Provisional licence, driving lessons, the driving theory test and then the driving test — and that’s all before you factor in the cost of your first car and the cost of car insurance.
Learning to drive a car in the UK isn’t cheap, in fact the average cost can run into the thousands. Here’s how the cost of learning to drive breaks down.
You need to factor in quite a few things when you start learning to drive.
After changes were introduced in October 2014, the provisional licence cost now varies from £34 for online applications to £43 for postal applications. The cost of a provisional licence was previously a flat rate of £50 for all applications.
Learner drivers can apply for a provisional licence three months before their 16th birthday but remember you can't get behind the wheel until you're 17
According to the Driver and Vehicle Standards Agency (DVSA), the average learner driver needs 47 lessons and 22 hours of private practice before they pass their test. If you need to use the instructor’s car to practise, you will need to pay for those hours too. That 69 hours could cost you over £2,000.
Driving lessons costs can vary between £20 and £30 – our calculations use the average AA lesson price of £24.
Intensive driving courses, also called crash driving courses, are popular with learner drivers who don’t want to spend months, or years learning to drive.
Some intensive driving courses can help learner drivers pass their test in two weeks.
According to the DVSA the average learner needs 47 lessons to pass their practical driving test
You must normally Have passed the theory part of the driving test.
You can do it in one or two weeks, and expect to spend between 4 and 5 hours a day on the road.
If you have already taken a few lessons you might could opt for a two-day course with just 10 hours of training.
It’s not cheap, a week-long course can cost around £1,000, while a two-week course may be double that.
However it could save you money in the long run. If the average person takes 47 lessons to learn to drive, then your driving lessons will cost at least £1,000 and remember you have to budget for the cost of theory and practical tests on top of that.
block-booking or having two-hour lessons can often get you discounts, though make sure you’re comfortable with the driving instructor before committing
make sure you compare driving lesson prices to make sure you're getting a good deal
intensive driving courses — where you learn to drive in under a week or two — can work out cheaper
these courses can involve up to six hours driving a day, so it’s worth discussing with a course advisor before signing up
These are the main driving schools operating in the UK. You will need to check whether they operate locally and whether they have any introductory offers.
This is probably the best-known driving school and celebrated its 100th birthday in 2010. It was bought by The AA (The Automobile Association) in 2011, a year later. As well as driving lessons BSM offers advanced driving courses and trains instructors themselves.
The price of lessons differs across the country with prices starting from £22 per hour.
BSM says learner drivers can take advantage of a discount by having a driving lessons with a trainee instructor. All trainee instructors have undergone theory and practical training and are gaining experience to increase their instructional skills prior to becoming fully qualified
Red Driving School, which currently offers 50% off the first lesson, also operates across the UK. It also offers advanced driving and instructor driving courses. It has a partnership with the RAC, and offers cheaper driving lessons to friends and family of RAC members.
Red Driving School offers lessons from £13 per hour.
Red offers block booking discounts of up to 15% on 40 hours of lessons, other discounts include a free hour introductory discount when you book your first two hours of lessons, or six introductory lessons for the price of four.
Although The AA owns BSM, the AA still has a separate driving school which offers lessons around the UK. Members can get discounts on the price of lessons, if they block book.
AA Driving School lessons are priced from £24 depending on where you live.
The AA offers a discount of £6 off per hour off the first six hours of lessons when you make a block booking.
AA Members only, can get £2 off per hour off block bookings after their first block booking
The price of taking the driving theory test – which examines your knowledge of essential driving skills, traffic signs, and The Highway Code – costs a flat £23 for cars and motorbikes.
You need to book and pass your driving theory test before you’re able to take your practical driving test.
Driving tests cost £62 on weekdays and £75 for on evenings, weekends and Bank Holidays
if you intend to use your driving instructor’s car you’ll need to book their time as well as the test.
many people choose to practise for an hour before the test, which can quickly increase the cost.
most drivers pass on their second attempt, so budget for having to take the test twice.
Depending on how many lessons you need, Hitachi Personal Finance estimated the average learner spends at least a £1,676 before they can legally get behind the wheel. This includes the cost of insurance, provisional licence and the theory test.
This does not include the cost of buying a car.
If you have to use the instructor’s car for practising and you need to take your test multiple times, you could find yourself spending well over £3,000 to pass your test.
After passing the test, car insurance is by far the biggest cost for young drivers to contend with.
Average comprehensive premiums for young drivers aged under 25 are £1,544, compared to an average of £395 for drivers over 50.
This data, compiled by the Consumer Intelligence Price Index, found the cost rose dramatically in risky areas and for higher performance vehicles.
The best way to achieve long-term savings on your car insurance is to take out your own policy while you are still driving on a provisional licence.
you will be able to start building your no-claims bonus even before you have passed your driving test
once you start building your no-claims bonus your premium should drop steadily each year as long as you don’t make any claims
taking out an insurance policy in your own name means you will also avoid the risk of damaging your friend’s or relative’s no-claims bonus as you might if you had to make a claim as a named driver on their policy.
if you take out your own insurance policy, there should be no effect on the main driver’s insurance premium.
If you're looking for learner driver insurance for your own car and need a provisional driver insurance quote, there are a couple of issues to consider.
The type of car you drive will often have an impact on the amount you pay for insurance – but with provisional driver’s insurance most policies will cover you for any car up to a certain value or insurance group (usually a value of £20,000 or around insurance group 30).
This is great if you want to learn in your parents’ car and then you can choose a cheaper car to insure once you’ve passed your test.
When buying a first car, the type of car you choose will have a big impact on how much you’ll pay for insurance — see our guide to the ten cheapest cars to insure for more.
By shopping around it's possible to get driver cover for the equivalent of a couple of pounds per day. The driver insurance is one that offers good value and sufficient cover for your needs, without too large an excess.
Having a car with is the type of car you drive, with the car’s speed, security features, and value all playing a big part – read our guide to the cheapest cars to insure to find out which cars attract the cheapest insurance premiums.
This will result in a cheaper monthly premium. Before you take out car insurance make sure you can afford any voluntary excess. This excess is in addition to the compulsory excess set by your insurance provider. This is what you would have to pay if you ever have to claim.
Pay for your insurance in one go if you can. Spreading the cost of your car insurance over 12 payments, monthly, may seem cheaper but remember you will be paying interest on top of the amount you pay towards your car insurance premium.
Limiting your miles makes you less of an insurance risk. Simply because you are reducing your risk of having an accident. When you take out your car insurance policy the insurer always asks for an estimate of your maximum annual mileage.
You need to try and you’re your mileage low, although you need to be realistic as to how much you will drive. Extra security
Having an alarm or immobiliser is considered a theft deterrent and by deterring car thieves you can reduce your car insurance. Not all insurers will offer this, so check first.
Black box, or telematics, insurance can help reduce your car insurance over a period of time.
It’s considered a good idea for women because they are involved in less accidents than men and tend to make fewer car insurance claims than men do.
A small device, the black box is installed in your car.
this then measures how fast you drive, when you brake, what time of day you drive, how quickly you accelerate and how you drive around corners
some black boxes include an app which you can access on your phone
if you drive safely you may be rewarded with cheaper monthly premiums or more miles of available cover
If you are only planning on borrowing a car you can also compare quotes for short-term or temporary car insurance
Multi insurance might also be suitable:
if you own more than one car
if you’re a family with more than one driver
if you’re a couple with more than one vehicle