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.
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.
Car insurance expert
Need more help?
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.
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.
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.
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.
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.
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.