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Young drivers insurance
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Car insurance for young drivers
Young drivers car insurance is typically aimed at drivers aged under 25. Insurers tend to see this group as higher risk due to accident statistics and lack of driving experience, which pushes up premiums.
As a young driver you can get insurance products like telematics, also known as black box insurance, to help lower the cost. If the data from the telematics device shows you have low-risk driving behaviours your insurer will offer you a lower premium when you renew.
Once you have a year’s driving experience without making any claims on your insurance you can also benefit from a no-claims discount.
What is the best car insurance for young drivers?
While there's nothing wrong with taking out a standard car insurance policy, there are a few options that could result in cheaper premiums for young drivers:
Black box policies: A telematics or ‘black box’ policy rewards safe driving over time
Pay-as-you-go insurance: You’ll typically pay a per-mile charge, along with a set monthly fee
Named driver insurance: If you don’t own a car you could be added to your parent’s car as a named driver, which could be cheaper than having your own policy for your own car
How much does car insurance cost for young drivers?
Car insurance prices are usually higher for younger drivers than they are for older, more experienced drivers. This is typically because younger drivers have less experience and are more likely to take risks.
As a result, insurance providers see you as more of a high risk, and therefore, charge you higher premiums until you build up your no claims discount and prove you're a safe driver.
However, the amount you'll pay will also depend on the policy type you choose, as well as personal risk factors such as your postcode and your job title.
Age of main driver | Average annual premiums |
|---|---|
17 to 19 | £1442.93 |
20 to 29 | £1016.88 |
30 to 39 | £629.51 |
Car insurance typically gets cheaper the older you get. The 17-19 age bracket pays the most for car insurance, with 20-29 year olds paying the second highest amount. However, the amount you'll pay will also depend on the policy type you choose, as well as other factors.
Policy type | Average price |
|---|---|
Comprehensive | 17-19: £1442.93^ 20-29: £1016.88^ |
Third-party, fire and theft | 17-19: £1659.90^ 20-29: £1575.29^ |
Third-party only | 17-19: £937.60^ 20-29: £1479.20^ |
How much do under 25s pay for car insurance?
£1301^
51% of under 25s pay this amount of less for comprehensive car insurance through MoneySuperMarket.
What's the cheapest car insurance for under 25s?
£442^
10% of under 25s pay this amount or less for comprehensive car insurance through MoneySuperMarket.
Why is insurance more expensive for young drivers?
Car insurance companies see young drivers as higher risk, and therefore charge a higher premium. This is due to young drivers’:
Lack of experience: One in five drivers crash within a year of passing their test, according to road safety charity Brake
Risk-taking behaviour: Young drivers may be “overconfident” about their ability to drive safely and experience peer pressure. This can lead to risk-taking behaviour such as speeding and tailgating, Brake says
Accident rate: Overall, in 2024, around a fifth of all killed or seriously injured casualties from car accidents involved a young car driver, according to Department for Transport statistics
You can find out more about the way car insurance policies are priced in our guide 'Why is car insurance so expensive?'
How can I get cheaper young drivers insurance?
We've looked through the data to find the best ways to save money on your car insurance. You can get as many quotes as you want, so if you're a young driver it's worth trying to tweak your policy requirements to see how it affects your price.
Buy car insurance 20-29 days early
Insurers generally offer you their best deals a few weeks before your policy starts as they perceive you as more organised, and therefore a lower risk driver than someone who arranges it last minute. The cheapest time is 28 days before.
Based on the median annual price by the number of days to policy start date for car insurance policies sold through MoneySuperMarket between August 2025 and October 2025
Pay your car insurance annually, not monthly
If you can afford to, it is worth paying for your car insurance in one go as you won’t pay interest. Annual payments are up to 31%
Choose an insurer with a black box policy
Telematics insurance, also called black box car insurance, give inexperienced drivers a chance to earn lower premiums by showing that they have sensible driving habits as it records your vehicle’s speed and how you brake, steer and corner.
Cut extras and add-ons
28%
For example, some cars have a special fuel cap system which prevents misfuelling so depending on your car’s make and model it might not be worth adding misfuelling cover.
Increase your voluntary excess when getting a car insurance quote
One of the simplest ways to reduce your insurance cost is to increase your voluntary excess because your insurer has less to pay out. Be careful not to increase your excess so much that you can't afford it if you need to make an insurance claim.
