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Young driver insurance

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What is young driver insurance?

Young driver insurance is car insurance for drivers aged 17-24. It’s not a specialist policy or separate product. But it does tend to carry higher insurance premiums than policies for drivers in older age brackets. That’s because young drivers are viewed as a higher risk by insurance providers.

What type of insurance do young drivers need?

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 damage to another person’s vehicle or any injury you cause to someone else as the result of a collision. It won’t cover you or your vehicle in the event of an accident.
  • Third-party fire and theft insurance – in addition to the above, this can cover your vehicle if it’s stolen or damaged by fire. But it won’t cover the costs of repairing or replacing your car following an accident.
  • Comprehensive insurance – includes all of the above, as well as cover for you and your car if you’re involved in an accident.

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

 

What young person car insurance options are there?

There are a few different options that could be suitable for younger drivers, including.

Black box insurance

Black box, or telematics, insurance monitors your driving through a device that’s fitted to your car. Insurance providers then look at the data collected to determine how safe a driver you are. The safer you are on the road, the lower your premiums are likely to be.

Pay-as-you-go insurance

Pay-as-you-go (PAYG) insurance could benefit young drivers who don’t cover many miles. Instead of paying an annual premium or set monthly instalments, you pay for the distance you drive.

Named driver insurance

By adding an experienced named driver – a parent, for example – to your policy, you might be able to lower the cost of your young driver insurance. That’s because you’re likely to be spending less time behind the wheel than you would if you were the sole driver. Be mindful of ‘fronting’, though – misleading insurance providers about who does the majority of the driving.

Learner driver insurance

Learning to drive in a friend’s or relative’s car? Learner driver insurance can give you separate cover from the car owner’s insurance. That means if you have an accident, their no claims bonus won’t be affected.

Why is young driver insurance so expensive?

The cost of car insurance for young drivers is typically higher because they’re considered more likely to make a claim. In fact, according to UK government data, around 24% of all fatal collisions involve drivers aged 17-24.

Our figures show that 51% of customers aged between 17 and 24 could achieve a quote of  £2,116[1] for their car insurance, compared with £473[2] for 51% of drivers aged over 50. 

[1] 51% of young drivers between 17-24 years old could achieve a quote of up to £2115.69 for their car insurance based on Compare the Market data in March 2024.

[2] 51% of over 50s could achieve a quote of up to £472.50 for their car insurance based on Compare the Market data in March 2024.

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

The information in this video is available as a text transcript.

If you’re looking for cheap under-25 car insurance, think about:

  • The type of car you own and its value: the value of your car and the model you drive can affect your insurance premiums. If your first car is a new, high-powered or luxury vehicle, your premium will most likely be higher.
  • Adding an experienced named driver to your policy: as long as they have no previous claims or convictions, a named driver could reduce the cost of your young driver insurance. But be wary of fronting, which could invalidate your insurance.
  • Driving well: penalty points and speeding fines could result in a higher premium, so drive carefully. And consider black box insurance or a Pass Plus driving qualification, which may help lower your premium by showing you’re a safer driver.
  • Limiting your mileage: limiting your annual mileage will reduce your risk of having an accident and could help lower your premium.
  • 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.
  • 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 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. 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.
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 way to save. You could go for the minimal cover offered – third party insurance – to comply with the law. But it’s worth investigating other options, such as telematics and comprehensive cover, to keep costs down."

- Kate Hughes, Insurance expert

How to get car insurance for young drivers

If you’re looking for cheap young driver insurance quotes, comparing through Compare the Market is a great way to cut the cost of your premium. You could save up to £969[2] by choosing a better deal.

[2] Based on Online independent research by Consumer Intelligence during March 2024, 51% of customers age under 35 could achieve this saving on their car insurance through Compare the Market.

What do I need to get a young driver 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
  • 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.

Compare quotes for young driver’s insurance

Frequently asked questions

What’s the cheapest insurance group for young drivers?

Cars are split into 50 car insurance groups. The cheapest makes and models to insure are in the lowest groups (for example, group 1), while more expensive models to insure tend to be in the higher groups (for example, group 20 and above).

What’s the best insurance for young drivers with no black box?

Comparing quotes for comprehensive cover, choosing a cheaper, less powerful car and steering clear of modifications could all help you get cheaper car insurance without fitting a black box. 

And black box or no black box, if you’re a careful driver, building a no claims bonus can reward you with lower premiums eventually.

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

Yes, young drivers can add optional extras to their policy. However, additions will bump up your premium, so think about whether you really need them:

  • Breakdown cover – to get you back on the road as soon as possible if you break down.
  • Personal accident cover – could pay out compensation if you or a passenger are killed or seriously injured in a car accident.
  • 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 keys.
  • No claims discount protection – if you’ve built up a good no claims discount, it’s worth protecting it so you don’t lose it if you make a claim.
  • Windscreen cover – cover to repair or replace your windscreen.

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Page last reviewed on 13 MAY 2024
by Julie Daniels