Student car insurance

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Car insurance for students

As a student, you’re probably in the young driver or undergraduate age bracket. Unfortunately, insurance companies tend to see young drivers as a higher risk, which means getting cheap car insurance isn't always easy.

The location of the university you attend can influence the cost of your insurance too. 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 table below shows the average comprehensive policy price for a selection of the top universities in the UK. We've only included one central London university from the original list*. 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 Oxford £642
University of Cambridge £687
University College of London £1,200
The University of Edinburgh £617
University of Glasgow £739
The University of Manchester £1,087
University of Leeds £867
The University of Warwick  £782
University of Southampton £639
The University of Nottingham £722
Newcastle University £709
The University of York £598
University of Leicester £793
Durham University £642
University of Bath  £569

*Universities have been taken from the 2017 UniRank league table. We've excluded three London universities as all would show the same car insurance premium.
** price insurance index Q4 2018

How can I reduce the cost of my student car insurance

Being a student with a car has its benefits. But the added expense of car insurance can mean many students have to give up the luxury of their own car, because they can't afford to insure it.

If you're looking to reduce the cost of your insurance, the good news is there are ways and means. Keep these simple tips in mind:

  • Try to accurately estimate how many miles you expect to do over the year. Over-estimating could increase your premium.
  • Increasing your voluntary excess could help to reduce your premium. Be sure to choose an amount you can afford to pay in the event of a claim though.
  • Compare car insurance to make sure you're getting our best prices and the right deal to meet your needs.
  • Consider a black-box policy. A black box or telematics policy will base your premium on your driving habits – safer drivers often benefit from reduced prices.

Also, choosing the right car can have an impact on your insurance premiums. Typically, the smaller the car, the cheaper it is to insure. If you haven’t already bought a car, then take a look at the top 10 cheapest cars to insure

Which address should I use as a student for car insurance

When getting a quote, you should use the address where your car is for the majority of the year. So if you’re a student living away from home, you should – for insurance purposes – use your student accommodation as the main address on your policy. Student areas are highly populated and often higher risk, so this may hike up the price.

It’s worth noting that failure to state the correct address can lead to your policy being invalid in the event of a claim.  

Temporary student car insurance

Temporary car insurance can be a good option for students who only want to drive when they return home from university during weekends or holiday periods. Temporary car insurance policies provide fully comprehensive cover, and are available from one to 28 days.

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