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First time driver insurance

Compare car insurance for first-time drivers

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How do I compare first time car insurance?

It’s easy, in 5 minutes you can see your quotes.

  • It's easy, in 5 minutes you can see your quotes.
  • We'll compare up to 132 car insurance companies to help find the right policy at the right price.
  • We’ll show you a list of quotes to choose from. Here you can view prices monthly or annually and add features (add-ons) that are important to you.

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What type of car insurance do first-time drivers need?

Car insurance is a legal requirement for first time drivers whether you’ve passed your test or not. Being caught driving without a valid policy will land you with a fine and points on your licence. So, it’s important to get your first car insurance policy before you hit the road.

When getting your quote, we’ll ask you what level of car insurance cover you want. There are three different levels to choose from:

  • Third-party only covers you against damage to other people, cars and property
  • Third-party, fire and theft covers everything that third-party does, but also your car if it’s in a fire, or stolen
  • Comprehensive is the top level of cover and often sometimes work out cheaper. It includes everything the other levels of cover include but it also covers you against injury and your car and possessions against damage or theft, even if you’re at fault.

It’s always worth checking the price for each level of cover.

We’ll also ask you how you'll use your car. You have a few options for these classes of use:

  • Social lets you drive your car to the shops, visiting friends, or for fun
  • Social and commuting covers you for social use as well as to one permanent place of work
  • Business use is split into three sub-classes, depending on how many drivers there are and whether you’re carrying other people’s goods.

What’s the first time driver insurance average cost in the UK?

There are several factors at play when it comes to how much you pay for your first time car insurance policy. Your age and driving experience are two of the biggest influences on your car insurance price.

The most common age to pass the practical car driving test in the UK is 17*. Unfortunately, due to age and inexperience, car insurance for 17-year-olds is among the most expensive.

Our research shows that the average comprehensive policy for a 17-year-old costs £1,166**. This is £616 more expensive than the national average price of £550**.

These aren’t the only factors used to calculate your policy price. Insurance companies also consider:

  • Where you live as if you’re in an area prone to accidents or theft, insurers could increase your costs.
  • The car you drive will play a part too. More expensive and powerful models might be costly to repair and replace, which could raise your premium.
  • Your job and if you use your car to get there. A high-risk job involving lots of driving at unsociable hours could mean you’re a bigger risk to an insurer.

*Department for Transport statistics 2020/21.
**Price based on the Q1 2022 car insurance price index.

How can I get cheap car insurance as a first-time driver?

Given that prices for first time drivers tend to be higher, it’s understandable to look for ways to reduce your costs without compromising on cover. Some things to consider:

  • Shop around
  • Add additional car security
  • Increase your car insurance excess
  • Pay upfront
  • Limit car modifications
  • Be accurate with your annual mileage
  • Take an advanced driving course
  • Add a named driver
  • Choose the right car
  • Shop around by comparing quotes with up to 132 providers we use. You’re likely to see a range of prices which can help you find a good deal.
  • Adding additional car security like alarms, trackers and immobilisers could help reduce the likelihood of theft. This in turn could help keep your car insurance costs down.
  • Increasing your car insurance excess could give you lower prices. But bear in mind that you might need to pay this amount if you make a claim.
  • Pay upfront instead of monthly if you can. Most insurers will charge interest or an admin fee if you choose to pay monthly and could end up costing you over 16% extra1. So, if you can afford to pay upfront, you could save a tidy amount.
  • Limit car modifications. Anything that alters your car’s value or performance could hike up your insurance costs. If you’re in doubt, speak to your insurer before tinkering with your car.
  • Be accurate with your annual mileage. Underestimating your mileage to get a cheaper price could invalidate your policy. But overestimating could mean you pay more than you need to.
  • Taking an advanced driving course like Pass Plus could reduce your risk as a driver.
  • Adding a named driver with at least a few years of driving experience could help bring your costs down. But you should be on the policy as the main driver if you spend the bulk of the time at the wheel. Otherwise, you could be committing a kind of fraud called fronting.
  • Choosing the right first car as a first time driver will be crucial to getting a cheaper insurance quote. Check out our cheapest cars to insure for 2022 for some guidance.

