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Young driver insurance

Compare cheap car insurance quotes for young drivers

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How do I compare young drivers car insurance quotes?

Car insurance can seem confusing, especially when you’re buying it for the first time. However, it doesn’t have to be and with our help you can get a quote in as little as five minutes.

  • Fill out our quote form. We’ll ask you a few questions about you, your car and your driving history
  • We’ll compare up to 140 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 such as breakdown or windscreen cover
  • Once you’ve bought car insurance don’t forget to come back and choose a freebie with Confused.com Rewards.

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What is the best car insurance for young drivers?

The type of insurance you choose may depend on if you’re still learning to drive or you’ve passed your test.

  • If you're learning to drive or are still on a provisional licence, a learner driver policy can provide short-term cover for you while you learn.
  • A 12 month standard policy can be taken out with a provisional licence and updated once you pass your test. If you’ve already passed your test, this is the most common type of car insurance policy and can be paid for monthly or in one go. Choosing to pay monthly can be good as a young driver to spread the cost but it will end up costing more than if you pay for it one go. In fact, it can cost as much as 16% more just by choosing to pay monthly**. 
  • A black box policy or telematics policy involves using an app on your phone or fitting a small device to your car to monitor how well you drive. The insurer uses the data to work out your car insurance price. These policies are particularly useful if you’re a new or young driver wanting to prove you can drive safely. To get a better idea of how telematics works, take a look at our telematics explained guide.

**Based on Confused.com data Jan 2022 - Jun 2022

What level of cover should I choose as a young driver?

With standard 12-month policies you can choose from three levels of cover. However, with some learner driver or black box policies you may not get the choice.

The cover options are:

  • Fully comprehensive which offers the highest level of protection. It covers you and other drivers from damage caused by you. It often works out to be the cheapest option too.
  • Third-party, fire and theft (TPFT) protects you against damage caused to someone else’s property, but also includes cover for your car against fire or theft.
  • 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.

How much is car insurance for young drivers?

Young drivers pay the most for car insurance compared to other age groups on average. Our latest car insurance price index shows on average young drivers pay the following1:

17 year olds

£1,265

18 year olds

£1,453

19 year olds

£1,320

1Confused.com Q2 2022 price index data

Why is young driver insurance so expensive?

Young drivers are generally less experienced behind the wheel than older drivers. Unfortunately, this means they’re also more likely to have an accident or need to make an insurance claim. Insurers use their own claims data to back this up and cover the extra risk involved in insuring young drivers by charging higher insurance prices.

A mix of things, including the car you drive and your driving history, go into working out how much car insurance costs. Understanding some of them could help you get cheaper quotes:

  • The car you’re driving with its age, engine size, value and average repair cost help decide a car's insurance group. There are 50 groups from 1 to 50 and generally the lower the group the cheaper your quotes will be.
  • Your details like your age, where you live, and your job are just some of the things insurers look at.
  • The level of cover you’re looking for because whether it’s comprehensive, third-party, or third-party fire and theft, the level of cover you choose will influence your price. Even though it offers the most protection for you and your car, comprehensive cover isn't always the most expensive, so double check all the options before you buy.
  • Voluntary excess is the amount you personally agree to pay towards an insurance claim on top of the standard or compulsory excess. Generally, the more you’re willing to pay, the lower your car insurance price. But you should only agree on an excess you can afford to pay after an accident.
  • Your driving history is a major factor and the lack of experience for a young driver does count against you. How long you’ve been driving for, how many years no-claims bonus (NCB) you’ve got and any points on your licence will all affect your car insurance prices.

These factors apply to drivers of all ages. But this information alone isn’t enough to base a quote on, so insurers also use statistical data from all of their customers to work out the level of risk. Higher risk equals higher prices.

How can I get cheaper car insurance as a young driver?

Understanding the factors that influence the cost of young driver insurance can help you reduce the cost.

Here’s 6 things you can do that could help you save money on your car insurance:

1. Think about the car you drive. Cars are put into groups from 1-50, according to their age, engine size and average repair costs. Powerful cars in high insurance groups are more expensive to insure. They also cost more to repair if you’re in an accident. Choosing a smaller, cheaper car can help save on insurance, especially when you’re a young driver with less driving experience.

