Compare young driver car insurance quotes

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

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.

• 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.

• 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.

• 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.

Young driver insurance prices usually start to fall for young drivers when they turn 25 but in some cases it could be before this age. There are lots of factors affecting the price of insurance, not just age, so other things such as a driver’s car or their profession, may also be impacting on the price of a policy.

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. 

It’s tempting to want to buy a car that has modifications, such as body kits. These 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

Yes, you could increase your excess and this is a good way to lower your premium costs. However, it’s important to make sure you can still afford to pay it if you do need to make a claim.

Basic third-party cover is not always the cheapest for young drivers and in some cases, fully comprehensive insurance will provide better value for money. The only way to find out though is by running an insurance quote as many things affect the price you pay.

Yes, car insurance for young drivers can be paid in instalments, often spread over 12 months. This may be more affordable than paying for insurance in one go but most insurers will add interest to monthly payments so you will end up spending more overall.