find out all you need to know about young drivers car insurance, including car insurance for 21-year-olds.

**Compare the Market's Young Drivers research from March 2020.

Frequently asked questions

Why is car insurance for young drivers so expensive?

It’s because there’s a far bigger risk of young drivers crashing than older drivers. Road safety charity Brake reports that one in four 18-24-year-olds have an accident within 24 months after their test. 

And young drivers starting out can’t call on a history of no claims discount, which would otherwise help to stop the cost of insurance ramping up. 

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.   

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. 

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. 

At what age does car insurance get cheaper for younger drivers?

Typically, car insurance gets cheaper for younger drivers when they turn 21. Our data shows that the average cost of car insurance for young drivers aged 21-24 is £1,141.90^^ per year. That compares to an average yearly price of £1,465.26^^ for drivers under 20.  
Even at 21, you’ll probably find your premium is considerably more than an older, more experienced driver’s. That means 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 October 2019 to 1 January 2020. 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.  
  • Third party fire and theft insurance – in addition to the above, your vehicle is covered if it’s stolen or damaged by fire.
  • Fully comprehensive insurance – includes all of the above, but also protects you as a driver and will pay out for damage to your car. 

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

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 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 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.

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. 

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