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Young drivers insurance
Compare young drivers car insurance.
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Car insurance for young drivers
Young driver insurance is geared towards drivers under the age of 25. It’s not a specialist type of insurance, but as young drivers pay higher premiums it’s useful to be aware of the different products available as these can save you money in the long run.
For example, telematics policies are better suited to young drivers as they aim to make up for a lack of driving experience, rewarding drivers with lower premiums the more safely they drive.
Drivers under 25 are typically seen as higher risk and more likely to have an accident, so it’s harder to find cheap car insurance deals if you’ve only been driving for a few years.
Options 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:
Multi-car insurance: if your family have more than one car, then bundling all your cars under one policy can result in a discount.
Black box policies: a telematics or “black box” policy rewards safe driving over time, so if you don’t make a claim and drive safely you may get a cheaper quote when it comes to renewal.
Pay-as-you-go insurance: pay-per-mile policies, as well as temporary car insurance, mean you’ll only pay when you need to travel.
Named driver insurance: if you don’t own a car or can get by being using a parent’s car from time to time as a named driver, rather than as the main driver, then this will 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.
Age of main driver | Average annual premiums |
|---|---|
17 to 19 | £1426.08 |
20 to 29 | £1016.12 |
30 to 39 | £629.48 |
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: £1426.08^ 20-29: £1016.12^ |
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?
£1294^
51% of under 25s pay this amount of less for comprehensive car insurance through MoneySuperMarket.
What's the cheapest car insurance for under 25s?
£440^
10% of under 25s pay this amount or less for comprehensive car insurance through MoneySuperMarket.
Why is insurance more expensive for young drivers?
There are a few reasons why young drivers' insurance is so expensive including:
Lacking experience as a new driver
Risk-taking behaviour being more common among younger drivers e.g. speeding or driving under the influence
Peer pressure, which is more common among young drivers
Vehicle choice (some cars are more expensive to insure than others so the type of car you drive can affect the cost of your policy)
You can find out more about the why 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 usually 20 days before - comparing quotes on this day can save you up to £231
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:
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Fully comprehensive
Fully comprehensive cover is the best car insurance policy as it gives you the highest level of protection. It will cover you for a wide range of risks, often at the cheapest price.
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Third-party, fire and theft
Third-party, fire and theft covers your vehicle for theft, accidents, and fire damage as well as other people, their vehicles, and their property.
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Third-party, fire and theft
Third-party, fire and theft covers your vehicle for theft, accidents, and fire damage as well as other people, their vehicles, and their property.
What's covered by young drivers' car insurance?
Based on a fully comprehensive policy, here is what is and isn't covered with young drivers' insurance:
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What's covered
Damage to your vehicle from accidents, theft, fire or vandalism
Third-party damage caused by your vehicle
Motor legal protection, which pays out for legal costs you may face related to a claim
Serious or fatal injuries - compensation if you’re seriously or fatally injured in a road accident
No-claims bonus protection - the vehicle owner won’t lose their no-claims discount if you have an accident in their car
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What's not covered
Non-named drivers - Anyone who was not named on your policy
Standard wear and tear to your car, such as worn brake pads or tyres
Drugs and alcohol - Accidents if you're under the influence (this can include prescription drugs)
Driving without a valid licence - if you’re driving after your licence has been revoked (cancelled)
Mileage beyond agreed limits may not be covered or your premium may be adjusted if you exceed the thresholds set by your insurer
Certain types of vehicles, such as classic cars, commercial vehicles, and high value cars, may not be covered
Frequently asked questions for first time 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 | £294.16 |
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
You may not be covered if you lose your car keys and need a replacement.
Wrong fuel cover
This covers the cost of draining the incorrect fuel and refilling with the right fuel.
Windscreen cover
You may not be covered for windscreen damage automatically.
Personal belongings cover
This covers anything you leave in your car which is then stolen.
