Car Insurance for Provisional Licence Drivers

How to get cheaper car insurance for provisional licence holders.

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If you're learning to drive, you'll pay higher car insurance costs. But there are ways to drive those costs down.

Young woman driving a car

Learning to drive is daunting and can be really expensive, so any additional costs, such as the hefty price of insurance premiums for provisional licence holders, can make it a financial burden for some people.

Provisional licence drivers are considered high risk by insurance companies, and therefore face the most expensive insurance costs, which is understandable.

Car insurance is calculated based on risk, so those who have very limited experience behind the wheel are amongst the most likely to be involved in an accident and to make a claim. This is why they have to pay expensive premiums.

On average, car insurance is 18% more expensive for provisional license holders than for full license holders

MoneySuperMarket data. For fully comprehensive policy. Correct as of June 2017

How learners can drive down the cost of cover

Here are a few tips to make your policy cheaper if you are learning to drive.

  • If you are a provisional licence holder, your own car insurance premiums will be much cheaper if a more experienced and older motorist is a ‘named’ driver on the policy.
  • This can be a parent or relation, or the person who is teaching you to drive in your own car.
  • To teach you how to drive, they must be over the age of 21 and have at least three years of driving experience.
  • Learner drivers who learn in someone else’s car should also be able to benefit from cheaper premiums as they won’t be the main driver on the policy.
  • If you are named driver on an experienced driver’s policy, then your premiums will be much cheaper than having your own car. That said, whoever is adding you to their policy should see their premiums increase substantially.
  • Some insurers offer short-term car insurance, from 1-28 days, which might work out much cheaper than adding a learner driver to an existing annual policy.

Please note: It is illegal to put someone else as the main driver on your car insurance when they aren’t really the primary user of the car, and is known as ‘fronting’. Fronting can result in insurance companies refusing any claims, points on your licence and more expensive insurance premiums in the future.

35% of young drivers have a named driver on their policy

MoneySuperMarket data. Correct as of June 2017

Use a driving school

If the cost of insurance is still out of your budget, it might work out a bit cheaper and more cost effective to just learn with a driving school. Here, the car insurance and fuel are included in the price of the lesson.

The price for driving schools vary, but it is around £24 per hour lesson on average according to the Driver and Vehicle Standards Agency (DVSA) in 2016. 

Average price per driving lesson infographic

Prices checked Sept 2017, and are when purchasing 10-hour blocks of lessons in Greater London.

This can also become expensive, as the DVSA also suggest having 45 plus hours of instructor-led learning – if you add up the price above, it comes to £1080, but this price will vary across the country.

The amount of lessons necessary will change with different drivers though, as some will need more help than others.

However, it is recommended that you have a few hours of private lessons in between. As it is illegal to drive without insurance, you may well have to buy a short term insurance policy anyway. Find out more in our guide about learning to drive.

Getting provisional insurance before your test

Getting provisional insurance pros and cons infographic

Pick your car carefully

Choosing the right model of car can have a major bearing on the price of your premiums when buying provisional licence insurance.

Every car is assigned to a car insurance group numbered between one and 50 with cars in group 1 generally being the cheapest to insure, and those in group 50 being the most expensive.

Find out which insurance group your car is in

Every car in the UK is allocated an insurance group to help insurers work out the cost of cover, running from 1 (cheapest premiums) to 50 (highest).
Key in your reg to find out where your car sits

Enter your registration number

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The car registration

Matches the car

Which belongs to Car Insurance Group

Save money on your car insurance

Car insurance is a hefty expense, but there's a good chance you can save money by shopping around rather than staying with the same firm at renewal. Loyalty doesn't pay!

Get a car insurance quote

Understand your no claims discount


“the right model of car can have a major bearing on the price of your premiums”

Performance enhancing modifications such as the addition of spoilers or alloy wheels will substantially bump up the cost of car insurance cover, and so should be avoided wherever possible, especially for learner drivers.

Security-enhancing modifications, however, such as alarms and immobilisers can make premiums cheaper, as they reduce the chances of your car being stolen.

Compare insurance with MoneySuperMarket

You will have a better chance of finding the cheapest car insurance for provisional licence drivers available if you compare deals available through multiple insurers.

MoneySuperMarket will do the leg work for you, comparing deals available through over 130 car insurance providers in the hope of finding the best deals on the market.

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