Skip navigation

BRIAN's got a million pounds to give away!

We're also giving away £10,000 a week - see who's won so far!

Find out more Enter now

Ends 30 Sept. Selected products. GB only (excl NI). 18 yrs+. T&Cs apply

Hurry, time is running out to enter!

  • /
  • Young driver's car insurance

Car insurance for young drivers

Find great deals on young drivers' car insurance with

Based on 375 customer reviews of from the last 12 months

Just some of our car insurance providers who specialise in insurance for young drivers

See more of our car insurance providers

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

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
Sheffield Hallam University
Manchester Metropolitan University
University of Birmingham £873
University of Leeds £680
Cardiff University
University of Central Lancashire £628
University of Plymouth
University of Northumbria

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

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.

grey avatar silhouette of person Easy to use. Very efficient. Saved a lot of money. What could be better? Thank you.

Alan Bailey Sep 2013

grey avatar silhouette of person Yes - easy as always - used many times before. It would help if you included users' reviews in the results.

Andrew crowley Sep 2013

grey avatar silhouette of person Already with RIAS but found cheaper quote with them, through you.

David Couch Sep 2013

grey avatar silhouette of person Saved me money again.

Deborah Murray Sep 2013

grey avatar silhouette of person Used it for all my insurance needs this summer and found it quick and easy to use.

Denise Stewart Sep 2013

grey avatar silhouette of person very easy to use and gave good information, shall be using them again.

Donald Lowe Sep 2013

grey avatar silhouette of person It was quite easy. I did save time & almost £150.

Eric Stoddart Sep 2013

grey avatar silhouette of person This is the 2nd time I have bought my car insurance through I am very impressed with the range of quotes and the speed of delivery. I strongly recommend this company.

Evelyn Cruddace Sep 2013

grey avatar silhouette of person Getting a quote and buying car insurance from is really simple and easy to do.

Gemma Peverley Sep 2013

grey avatar silhouette of person As always used this service to purchase my car insurance, easiest way possible to find the best deal!

Hayley Carnell Sep 2013

grey avatar silhouette of person Easy to use and definitely got me a good deal. It was very easy to compare the different quotes.

Jane Holmes Sep 2013

grey avatar silhouette of person was the cheapest website to get car insurance.

Jayne Waters Sep 2013

grey avatar silhouette of person I'm a pensioner with very little PC savvy and found it very simple to use. Saved £80 too! can't complain about that.

Keith Stevens Sep 2013

grey avatar silhouette of person Very helpful website. Gave me lots of choice and the best price for the products I wanted.

Louise Moore Sep 2013

grey avatar silhouette of person I am very impressed with the services that you provide and in a very transparent/honest manner. I have saved a lot of money. I have recommended you to those I know.

Okon Edeke Sep 2013

grey avatar silhouette of person In my younger days you never hand this wonderful service where you could go online and get quotes at the touch off a button you cannot beat it would highly recommend.

Peter Chapman Sep 2013

grey avatar silhouette of person Helping me to find the best price in your search.

Roy Jones Sep 2013

grey avatar silhouette of person Already with RIAS but found cheaper quote with them, through you.

Thomas Churchill Sep 2013

grey avatar silhouette of person I found the site very easy to use, and got a great price and saved money on my car insurance. Thank you.

Victor Easthope Sep 2013

grey avatar silhouette of person Very quick and easy. Also saved me money.

Julie Pescod Sep 2013

Looking for another type of car insurance?

Black box car insurance

Black box insurance

Prove you're a safe driver & you could save money with a Black Box policy

Temporary motor insurance

Temporary motor insurance

Temporary cover for cars from 1 to 28 days

First time car insurance

First time car insurance

First time driver? Compare cheap deals with

See other types of car insurance we compare

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 quote' to start comparing policies

Get a quote

Learning to drive?

Take a look at our guide for the facts on getting your license

Learning to drive guide