Our expert says…
It’s unsurprising that so many people are delaying or have delayed learning to drive because of the costs. In our latest Household Money Index, we uncovered that the cost to get on the road has risen to £7,609 for 17-20 year-olds. 35 years ago, the same costs would have amounted to £3,234 when adjusted for inflation, which means the latest figure is more than double the rate you’d expect because of inflation. Car insurance alone – accounting for almost £1,700 of that figure – has risen 27% since 2019, so there’s never been a better time to compare deals to make sure you’re not paying more than you should.
Black box or telematics policies can be one way for young drivers to bring down the cost of their premiums over time. These policies enable insurers to collect data about the way you drive, which can then feed into future renewal prices and reduce the cost of your premiums.
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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Why compare young drivers' insurance with MoneySuperMarket?
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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Trusted
With 30 years' experience, we're trusted by our customers and work only with FCA regulated providers
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Save Time & Money
If you find the same deal for less, we'll price match* and give you a gift card worth up to £20
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Buy through us and get unlimited access to free days out (on our app) and more with SuperSaveClub.
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.
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 younger driver to your car insurance but it may increase the cost of your insurance.
If the younger driver only uses the car occasionally, it’ll likely be cheaper to add them as a named driver to another driver's policy than buying them a separate policy.
However, you can't declare yourself the 'main driver' if the younger person is the one who will be using the car the most. This is illegal and known as fronting.
Can my son or daughter drive my car if they don’t live with me?
Adding someone to your policy as a named driver should allow them to drive your car even if they don’t live with you – but you must always ask your insurer before you try.
When does young drivers car insurance get cheaper?
Car insurance premiums generally get cheaper every year, providing you don’t get any claims or convictions on your record.
However, insurers will still see you as a young driver until you reach 25 years old, so you will need at least a few years of driving experience before you start seeing a real difference in your insurance cost.
Is black box car insurance cheaper?
Black box car insurance can be cheaper but it depends on your driving habits. If you drive safely, you can sometimes get a discount on your future premiums, but driving dangerously may have the opposite effect.
How does MoneySuperMarket create and review the content on the website?
At MoneySuperMarket, we want to give you clear, accurate and trustworthy information so you can make confident financial decisions for your circumstances.
Every page on our website goes through a careful editorial process before it is published. It’s written or reviewed by one of our experienced experts, checked for accuracy, and updated regularly to reflect the latest information.
We do use AI tools to support our research and drafting, but a human editor is always in the loop to review, fact-check and approve everything before it’s published, so you can trust that what you’re reading is both reliable and up to date.
You can read more in our editorial guidelines.
How does MoneySuperMarket make money?
We get paid by the companies we work with, but the payment we get doesn’t have any bearing on the information we provide. We get paid in different ways, depending on the type of product or service you buy through us. Our goal is to search deals from as wide a range of companies as possible, but we only show results from our partner providers.
Our comparison service is, and will always be, free to use.
Why should I use a price comparison website?
One of the best ways to get the lowest prices and best deals is to compare quotes from different companies. We do the work for you, comparing quotes side-by-side and giving you all the information you need so you can choose the right deal for your needs and your wallet.
We don’t give recommendations or financial advice, but we give you clear information so you can choose financial products that suit your circumstances.
Does MoneySuperMarket work with all the providers on the market?
No, not every company can be included in our service. This is because some companies don’t want their products included on comparison sites, and some decide that they would rather not pay a fee. There are also a few smaller providers who can struggle to cope with the volume of customers that can find their products if they appear on MoneySuperMarket.
Our goal is to search deals from as wide a range of companies as possible so that you can choose the deal that suits you.
Is car insurance eligible for SuperSaveClub and rewards?
Yes, you can earn SuperSaveClub rewards when you buy car insurance through MoneySuperMarket.
This includes:
Up to £15, which you can withdraw as a pre-paid Mastercard or a gift card for brands like Sainsbury's and Amazon.co.uk
Free Days Out pass (worth £180), which gives free entry to a range of UK attractions
Cashback of up to 10% when you spend at brands including eBay, Just Eat and Argos
To earn SuperSaveClub rewards on purchases you must:
Sign up to SuperSaveClub (it's free)
Be signed in to your account when you make the purchase
More information can be found on our SuperSaveClub homepage.
