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Young driver car insurance

Don’t pay more than you should just because you’re young. Find cheaper quotes for 17 to 24 year olds

Why is car insurance for young drivers so expensive?

Why is car insurance for young drivers so expensive?

If you’re under 25 years old, your car insurance will be very expensive because prices are calculated based on statistics and risk.

Government statistics show that car drivers and passengers aged 17-24 are more likely to be injured in a road accident than older people.

Your lack of experience will also push up the price. As a young driver, you’re unlikely to have years of no claims bonus proving that you're a safe driver.

Is it cheaper for young women?

It turns out that the stereotype of young male drivers being especially prone to crashing is a bit of a myth – the government statistics show that young female drivers are just as likely to be injured in a collision as young male drivers.

Even if the stereotypes were true, insurers aren’t allowed to offer women’s car insurance cheaper than men’s, so all young drivers pay the price of inexperience, regardless of gender.

How much is car insurance for young drivers?

How much is car insurance for young drivers?

The quotes you get depend on your address, your car and the type of cover you go for, plus lots of other factors. Don’t assume that third-party only cover – the most basic level of insurance – will be cheapest.

The average cost of comprehensive car insurance for 18 to 24 year olds is £928. But, it's £1,260 for third party only cover (TPO).[2]

For 17 year old drivers buying comprehensive insurance, there's no getting around the fact that it's still expensive – although prices did drop slightly in 2020.*

This all means that comparing policies is more important than ever when you're at the beginning of your driving career.

*Average price paid annually for comprehensive car insurance purchased in 2018, 2019 and 2020 through GoCompare when the policyholder is 17.

[2]Average price paid for annual comprehensive car insurance polices where the main driver is 18-24 years old purchased in December 2020. For comprehensive policies it was £928.05. For third party only policies it was £1,259.55.
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How can young drivers get cheaper car insurance?

There are some things you can do to bring the cost of your premium down:

  1. Choose a small car

    Little cars with modest engines are in lower insurance groups, which means they’re cheaper to insure

  2. Security

    If your first car’s of the older, cheaper variety, installing a Thatcham approved alarm or tracker will get you a discount from some insurers

  3. Modifications

    Enhancing the looks or performance of your car will mean insurers charge more – a modest, factory standard car will be cheaper to insure

  4. Get some experience

    It takes time to build up a no claims bonus, but you can also get a discount for gaining some advanced driving qualifications

  5. Multi-car cover

    If you live with your parents, taking out a multi-car policy for all the vehicles in the household might be cheaper

  6. Additional driver

    If a more experienced driver also used your car, you can add them as an additional driver and that might actually make your policy cheaper. Alternatively, if you drive your parents’ car it might be cheaper for them to add you as an additional driver. Always tell the truth about who the main driver is, or you or your parents could be guilty of a type of fraud called fronting

  7. Telematics

    Your insurer installs a black box in your car to track how well you drive and your policy will be discounted accordingly

Always be honest with your insurer

It’s tough having to pay so much for insurance during your first few years on the road, but it’s really important that you’re completely honest when you apply for insurance.

Lying about your term-time address if you’re a student, or who the main driver of the car is because your parents occasionally use it, will invalidate your insurance.

The consequences of lying are serious - your insurance will be voided, and you could be prosecuted for fraud.

Want to know which cars are the cheapest for young drivers to insure?

See the top 10 cheapest cars for young drivers
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