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Young drivers car insurance

Compare cheap car insurance quotes for young drivers

  • Save up to £235* on your car insurance
  • Comparing car insurance is fast, free and simple!
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Which car insurance brands do we work with?

We compare dozens of the biggest insurance providers in the country, including:

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How to compare car insurance quotes for young drivers

Find cheap car insurance quotes for young drivers with MoneySuperMarket

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It doesn't take long

Pop in a few details about yourself,
your car and driving history, and
any named drivers

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We’ll search for savings

We’ll show you which car insurance
quotes are the cheapest and offer
the best cover

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and insurance reminders - so you’ll
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What type of car insurance should young drivers take out?

There are three main types of car insurance to choose from:

  • 1 icon

    Fully comprehensive

    fully comprehensive car insurance policy protects you, your vehicle and other drivers from any damage you cause, as well as repair costs, medical expenses, fire damage and theft of your vehicle. 

    £1,525 per year2

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    Third-party, fire and theft

    Third-party, fire and theft policies cover repair costs for other people, their cars and their property, as well as your own vehicle if it’s stolen or damaged by fire

    £1,802 per year2

  • 3 icon


    Third-party cover is the minimum legal requirement for motorists – it only offers cover for damage you cause to other people, their cars and their property, and it’s also the most expensive

    £2,287 per year2

2Average premiums for drivers aged between 17 and 24. According to MoneySuperMarket data accurate as of November 2020

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How much does car insurance cost for young drivers?

Motorists aged between 17 and 24 traditionally pay much more for car insurance than older drivers – and it’s those 19 or younger that pay the most, over £300 more a year than drivers aged 25 to 293.

3According to MoneySuperMarket data accurate as of November 2020

young drivers average premium table

Why is car insurance more expensive for young drivers?

Young drivers are statistically more likely to be involved in a serious road accident. In 2018 47% of reported road accidents in the UK involving drivers aged 17 to 19 resulted in casualties – and 46% involving drivers aged 20 to 24. This was higher than any other age group4.

The higher likelihood of casualties means insurers see young drivers as a high-risk group, and therefore cover is more expensive to take out. However you can take action to reduce the cost of car insurance.

4According to UK government data found in the 2018 Road Casualties Report and collected in September 2019, accurate as of March 2020

How does telematics cover work?

Telematics cover is when your insurer adjusts your car insurance premiums based on data collected while monitoring your driving habits. They do this through one of three types of telematics tech:

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A black box

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A plug-in-device

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An app on your phone

How much does telematics insurance cost?

Telematics car insurance might not immediately be cheaper than a standard policy, but driving safely and sensibly can help you earn a discount from your insurer. Other factors including when and how many miles you drive also have an impact, so avoiding rush hour and curfew times can also help you save money.

Telematics insurance providers collect and analyse data about your driving in different ways, so it’s worth checking how your insurer calculates your driving score.

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Andy G Teasdale

Our expert says

"Car insurance can be expensive, particularly for young drivers. Insurance premiums are based on risk and less experienced drivers are seen as a bigger risk. Thankfully, there are things you can do to help keep the cost down such as reducing your mileage and adding named drivers to your policy. It’s also important to shop around – MoneySuperMarket lets you compare policies from over 100 brands, helping you find the right cover at the best price. "

- Andy G Teasdale, product manager of car insurance

Car insurance for specific age groups

If you're 17, 18, 21 or 25 and you want to know more about car insurance for your specific age category, MoneySuperMarket has produced some detailed guides. Find out more here:

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Car insurance for 17-year-olds

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Car insurance for 18-year-olds

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Car insurance for 21-year-olds

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Car insurance for 25-year-olds

Drivers in the UK are legally required to have at least third-party car insurance in place, as a result of the continuous insurance enforcement rules brought in as part of the 2006 road safety act. Unless your car is legally registered as off the road with a SORN or in the process of being sold or bought, you may be fined for not insuring the vehicle.

Things are no different for young drivers – who are more likely to cause expensive accidents.

There are some steps you can take as a young driver to help reduce the cost of car insurance.

When you buy a car:

  • Pick a car in a lower insurance group, as they’re safer on the road and cheaper to cover
  • Drive as few miles as you can, as the less time you’re on the road the less likely you are to be involved in a road accident
  • Keep the car safe and secure, as storing vehicles in a locked garage reduces the chances of theft or vandalism occurring

When you compare car insurance quotes:

  • Consider a telematics policy and earn a lower premium as you use your car by showing you can drive safely and sensibly
  • Add an experienced named driver to your policy, so insurers see you won’t be solely responsible for the vehicle
  • Pay annually, because insurers generally charge more for the benefit of spreading the cost of cover over 12 months
  • Pay a higher voluntary excess – as long as you can still afford it – as this shows insurers you won’t bother with frivolous claims

While driving courses such as Pass Plus or IAM do improve your driving, they won’t always get you cheaper car insurance premiums. The average driver won’t see any difference in premiums whether or not they have Pass Plus on their licence – but that doesn’t mean it won’t benefit you at all. Younger or inexperienced drivers might be able to save a few quid, but it’s better to shop around and compare options – this way if insurers do offer discounts you’ll be able to take advantage.

As a young or new driver, you might be able to knock a few pounds off your premiums by adding another more experienced driver to your policy – in most cases this will be your parents. This suggests to insurers that you won’t be the only person driving the car, therefore the assumed risk won’t always quite so high.

While this can be a good way to get cheaper cover, people sometimes take advantage of this by declaring the older or more experienced driver as the ‘main driver’ – when in reality it’ll be the young or new driver using the car more frequently. This is known as ‘fronting’ and it’s illegal.

As a parent or guardian, you are allowed to add a younger driver to your car insurance, which allows them to drive your car. This will increase the cost of your insurance, as there’s now a less experienced driver at the while from time to time, but if they use the car occasionally it’ll be a lot cheaper overall than buying them a separate policy.

What you shouldn’t do is declare yourself the ‘main driver’ of a car that’s mostly driven by a younger person. This is illegal insurance fraud, often known as fronting.

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 you take out car insurance as a young driver, be careful about the additional features you choose – they do bolster your cover, but you’ll generally need to pay more for the extra protection. Depending on your provider, you’ll usually have the choice of:

  • Breakdown cover, which gives you access to roadside assistance if your car breaks down
  • Windscreen cover, which lets you claim for the cost of replacing a cracked or shattered windscreen
  • Legal cover, which will pay out for certain legal costs related to a claim by you or another party
  • Driving abroad cover, which insures you for taking your car overseas and driving in the EU
  • Courtesy car cover, which provides a replacement vehicle for you to use while yours is in repair
  • Multi-car cover, which lets you drive more than one car under a single policy
  • Personal accident cover, which pays out in the event that you’re injured or killed in a road accident
  • Replacement keys, which covers the cost of replacing a set of keys if they’re lost, damaged or stolen
  • Wrong fuel, which pays for repair costs if you accidentally top up the tank with the wrong fuel

MoneySuperMarket gives you lots of clever ways to save a lot, by doing very little.

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