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Young driver insurance is a type of policy which is aimed specifically at younger people aged under 25 to help them with the costs of cover. This type of young person car insurance cover can help these drivers who typically pay the highest sums for insurance. It works in the same way as car insurance for older drivers but often comes with cost-cutting features. These include telematics technology to help drivers lower their costs if they can show their insurer they are driving consistently well and they keep their mileage down.
There are three types of car insurance to choose from:
Third party fire and theft
You can find out more about these levels in our guide to the types of car insurance available.
The cost of your policy depends on many things including the level of cover you have.
As prices are typically the highest for young drivers, there are a few options to cut costs.
Temporary car insurance for young drivers which allows you to choose the days, weeks, or months you need cover for and could be cheaper than an annual policy.
Black box insurance for young drivers which allows your insurer to see how you are driving and to reward you with cheaper premiums in some circumstances.
It’s important to buy the correct car insurance. Young driver insurance might be the best option for you if you:
Are aged under 25
Have recently passed your driving test
Have an unmodified car
Are a young driver with a car in a low insurance group
Are a young driver who can afford a higher excess
Are happy to use features such as black box insurance to lower costs
Leoni Moninska, Insurances Expert
Car insurance for young drivers can be expensive because younger, inexperienced drivers are considered to have a higher risk profile. It can be tempting to go for less comprehensive cover to keep costs down, but it's usually safer and sometimes cheaper to get fully comprehensive insurance. And remember, every year you drive without incident or making a claim, your premiums should come down.”
It’s quick, easy and straightforward to get a range of young driver insurance quotes. As the insurance market is so competitive, one of the best ways to keep your costs down is to compare prices. That’s because prices can vary considerably between policies and insurers.
To get a quote you’ll need to enter some personal details, such as your job and address, and also some information about your car. You will then be given a list of quotes allowing you to see the overall price and what’s included in each policy before you make a final decision.
See all car insurance providers we work with at Uswitch and compare today.
The cost of young drivers insurance can vary depending on a range of factors. The biggest impact will be how long it has been since the driver has passed their test and received their full UK driving license.
Young drivers between the ages of 17-19 are most affected by high insurance costs, due to the potential inexperience and high risk driving. From the age of 18 the average cost starts coming down year on year as seen in the graph to the left.
Age 17: Average cost of car insurance: £1,612.
Age 18: Average cost of car insurance: £1,845.
Age 19: Average cost of car insurance: £1,709.
Cheap car insurance for young drivers may seem impossible yet there are ways to lower your costs. Despite young drivers paying the highest fees, there are many simple tips and tricks to make car insurance cheaper.
Lowering your annual mileage
Keeping your car in a safe and secure spot overnight
Increasing the amount you pay for an excess if you need to make a claim
Adding a second driver to your policy
The type of car you drive also matters, picking a small, cheap, car could be far less to insure than an expensive top-of-the-range model.
Cars are rated on how quickly the car accelerates and its top speed.
They are also rated depending on the value of the car as new, the security features it has, how long it will take to fix if it is damaged in a standard accident and how much the individual parts cost.
Check out our guide on the cheapest cars to insure to learn more.
|Years since getting driving license||Average cost of car insurance|
|Less than one year||£1,297.45|
Data from Confused.com 31/05/23
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