Car insurance for young drivers

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Young driver car insurance

Why is insurance so expensive for teenage & young drivers?

Insurers base the price of premiums on lots of different factors:

  • The car you’re insuring – Its age, engine size, value and more
  • Information about you - Your age, where you live, how long you’ve been driving, whether you have any driving convictions, No. of years no-claims bonus you have, No. of claims you've made and more
  • The type of cover you’re looking for - Whether that’s comprehensive, third-party, or a black box policy
  • The level of excess you’re looking for

Because this information alone isn’t enough to base a quote on, insurers also have to use statistical data from all of its customers to determine the level of risk.

The industry statistics show higher accident levels amongst teenage and young drivers (under 25s) which therefore means they’re a higher risk to insure.

It’s understood that younger drivers are involved in more accidents as behind the wheel; they’re more likely to take risks and with less driving experience, are less likely to spot potential hazards.

The road safety charity Brake has compiled some hard facts about young drivers that include:

  • One in five new drivers has a crash within six months of passing their test
  • An 18-year-old driver is more than three times as likely to be involved in a crash as a 48 year-old

How can I reduce the price of my insurance?

Rather than waiting a couple of years to build up your no claims bonus, there are other ways you can reduce the amount you pay for car insurance.

Take a look at this short video on top tips to cheaper car insurance.

What type of policy should I choose?

It’s a legal requirement to have some form of insurance on your car, but when it comes to picking a policy type, there are a few different options:

  • Learner driver policy - If you’re still on a provisional license and need to practice driving alongside private lessons, a learner driver policy can provide cover for you whilst you learn. See our learning to drive page for more information
  • Fully comprehensive policy – Although this could prove expensive for a young driver, it does offer the greatest level of protection and covers you against accidents that are your fault, incidents where fault cannot be proven and accidents that aren't your fault. For more information, see our guide to fully comprehensive car insurance
  • Third party – Third party is the minimum amount of cover you legally need to drive and covers you in the event you cause damage to someone else’s property, but doesn’t cover repairs, theft or fire damage to your own car. Our guide to third party insurance provides more information on third party policies
  • Third party fire and theft – As the name suggests, third party fire and theft is an expanded level of cover that covers you against damage caused to someone else’s property, but also includes cover for your car against fire or theft. For more information, take a look at our TPFT guide
  • Black box or Telematics policy – Available from selected insurers and aimed at teenage and young drivers, these policies involve fitting a small black box to your car that monitors how well you drive. Once enough data has been captured, it is then used to calculate your insurance premium. To fully understand how telematics works and whether it might be an option for you, take a look at our telematics explained guide
  • The type of policy you choose may depend on your budget or the car you’re driving. It's worthwhile comparing the price of each policy type as there may be big differences in the cost of one policy type over another.

  • Click on 'GET A CAR QUOTE' to start comparing policies

Student car insurance explained

Many students are also younger drivers and unfortunately, insurance companies see those aged under 25 as a higher risk, which means their cost of insurance will be higher.

The location of the biggest Universities in the UK has an influence on the cost of insurance for its students. As crime and insurance claim rates are often higher in the cities and areas students live, the cost of insurance may be higher than more rural areas.

The below table shows the average comprehensive policy price for each of the cities containing the ten largest Universities. It's worth noting that the prices shown below are an average across all age ranges and not just students.

University* Average Comprehensive Policy Price For City**
University of Manchester £905
University of Nottingham £536
Sheffield Hallam University £601
Manchester Metropolitan University £905
University of Birmingham £873
University of Leeds £680
Cardiff University £561
University of Central Lancashire £628
University of Plymouth £461
University of Northumbria £539

**Figures for University population published by Higher Education Statistics Agency 2012-2013 (excluding The Open University)
**Towers Watson/ price insurance index Q1 2014

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