Is car insurance eligible for Price Promise?
Yes, car insurance is included in our Super Save Price Promise.
If you buy through us then find the same deal for less we will:
refund the difference
give you a gift card worth up to £20
Terms and conditions apply. More information can be found on our Price Promise page.
Reviewed on 12 Dec 2025 by
YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from “Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in October 2025.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in October 2025.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in October 2025.
Based on MoneySuperMarket quoted policies for annual car insurance, between July 25th 2024 and October 23rd 2024
Based on MoneySuperMarket quoted policies for annual car insurance, between August 7th 2024 and November 5th 2024
Based on MoneySuperMarket quoted policies for annual car insurance, between August 7th 2024 and November 5th 2024
Based on the car insurance policies sold through MoneySuperMarket between August 2025 and October 2025.
Based on 1 visit per month – average ticket value £15.30 (Oct 24)
T&Cs and restrictions apply, see here for more information
Based on the median annual price of third party, fire & theft car insurance policies sold through MoneySuperMarket in October 2025.
Based on the median annual price of third party, fire & theft car insurance policies sold through MoneySuperMarket in October 2025.
Based on the median annual price of third party only car insurance policies sold through MoneySuperMarket in October 2025.
Based on the median annual price of third party only car insurance policies sold through MoneySuperMarket in October 2025.
Based on the average annual price of policies sold through saga on MoneySuperMarket between August 2025 and October 2025 and the provider sold with over 200 sales in the period, where only one driver was on the policy who had held a full uk car insurance license for at least 1 year.
Based on the average annual price of policies sold through saga on MoneySuperMarket between August 2025 and October 2025 and the provider sold with over 200 sales in the period, where only one driver was on the policy who had held a full uk car insurance license for at least 1 year.
Based on the average annual price of policies sold through carole nash on MoneySuperMarket between August 2025 and October 2025 and the provider sold with over 200 sales in the period, where only one driver was on the policy who had held a full uk car insurance license for at least 1 year.
Based on the average annual price of policies sold through carole nash on MoneySuperMarket between August 2025 and October 2025 and the provider sold with over 200 sales in the period, where only one driver was on the policy who had held a full uk car insurance license for at least 1 year.
Based on the average annual price of policies sold through co-op essentials on MoneySuperMarket between August 2025 and October 2025 and the provider sold with over 200 sales in the period, where only one driver was on the policy who had held a full uk car insurance license for at least 1 year.
Based on the average annual price of policies sold through co-op essentials on MoneySuperMarket between August 2025 and October 2025 and the provider sold with over 200 sales in the period, where only one driver was on the policy who had held a full uk car insurance license for at least 1 year.
Based on the average annual price of policies sold through m&s car insurance on MoneySuperMarket between August 2025 and October 2025 and the provider sold with over 200 sales in the period, where only one driver was on the policy who had held a full uk car insurance license for at least 1 year.
Based on the average annual price of policies sold through m&s car insurance on MoneySuperMarket between August 2025 and October 2025 and the provider sold with over 200 sales in the period, where only one driver was on the policy who had held a full uk car insurance license for at least 1 year.
Based on the average annual price of policies sold through post office premier on MoneySuperMarket between August 2025 and October 2025 and the provider sold with over 200 sales in the period, where only one driver was on the policy who had held a full uk car insurance license for at least 1 year.
Based on the average annual price of policies sold through post office premier on MoneySuperMarket between August 2025 and October 2025 and the provider sold with over 200 sales in the period, where only one driver was on the policy who had held a full uk car insurance license for at least 1 year.
Based on the 51st percentile of comprehensive for under 25 aged policyholders car insurance policies sold through MoneySuperMarket in the month of October 2025.
Based on the 10th percentile of comprehensive for under 25 aged policyholders car insurance policies sold through MoneySuperMarket in the month of October 2025.
T&Cs and restrictions apply, see here for more information
T&Cs apply, click here for more information