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Compare young drivers car insurance quotes

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*51% of customers received a quote of £593.60 or less for Comprehensive Insurance between October and December 2020, when using our journey via Confused.com

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Find the young driver insurer that suits you

Get a detailed insight into the top young driver insurance providers or cast your net wider by viewing all car insurance companies...
Admiral logo

Admiral

AA car insurance logo

AA

Churchill car insurance provider logo

Churchill

Hastings direct car insurance

Hastings Direct

Quotemehappy.com car insurance provider

Quotemehappy

RAC insurance logo

RAC

Tesco Bank car insurance logo

Tesco Bank

AXA car insurance logo

AXA

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Can you get cheaper insurance despite being a young driver?

If you answer yes to all these questions it could be...

Is you car in a low insurance group?

Cars are rated from 1 to 50, with the lowest groups being the cheapest to insure.

Have you avoided modifying your car?

Cars with modifications - that enhance performance or make them more attractive to thieves - cost more to insure.

Can you afford a higher excess?

If you can take a higher voluntary excess your premium will come down - but be sure you can afford it if you do claim.

Have you considered black box insurance?

Some insurers offer black box car insurance that measures how well you drive and rewards safe driving.

Car insurance groups | Cheapest Cars to Insure 2020

There are a number of ways to bring down the cost of your car insurance and choosing a car in the right car insurance group is high up on the list.  This guide will help you understand the factors that are considered when grouping cars, as well as how to check your car's insurance group and our top 10 cheap cars to insure. What insurance group is my car?

Read our full guide

Explore our guides

Find in-depth information on everything you need to know about comparing young drivers' car insurance and switching your cover.

See more guides

Pay-as-you-go car insurance explained

Pay as you go car insurance policies use telematics technology - find out if it could save you money on insurance premiums.

Car Insurance Legal Requirements

Avoid invalidating your car insurance by following these legal requirements. Including, named driver insurance rules, modifications and medical conditions.

Car insurance extras and add-ons explained

Do you know what extras you can add on to your car insurance policy and what they include? Our guide explains common add-ons and what they cover.

Car Insurance Excess Explained | Voluntary and Compulsory

Everything you need to know about car insurance excess. What are the differences between voluntary and compulsory excess and which is right for you

Car Insurance: Your Questions Answered

We've answered common car insurance questions to help you understand what you need and to decide what car insurance is best for you.

Coast into the bank holiday weekend by reading our driving tips.

Best and Cheapest First Cars for New Drivers

Find out the best and cheapest first cars for new drivers. As well as initial cost you have to consider insurance, running costs, road tax, and repair costs.

Is Black Box insurance only for young drivers?

Black box insurance is growing increasingly popular among drivers. But with these policies marketed heavily to young drivers, older drivers could be missing out on a huge range of benefits. Some of these benefits include helping to improve your driving, by making you a safer driver. As the black box records the way you drive, you're more conscious about the speed limit and how you use your brakes, leading to reducing your insurance costs. What is black box insurance?

Read our full guide

Young drivers car insurance FAQs

Young drivers are more likely to be involved in accidents than drivers over the age of 25, and the resulting claims are more expensive. Young drivers often travel with other young people in the car with them. 

If passengers, or anyone else for that matter, are injured or killed as a result of an accident, the insured’s policy provider must pay up.

  1. A life-changing injury for a young person will cost your insurer a lot more than the same injury for an older person, so the insurer has to pay out enough money to care for the injured person for the rest of their lives.

  2. Young drivers have more accidents – AA research reveals that nearly 40% of young drivers have been involved in a crash by the time they turn 23.

  3. As well as being more likely to have an accident, young and new drivers often have to pay more because they’ve had no chance to build up a no-claims bonus.

  4. The latest (2020) data shows that average premiums for young drivers under the age of 25 can cost £1,795 for an annual policy. The good news is that the rate of increase is slower than that of insurance for drivers over 25.

  5. Black box car insurance policies account for 20% of the cheapest quotes.

Insurers place cars into individual insurance groups from 1 to 50. Typically, if the car is in group 1 it will be amongst the cheapest to insure and 50 will be the most expensive. 

While you can’t change your age, you can choose a car which is less expensive to insure in order to cut down on the cost of young driver motor insurance. Cars are rated on the following factors:

  • how quickly the car accelerates and its top speed

  • the value of the car as new

  • the security features the car has

  • how long it will take to fix if it is damaged in a standard accident

  • how much the individual parts cost

You can learn more about the type of cars, which attract the cheapest insurance premiums by reading our guide to the cheapest cars to insure

Car modifications, such as body kits, often appeal to young drivers wanting to personalise simple-looking hatchbacks or medium-sized cars. However, avoid them if you want to save money on your car insurance. Modifications are known to increase premiums by hundreds of pounds. 

Modifications can make a car more attractive to thieves and they can attract vandals. 

Standing out from the crowd is not a good idea if you want to keep the cost of your insurance down.

Choosing to pay a higher voluntary excess — the amount you pay upfront if you make a claim – could significantly lower the cost of young driver insurance. However, always run quotes with voluntary insurance included and excluded, just to see what difference it makes.

Policies tend to come with a compulsory excess, and any voluntary excess will be on top of this total, so think carefully about whether you could afford to pay that lump sum if you end up needing to make a claim. 

Comprehensive can be cheaper than third party insurance because experienced drivers tend to opt for fully comp, while younger drivers – thinking basic cover will be cheaper – pick third party. But they are the ones who make larger claims.

There are three levels of car insurance:

  1. Third party car insurance, which covers losses incurred by other people involved in an accident you cause. This includes injuries to other drivers, pedestrians and passenger and damage to other cars and property.

  2. Third party fire and theft insurance (TPFT) covers the above, plus losses to the insured’s vehicle as a result of fire or theft.

  3. Comprehensive insurance provides blanket cover, protecting other vehicles, property and people as well as the driver and their insured car.

It’s always cheaper to pay for the whole year in advance rather than paying monthly, if you can afford to. This way you’ll avoid the monthly interest charges, which can make a big difference to the overall bill.

With black box car insurance a telematics box will be installed in your car (or an app installed on your phone) that can monitor how and when you drive by using GPS technology. 

The device measures factors like speed, mileage and braking. It tells the insurer how safe a driver you are. 

  • If you are a steady motorist, stick well within the speed limits and don’t break too hard, you may be able to get cheaper car insurance

  • Some black box policies work more like pay-as-you-go mobile phone plans, where you can top up the number of miles you plan to cover

  • Other black box policies restrict driving at night or during rush hours, which are notorious time for accidents – so make sure you read the small print

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Car Insurance comparison is provided by Confused.com which is a trading name of Inspop.com Limited who are authorised and regulated by the Financial Conduct Authority. Registered office; Greyfriars House, Greyfriars Road, Cardiff, CF10 3AL, registered in England and Wales 03857130. Please note, we cannot be held responsible for the content of external websites and by using the links stated to access these separate websites you will be subject to the terms of use applying to those sites. By using this system you are also agreeing to our Terms and Conditions and Privacy Policy. Uswitch is an intermediary and receives a percentage of the commission if you decide to buy through us.