For more tips, check out our guide on how to get cheaper car insurance

1Based on Confused.com data Sept 2021 - Feb 2022

What do I need to compare first car insurance quotes?

Getting a quote for first time car insurance is easy and takes just five minutes. You’ll need the following information to get an accurate price:

  • Your personal details including your name, age, address, and job.
  • Your car details and any modifications the car has. This can be things like new spoilers, alloy wheels and decals.
  • Your driving licence number. This isn’t essential but adding it in could help to reduce prices.
  • The type of cover you want. Remember it’s worth getting a quote for comprehensive cover as it could be cheaper than third party.
  • Details of any drivers you’d like to add to your policy. You’ll need their names and licence details.

Compare first time driver car insurance quotes

How do I estimate my average annual mileage?

When you get a quote, we’ll ask you to estimate how many miles you’ll drive in a year.

The average annual mileage in the UK is 6,5002 miles per year. To help our table shows different daily miles with estimated annual miles.

Think about your commute, how often you do daily trips to the shops or gym and if you do school runs.

APPROXIMATE DAILY MILES APPROXIMATE WEEKLY MILES APPROXIMATE ANNUAL MILES
3
21
2000
6
42
3000
11
77
5000
20
140
8000
31
217
12000
42
294
16000
50
350
19000

Remember, first time driver insurance like any type of insurance is based on risk, so insurers take mileage into account when calculating your price. You’d think a higher annual mileage might cost more than someone who drives fewer miles, but this isn’t always the case.

If you don’t drive often and have a low annual mileage, you could be viewed as being less experienced. It’s important that you’re as accurate as possible, because underestimating your annual mileage could invalidate a future claim.

2Based on Confused.com data Feb 1st 2021 to Feb 28th 2022

What other options are there for first time drivers?

There are plenty of options available to help get you on the road. A standard car insurance policy usually covers you for 12 months. But if this isn’t right for you, then one of the following options might be helpful:

  • Black box policies use a small black box device installed in your car or a phone app to monitor your driving. They look at things like your acceleration and braking to calculate your price. If you can prove you’re a safe driver, insurers might offer you a discount.
  • Pay per mile, also known as pay as you go car insurance might be suited if you don’t drive regularly. These policies charge you for every mile you drive, on top of a set annual basic rate.
  • Temporary car insurance offers fully comprehensive car insurance cover from one to 28 days. If you only need occasional cover or cover at short notice, it could be a useful alternative to an annual policy.
  • Learner driver car insurance offers you the option of a shorter policy of up to 28 days while you learn to drive. If you haven’t passed after the 28 days and need more time, you can easily take out another policy.

What extras can I get with first time driver insurance?

As well as your standard car insurance policy, there are a number of add-ons that you could get to enhance your cover. These include:

  • Personal accident cover which covers you and sometimes your passengers for injuries you suffer in an accident
  • Windscreen cover allows you to claim for repairs or a replacement if your windscreen is damaged, often with a lower excess
  • Legal expenses cover can help with legal expenses should you need to take another driver to court
  • Courtesy car. If your car is being repaired after making a claim, this add-on could help you get back on the road quickly.
  • European cover can extend your insurance cover to Europe. It’s a great add-on if you’re thinking about taking a trip on the continent.
  • Breakdown cover could help you if you’re stranded on the road, or if you’re at home and can’t start your car.

What our car insurance expert says

Car insurance can be pricey for first-time drivers, but as you gain experience on the road you might start to see your costs come down. Shop around for quotes to help save you money. We compare up to 132 insurance companies, so we should be able to find a price that suits you.
Alex Kindred signature

Alex Kindred

Car insurance expert

After buying car insurance, 96% of Confused.com customers would recommend us (based on 99372 Reviews.co.uk respondents - as of 08/04/22). Read our reviews