Car insurance for young drivers, compare from 130+ trusted UK insurers. Get quotes in minutes and find cover that fits your budget.
Compare car insurance for 17–25 year olds from 130+ UK insurers.
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Drivers aged 17–24 make up just 7% of UK licence holders but are involved in over 20% of fatal and serious collisions. Insurers price this risk into premiums, which is why cheap car insurance for young drivers can feel hard to find. The good news is there are proven ways to bring costs down.
Young drivers are statistically more likely to be involved in accidents, which increases claims costs for insurers.
New drivers make more errors in hazard perception and judgement, especially in challenging conditions.
Without a no claims bonus, young drivers miss out on discounts of up to 75% that experienced drivers enjoy.
There are several effective ways to reduce the cost of car insurance as a young driver.
Choose a car in insurance groups 1–5. Lower group cars are significantly cheaper to insure. The car you choose is one of the biggest factors affecting your premium as a young driver. See our guide to the cheapest cars to insure.
Consider black box insurance. Safer drivers could see significant savings at renewal — the most effective way for young drivers to cut costs.
Build your no claims bonus. Each claim-free year reduces your premium. The ABI states discounts can be as much as 30% for one claim-free year and 60% for five claim-free years.
Compare quotes from multiple insurers. Prices vary significantly between insurers for identical cover — always compare before buying or renewing.
Increase your voluntary excess. Raising your excess from £100 to £250 could reduce your premium. Only choose an amount you could comfortably afford to pay.
Report your mileage accurately. Lower annual mileage could mean lower premiums — though always ensure you're being truthful on your policy.
Avoid modifications. Even cosmetic changes like alloy wheels can increase premiums and must be declared.
Pay annually. Monthly payments typically include interest charges. Paying upfront usually works out cheaper over the year.
Telematics policies monitor your driving and reward safe habits with lower premiums. The most effective way for young drivers to reduce costs.
Compare black box insurance →Often cheaper than third party for young drivers because insurers view comprehensive buyers as lower risk. Always compare both before deciding.
Read the fully comprehensive guide →Being added to a parent's policy is often cheaper than a standalone policy, but you won't build your own no claims bonus.
Never list a parent as main driver if you drive the car most — that is called fronting and it is insurance fraud.
Short-term cover for practising in someone else's car, protecting their policy and no claims bonus while you learn.
Can your parents teach you to drive? →Find affordable cover from 130+ trusted UK insurers. Enter your details once and see quotes in minutes — free with no obligation.
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Find answers to common questions about young driver car insurance.
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