Build your no-claims discount
Insurers will always look at your claims history. You'll naturally build a no-claims bonus for every year you're not involved in an accident and don't make an insurance claim.
Park your car off the road
You can reduce the cost of motor insurance by parking your vehicle off the road when you're not using it. The best place to keep it overnight to reduce your insurance cost would be in a locked garage.
Add a named driver to your insurance policy
If you're a relatively new driver, adding an experienced named driver to your policy may bring down your insurance costs.
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What type of insurance do young drivers need?
There are three types of cover to choose from when you buy car insurance as a young driver. These are:
-
Fully comprehensive
Fully comprehensive is the most inclusive policy, covering you, your car, its contents, and passengers. It often includes extras such as windscreen cover and the use of a courtesy car as standard. It is often the cheapest option despite having the widest cover as drivers who choose this are less likely to claim.
-
Third-party, fire and theft
Third-party, fire, and theft policies build upon third-party only cover by adding protection for your car in case of theft or fire damage. However, this type of insurance does not cover accidental damage to your car if you are at fault in an accident.
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Third-party, fire and theft
Third-party, fire, and theft policies build upon third-party only cover by adding protection for your car in case of theft or fire damage. However, this type of insurance does not cover accidental damage to your car if you are at fault in an accident.
What's covered by young drivers' car insurance?
Based on a fully comprehensive policy, here is what is and isn't typically covered with young drivers insurance:
-
What's usually covered
Damage to your vehicle: You’ll be able to claim on your policy for damage done to your own car from an accident, fire, vandalism or a natural disaster such as storm damage, as well as a replacement vehicle if yours is stolen
Third-party damage caused by your vehicle: You’ll be covered for damage you cause to a third-party, their vehicle or their property
Legal costs: Fully comprehensive cover often includes motor legal protection, which pays out for legal costs you may face related to a claim
Serious or fatal injuries: A personal accident policy offers compensation if you’re seriously or fatally injured in a road accident
Windscreens: You’ll often be able to claim for a windscreen repair or replacement if you get a windscreen chip or a cracked windscreen
-
What's not usually covered
Vehicles and drivers not named on your policy: Drivers that haven't been named on your policy and driving other cars is not covered
Standard wear and tear: Fully comprehensive cover doesn't extend to normal wear and tear that's expected over time
Accidents if you're under the influence: You won't be covered in the event of an accident while you're under the influence of alcohol or drugs
Invalid driving licence: If you or another named driver are driving without a valid licence (e.g. if it's out of date), you won't be covered
Mileage beyond agreed limits: May not be covered or your premium may be adjusted if you exceed the thresholds set by your insurer
Frequently asked questions for young drivers
What's the best car insurance for young drivers?
A comprehensive car insurance policy is a good option for young drivers, as it offers the most protection for you and your car if you were involved in an accident.
Here are some of the cheapest insurance providers to consider in 2025:
Insurance provider | Annual policy cost |
|---|---|
Saga | £294.23 |
Carole Nash | £310.33 |
Co-Op Essentials | £334.49 |
M&S Car Insurance | £339.56 |
Post Office Premier | £353.11 |
When does car insurance start to get cheaper?
Car insurance typically becomes cheaper after the age of 25, when drivers are considered less of a risk. However, other factors can affect the cost of car insurance, such as driving history, location, and the type of car.
Which cars are the cheapest to insure?
Compact cars in lower insurance groups with small engines are generally cheaper to insure. Here are some examples of cheap cars to insure in 2025:
Fiat Panda
Citroen C1
Hyundai i10
Volkswagen Polo
Toyota Aygo X
Skoda Fabia
Renault Clio
What age are you no longer classed as a young driver?
In most cases, you are no longer considered a young driver once you reach 25 years old. However, car insurers also take into account driving experience.
So if you're over 25 but have only held your licence for one year, you may face higher premiums than someone who has held their licence longer, as you're seen as more inexperienced and a greater risk on the road.
What add-ons can I get with young driver car insurance?
Add-ons will cover you for scenarios and costs that are not typically included in car insurance policies.
While add-ons like breakdown cover can provide extra peace of mind, they do come with an extra cost that will be added to your policy.
Breakdown cover
If your car breaks down, breakdown cover provides assistance at the roadside to get your vehicle moving again. This may be particularly useful if you have an older vehicle which is more likely to suffer mechanical problems than a new one. You can sometimes get cheaper breakdown cover by combining it with your car insurance.
