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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.
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.
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 | £1407.06* |
20 to 29 | £1024.45* |
30 to 39 | £662.26* |
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: £1407.06* 20-29: £1024.45* |
Third party, fire and theft | 17-19: £1619.64* 20-29: £1437.45* |
Third party only | 17-19: £1144.85* 20-29: £1338.40* |
51% of under 25s pay this amount of less for comprehensive car insurance through MoneySuperMarket.
10% of under 25s pay this amount or less for comprehensive car insurance through MoneySuperMarket.
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?'
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.
Did you know insurers charge interest on monthly payments? Paying annually means you won't pay any interest.
on average. Generally speaking, it's cheapest to renew 20-29 days before your policy renewal date. The above figure is the average saving for MoneySuperMarket customers renewing 22* days early.
Annual mileage (miles) | Average £ saving | Average % saving |
|---|---|---|
Under 1,000 | £337.39* | 20.31%* |
1,000 - 3,000 | £407.95* | 24.55%* |
3,000 - 6,000 | £414* | 24.92%* |
6,000 - 10,000 | £359.98* | 21.67%* |
10,000 - 20,000 | £257.15* | 15.48%* |
Over 20,000 | £0* | 0.00%* |
on average.
When getting a quote, don't choose a mileage band without a bit of thought. Overestimating your annual mileage could dramatically affect how much you pay. If you don't use your car very often, make sure you only quote the miles you're likely to drive.
It's also worth weighing up other options of travel if it means you use your car less. Walking, car sharing, or even using public transport more regularly could help to reduce your annual mileage.
Adding an experienced, named driver to your policy indicates you're not the only person driving the vehicle. If the driver you're adding is older and more experienced, there's a good chance you'll save money.
Number of additional drivers | Average £ saving | Average % saving |
|---|---|---|
None | £0* | 0.00%* |
1 | £103.08* | 7.73%* |
2 | £152.73* | 11.45%* |
3 | £118.83* | 8.91%* |
Electric cars are generally more expensive to repair, so they come with higher insurance costs.
If you haven't bought a car yet, then pay attention to the fuel type and insurance group. Features of your car will ultimately impact the price you pay.
Fuel type | Average price for under 25s |
|---|---|
Petrol | £1262* |
Diesel | £1547* |
Electric | £1457* |
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There are three types of cover to choose from when you buy car insurance as a young driver. These are:
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.
Third-party, fire and theft covers your vehicle for theft, accidents, and fire damage as well as other people, their vehicles, and their property.
Third-party, fire and theft covers your vehicle for theft, accidents, and fire damage as well as other people, their vehicles, and their property.
Based on a fully comprehensive policy, here is what is and isn't covered with young drivers' insurance:
Damage to your vehicle
Third-party damage caused by your vehicle
Motor legal protection
Serious or fatal injuries
Vehicles and drivers not named on your policy
Standard wear and tear
Accidents if you're under the influence
Invalid driving licence
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 |
|---|---|
Performance Direct* | £221.29* |
Co-Op Essentials* | £321.48* |
Carole Nash* | £328.12* |
Saga* | £340.96* |
One Protect* | £374.01* |
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.
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
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.
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.
You may need to buy extra cover if you’re driving abroad
You may not be covered if you lose your car keys and need a replacement
This covers the cost of draining the incorrect fuel and refilling with the right fuel
You may not be covered for windscreen damage automatically
This covers anything you leave in your car which is then stolen
If you want to protect your no claims bonus but you need to make a claim
Breakdown cover lets you claim for the cost of calling for roadside assistance if your vehicle breaks down
Courtesy car cover gives you access to a temporary replacement vehicle if yours is out of action
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 Commercial Director
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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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
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.
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.
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.
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.
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.
You work hard to earn your money, and we don’t think you should waste a penny of it paying over the odds on your household bills. That’s why at MoneySuperMarket, we’re on a mission to save Britain money.
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You might be wondering if we work with all the companies in the market, or if our commercial relationships with our partners might make us feature one company above another. We’ve got nothing to hide, and we want to give you clear answers when it comes to questions like these, so we’ve pulled together everything you need to know on this page.
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Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in May 2025.
Based on the median annual price of third party, fire & theft car insurance policies sold through MoneySuperMarket in May 2025.
Based on the median annual price of third party only car insurance policies sold through MoneySuperMarket in May 2025.
Based on the 51st percentile of comprehensive for under 25 aged policyholders car insurance policies sold through MoneySuperMarket in the month of May 2025.
Based on the 10th percentile of comprehensive for under 25 aged policyholders car insurance policies sold through MoneySuperMarket in the month of May 2025.
Based on Car Insurance enquiries on MoneySuperMarket between 2025-01-01 and 2025-04-01 where the quote was for comprehensive covertype.
Based on the median annual price where policyholder was in the age group 17-24 and the vehicle was an petrol engine type for car insurance policies sold through MoneySuperMarket between March 2025 and May 2025.
Based on the median annual price where policyholder was in the age group 17-24 and the vehicle was an diesel engine type for car insurance policies sold through MoneySuperMarket between March 2025 and May 2025.
Based on the median annual price where policyholder was in the age group 17-24 and the vehicle was an electric engine type for car insurance policies sold through MoneySuperMarket between March 2025 and May 2025.
T&Cs and restrictions apply, see here for more information
T&Cs apply, click here for more information
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 average annual price of policies sold through performance direct on MoneySuperMarket between March 2025 and May 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 March 2025 and May 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 March 2025 and May 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 March 2025 and May 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 one protect on MoneySuperMarket between March 2025 and May 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.
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