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Student car insurance

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What level of student car insurance should I get?

There are three levels to choose from when buying car insurance.

Remember, the lowest level of cover isn’t always the cheapest. You may end up with a higher level of cover for a cheaper price.

The three levels are:

  • Third-party is the minimum amount of cover you legally need to drive. It covers damage caused to someone else’s property, but doesn't cover repairs, theft or fire damage to your own car.
  • Third-party, fire and theft protects you against damage caused to someone else’s property, but also includes cover for your car against fire or theft.
  • Comprehensive offers the highest level of protection, covering you and your car as well as other people and their property. Although it offers the most protection, comprehensive car insurance can sometimes be the cheapest option.

How much does car insurance cost for students?

The exact cost of your student car insurance is not just down to your age. It’s based on a variety of factors, including your driving history and the car you drive.

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 university towns and cities.

This table shows the average comprehensive policy price for a selection of the top universities in the UK.

The prices shown are an average across all age ranges, and not just student car insurance quotes.

 

University 2 Avg fully comp policy price 3
University of Birmingham
£734
University of Cambridge
£427
The University of Edinburgh
£433
Lancaster University
£408
University of Leeds
£648
University College London
£1,053
University of Manchester
£782
Newcastle University
£497
The University of Nottingham
£526
University of Oxford
£446
The University of Sheffield
£561
University of Southampton
£454
University of St Andrews
£396
The University of Warwick
£555

2. Universities have been taken from the 2020 UniRank league table. We've added just one London University as all would show the same car insurance premium. Price is based on West Central London.

3. Confused.com price insurance index Q1 2022.

How can I get cheaper student car insurance?

Insurers consider many factors when working out how much you’ll pay for insurance. This includes things like your age, where you live and the car you drive.

This can leave many wondering how to get cheaper car insurance.

But don't worry. Here are a few things you could do to help save yourself some money:

  • Shop around and avoid auto renewal
  • Think about the car you drive
  • Consider a black-box policy
  • Add a named driver
  • Accurately estimate your mileage
  • Pay upfront
  • Increase your excess
  • Avoid modifications
  • Consider pay per mile insurance
  • Take an advanced driver course

Shop around and avoid auto renewal as insurers don’t always reward loyalty, so there’s a chance the price they offer you will be more than what you paid last year.

Think about the car you drive as cars in high car insurance groups can be pricier to insure than those in lower ones. 

Consider black box insurance or a telematics insurance policy, as these may be cheaper than standard car insurance policies.

Add a named driver to your policy, as this may cut your premiums.

Pay upfront as it can be as much as 15%4 cheaper to pay for your insurance in one go, rather than in monthly installments.

Accurately estimate your mileage as over-estimating could increase your price. The average is about 6,5004.

Increase your voluntary excess as the more you're willing to pay, the cheaper your policy is likely to be.

Avoid car modifications as most are likely to bump up the cost of your insurance.

Consider pay per mile insurance, also known as pay as you go car insurance, as these policies only bill you for the miles you drive.

Take an advanced driver course as insurers may offer you a lower price if you do.

4Based on Confused.com data January - September 2021

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What do I need to compare car insurance quotes?

Comparing car insurance with us is easy. All you have to do is fill in some details and we’ll compare up to 132 insurers to help you find a good deal. Having the following details at hand will help speed things up:

Personal details

  • Your occupation. If you’re a full-time student we’ll ask what type and which course you’re studying
  • Any previous claims or accidents from the last 5 years
  • Details of any additional drivers you want to insure
  • Your driving licence number
  • Number of years no-claims bonus (if any)
Car details
  • Details of any modifications
  • Estimated annual mileage

Can I get student discount on my car insurance?

Students can often get discounts on everything from shopping to eating out, but sadly student discounts don’t normally extend to car insurance.

Students usually have to pay more for their insurance than other older and more experienced drivers.

Is car insurance more expensive for students?

Unfortunately, the answer is almost always yes.

As a student, you’re likely to be in the young driver insurance category, which means insurers may consider you to be high risk and more likely to be involved in an accident than older drivers.

This can see you paying higher premiums than more experienced drivers.

This is why it’s really important to shop around and compare student car insurance quotes to get the best deal.

Compare cheap student car insurance quotes

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Need more help?

Can I just use my parents' car insurance?

Your parents could add you as a named driver on their car.

But if you were to take this car away to university you would actually be the main driver.

This is known as fronting, which is illegal and could invalidate your policy.

Can I get temporary student car insurance?

Yes. It’s possible for all drivers to buy temporary car insurance as and when they need it.

This can be helpful for students who only have access to cars when they're back home, for example.

Can I insure my housemates on my car?

Yes, if they occasionally drive the car you can add them as named drivers on the policy.

Can I put my mum and dad down as named drivers?

If you would like your parents to drive your car from time to time when you are at home, you could add them as named drivers.

Adding older, more experienced drivers to your policy can be a helpful way to reduce your premiums.

Do I still need insurance if I leave my car home while I'm at uni?

If your car is parked on the street it will need to be insured.

However if you can park it off road in a garage or on a drive you can declare it SORN.

Before you get behind the wheel again you will need to arrange insurance and pay your road tax.

Do I need to insure my car while I'm not using it?

The only way to avoid insuring your car is to declare it off road with a Statutory Off Road Notification (SORN).

But remember, a car with a SORN can’t be driven or parked on any public road – it’s a £2,500 fine otherwise.

See our guide on how to SORN a car for tips on declaring your car off-road. 

Will I pay more for car insurance as a mature student?

Age will usually be on your side when it comes to car insurance, with older more experienced drivers benefiting from lower prices.

However, mature students still pay a lot for car insurance compared to other drivers of the same age. This is because being a student is considered a higher risk ‘occupation’.

Can address should I use when I get student car insurance?

When getting a quote, you should use the address where your car is for most of the year. 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.

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What our student car insurance expert says

If you’re a student you might live in a city, where crime rates can be higher. This can see you paying more for your car insurance. It might be tempting to use your home address instead of your student accommodation to get a cheaper quote, but doing so runs the risk of invalidating your policy and leaving you without cover.


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