2. Adding extra security like an alarm, immobiliser or a tracker means it’s less likely to be broken into or stolen. By making your car secure, insurance companies are more likely to offer you a cheaper quote.

3. Adding a named driver with more experience, like a parent as a named driver on your policy, could bring down the cost. You should only add named drivers who drive the car, and the main driver should always be the person who drives the car the most. Putting the main driver down as a named driver is known as fronting - an illegal practice that could invalidate your insurance.

4. Increase your voluntary excess as the more excess you pay, the lower your premium will be. However, it’s important to remember there may also be a compulsory excess to pay too, so you shouldn’t agree to an amount you couldn’t realistically afford to pay if you need to claim.

5. Shop around and compare quotes from a range of providers. Rather than going direct to an insurer and getting just one price, compare insurance quotes from a range of insurers. You’re more likely to find an affordable policy. We compare car insurance quotes from up to 140 insurers to save you time and money.

6. Choosing a black box or telematics policy can make insurance more affordable, especially for young, inexperienced drivers. Having a small box fitted to your car or using an app means the insurer can keep an eye on when, where and how you drive so they can reward good driving with cheaper insurance.

See the rest of the tips we have that can help reduce the cost of your car insurance.

Compare cheap young driver car insurance quotes

What are the cheapest cars to insure as a young driver?

Getting yourself a car that is cheap to insure will help bring down the cost of young driver insurance.

According to our data, some of the cheapest cars for 17-year olds to insure2 include:

  • Toyota Aygo x-trend TSS VVT-i
  • Skoda Citigo Colour Edition MPI 60
  • Volkswagen up! High up! 75
  • Hyundai I10 STYLE (78)
  • Fiat 500s

Cars in higher insurance groups tend to be more expensive to repair or replace.

The insurance group a car is in can be affected by:

  • Performance such as the acceleration and top speed
  • New car price with the more expensive a new car is, the more it costs to replace
  • The cost of replacing car parts if it’s involved in an accident. This is worked out using a standard list of 23 parts that are the most commonly damaged.
  • Security and how secure the car is against theft. The better the manufacturer-fitted security, the higher the chance of the car being placed into a lower insurance group.

If you haven’t already bought your car, take a look at our list of the top 10 cheapest cars to insure in 2021.

2Based on Confused.com data September 2021 - March 2022

What our car insurance expert says

Young drivers often face high insurance prices because they’re seen as a higher risk, but there’s plenty of things you can do to help reduce costs. The easiest and quickest way to save money on car insurance is to shop around. Comprehensive cover may often work out to be a cheaper option – so make sure to look at all levels of cover when you compare quotes.
Alex Kindred signature

Alex Kindred

Car insurance expert

Need more help?

When does car insurance get cheaper for young drivers?

There’s no magic number, turning 25 won’t suddenly change how your insurance is calculated. But if you drive sensibly and build up your no-claims bonus (NCB) you should see your prices reduce over time.

Can I drive other cars on my policy?

Driving other cars (DOC) may be included on some comprehensive policies, but young drivers don’t usually get the DOC benefit. Most insurers won’t offer DOC cover to drivers under the age of 25.

Can a dashcam lower young driver car insurance costs?

Some providers offer a discount if you have a dashcam installed in your car. Dashcams provide useful evidence if you’ve had an accident, and some insurers think it makes drivers more careful on the road. When you’re getting a quote, we’ll ask you if you have a dashcam fitted to your car. If you do use one, you can use this question to let us know.

Will adding my parents to my insurance make it cheaper?

Yes. Adding older, more experienced drivers to your insurance may bring your costs down a little. However, don’t try and reduce costs further by claiming your mum or dad is the main driver. This is called fronting – it’s illegal and could invalidate your insurance.

Can I let a friend drive my car?

Your insurance policy will normally allow you to add a number of named drivers to your policy. If you have a friend or relative that may regularly need to drive your car it’s worth getting them added. For ad hoc use, or in an emergency, short term or temporary insurance can usually be arranged in minutes.

Can I spread the cost of my car insurance?

Car insurance is expensive, and you can arrange to pay it monthly to spread the cost and make it more affordable. However, most insurers charge you interest to do this, boosting your overall cost, so it’s cheaper to pay it in one go if you can.

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