Courtesy car hire
Provides a replacement vehicle while yours is being repaired. This is ideal if you rely on your car daily for commuting. Courtesy car cover is often included for free in comprehensive car insurance policies.
Driving abroad cover
Your insurance may cover you for driving abroad but it may be third-party only cover so you’ll need to speak to your insurer if you want to upgrade it to comprehensive cover.
No claims discount protection
Protects your no-claims discount by letting you make a certain number of claims within a year before it affects your premiums. Building a no-claims discount will reduce your premiums over time and if you’ve had no claims for several years you might want to protect it. But you’ll need to pay extra to do so.
Key cover
Covers the cost of replacing lost, damaged or stolen keys. If your car has keyless entry it will be more expensive to replace your key fob than if you have a standard car key so this might be a worthwhile add-on to your insurance. Some comprehensive policies may include cover for car keys.
Wrong fuel cover
Covers the cost of draining and cleaning the fuel tank if you accidentally put the wrong fuel type in your car (known as misfuelling).
Windscreen cover
Pays for the cost of repairing or replacing a cracked windscreen.
Personal belongings cover
Personal belongings cover offers protection for your belongings in the event your car is stolen. Some comprehensive car insurance policies may include this or it may be covered under your home insurance.
Our expert says…
The average car insurance quote for a 17-20 year-old rose by 27% between 2019 and 2024 – over five times the rate of inflation - according to our Household Money Index. So it’s important to compare deals to make sure you’re not paying more than you should.
It’s also worth looking at black box or telematics policies, which enable insurers to collect data about the way you drive and can reduce the cost of your premiums at renewal if you demonstrate you’re a low risk driver.
Sara Newell Motor & Home Insurance Expert
Guides and expert tips for young drivers
Keep up to date and find out all you need to know with our latest guides.
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Our mission is to make finding cheap car insurance easier for young drivers and to help you save money on your policy. So when you take out cover with MoneySuperMarket you can benefit from:
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What do I need to get accurate car insurance quotes?
Your car registration number and driving licence number
Any no-claims bonus you’ve accrued
When you bought the car and any modifications made
Your expected annual mileage
Whether you’ll use the car for social, commuting, or business purposes
Note: you can still get a quote if you don't know the registration yet
What is voluntary excess?
Your excess is the amount you contribute towards the cost of a claim before your insurer pays out the rest. Excess payments are generally divided into compulsory and voluntary payments. Compulsory excess is set by your insurer and voluntary excess can be adjusted by you.
So, if you make a claim on your policy worth £1,500 and your compulsory excess is £200, you’ll get a pay-out of £1,300. However, if you volunteer an excess fee of a further £150, your payout will drop to £1,150 - but the total cost of your policy will usually be cheaper.
If you do decide to increase your voluntary excess make sure you set it at a level you can afford if you need to make a claim.
You can learn more about excess in our guide to car insurance excess.
Can I add a younger driver to my car insurance?
Yes, you can add a young driver to your car insurance policy but be aware that this could push up your premium and if the young driver has an accident it will also impact your no-claims discount, if you have one.
From the young driver’s point of view, being a named driver could work out cheaper than taking out their own car insurance policy, especially if they only need to drive occasionally.
But make sure they’re not doing the majority of the driving in your car as that could be classed as fronting - a type of fraud where you falsely declare someone else as the main driver.
Can my son or daughter drive my car if they don’t live with me?
Your insurer may allow your son or daughter to drive your car if they don’t live with you. However, they will need to be added as a named driver on your insurance or have cover for driving other cars on their own insurance. You should check your policy wording or speak to your insurer to make sure you have the right cover in place before your son or daughter drives your car.
When does young drivers car insurance get cheaper?
Young driver car insurance gets cheaper, on average, once you are in your 20s, provided you have built up a no-claims discount and you have a clean driving licence. If you have a history of claims or any serious driving convictions then your premiums may remain high well beyond the age of 25.
Is black box car insurance cheaper?
Black box car insurance, also known as telematics insurance, can make your car insurance cheaper if you are a careful driver. However, if the data shows bad driving habits or if you do lots of nighttime driving that make you at greater risk of an accident, your insurance could go up.
So, before choosing a black box car insurance policy you need to assess your driving habits to make sure it’s right for you.
Find out more in our guide 'How does black box car insurance work?'
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Reviewed on 24 Dec 2025 by
