There are 2 main ways to fully insure a learner driver:
"If you're practicing your driving with a parent or friend then you'll need to arrange insurance before you start. As a new driver, navigating the world of insurance for the first time can be overwhelming. But we're here to help you choose the option that best suits your needs, and your budget of course!"
You can compare learner driver insurance quotes with us in 3 quick steps.
If you're looking to get a quote for a standard 12-month policy, it takes about 5 minutes.
We need to know about you, your car and where you keep it. We'll also need the details of any named drivers you want on the policy.
Tell us what cover you want. this could be fully comprehensive, third-party fire and theft, or third-party only.
Once we've got your details, we'll compare insurance quotes from up to 163 trusted insurers1 to find you our best deal.
Once you've passed your test, your learner driver insurance will no longer cover you. You'll then need to make sure you have the right cover in place before you hit the road. How you do this depends on the type of insurance you took out as a learner driver.
Average cost of learner driver insurance:.
Annual car insurance
£1,006*
Temporary 1 day
£452
Temporary 1 week
£562
Temporary 1 month
£862
*Confused.com data Jan-March 2024.
2Average cost of temporary insurance based on Confused.com data, February 2024.
It costs £1,006* on average to insure a learner driver under an annual policy.
This is higher than the average cost of car insurance, which sits at £941***.
For temporary insurance, the average for 1 day of cover is £452, a week costs £562 on average and a month of cover will set you back an average of £862.
Generally, learner driver insurance is more expensive than the average due to learner drivers' lack of experience behind the wheel. This makes them statistically more likely to be involved in an accident.
Learner cover also tends to be taken out by younger drivers, who make more expensive claims than older drivers. Insurers factor this into the prices they offer you, and learners pay more for their cover as a result.
*** Confused.com price index Q1 2024.
Despite offering you a higher level of cover, fully comprehensive car insurance tends to be cheaper than third party cover. In fact, our data shows that, when looking at holders of all licences (not just provisional ones) a fully comprehensive policy costs £980* on average. This is significantly lower than the cost of a third party only policy, which sits at an average of £2,174*.
If you've yet to buy a car, think about getting one in a low insurance group. Car insurance companies assign all cars a group from 1-50. Generally, the higher the car insurance group, the more expensive your insurance is. Check your car insurance group here.
Black box policies use an app or a device installed in your car to monitor your driving. If you're a safe, responsible driver, this will be shown in the data your device collects, and you could be offered cheaper insurance as a result.
Voluntary excess is the amount you’re willing to pay towards the cost of any claims you make. Sometimes, choosing a higher excess can lead to lower insurance costs. Just remember to opt for an excess you could realistically afford to pay if you needed to make a claim. The most popular excess amount taken out by our customers is £250*.
Choosing to pay for your insurance annually instead of monthly could help you save money. Our shows that those paying annually for their policies paid 38%* less on average than those paying monthly. If you can afford it, it can be a smart way to save.
Adding a named driver to your policy, especially an experienced one with a good driving history, can sometimes help to bring your insurance costs down. Just make sure whoever is using the car the most is insured as the main policyholder.
*Confused.com data Jan-March 2024.
Your learner insurance can allow you to enhance your cover with optional add-ons, these are also available once you pass your test. These extras come at an additional cost and are only available with an annual policy, so think about what you need before buying your cover. Some of the most popular extras include:
Yes. If you need to take your test in your own car, or a friend or family member's car, you should be covered by your learner driver insurance.
If you're doing your test in an instructor's car, you don't need insurance as the instructor will have this covered.
In this case, you may need to look at convicted driver insurance as standard insurers might not cover you.
There are options available but they're likely to be limited and cost more. Your choices depend on the type of conviction and whether it's spent or not.
Page last reviewed: 09 April 2024
Reviewed by: Louise Thomas
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