Young Driver Car Insurance Guide

We explain how to save money on your car insurance if you're new to driving.

Updated on 25 August 2009.

Young girl holding car keys

Young drivers will find it more expensive to get car insurance because statistically they are more likely to be involved in an accident than drivers over 25. According to the National Safety Council, drivers between 16 and 17 years old are three times more likely to be killed in a traffic accident than people between 25 and 64. Young people are a higher risk, allowing higher premiums to be charged for young driver car insurance.

Several companies specialise in insuring younger drivers, however specialist insurers aren't always the cheapest so it pays to shop around.

You can help to reduce your young driver car insurance quotes. A lot of insurance companies will offer a discount to a young driver with further driving qualifications such as the pass plus test, which often pays for itself in the first year. The engine size is key in calculating the insurance premium so you will cut your insurance premium if you choose a 1 litre car rather than the big car you may prefer. However a young driver starts with no history of insurance, and therefore cannot take advantage of a no claims bonus.

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Young driver car insurance is expensive, whether the value of the car is a few hundred pounds or several thousand the insurance company has to pay out damages to the other car as well, which could be very high!

The number of passengers a novice driver carries also have to be covered by that driver's third party insurance. This is expensive as passengers of young drivers face a higher risk of being involved in a serious accident. One additional passenger makes a crash twice as likely and it becomes 5 times as likely should there be two or more characters.

It is nine times more likely a teenage male driver is at fault for an accident than someone aged 31-40 with the same experience. A 17 year old male is seven times more likely than a middle-aged man to be involved in an accident for every mile driven. Young people are also three times as likely to be the cause of a traffic accident. More journeys are made at night by young drivers, this may explain why they are involved in more accidents than people over 25.

These risks need to be covered by higher premiums, which is why insurers specialise in young drivers.

Tips for holding down insurance rates:

  • Keep you license clean. Points and on the spot fines are a warning sign of risk-taking, inattentiveness or poor driving skills. Accidents may often follow which will increase insurance costs.
  • It costs less to insure a young driver for occasional use of a car than if that young person is the main driver and is using the car extensively for many miles of driving.
  • Drive a conventional vehicle. Individuals who drive "ordinary" cars generally are less likely to have an accident than those who drive high-performance cars or vehicles that have been modified for high-speed or high-performance. Insurers look for things such as racing tires or lowered suspensions systems. Insurance companies often charge more to insure unconventional cars.

Cheaper car insurance for young people in the UK generally comes as a young person reaches the mid-20's, simply because the lessons of life, experience and maturity, have taught that driving is a serious responsibility.

Written by at money.co.uk

Further reading...

Can I insure a car if I'm not the registered keeper?

Driving someone else's car is a big responsibility so making sure you've got the right insurance is vital, but can you even insure a car if you're not the registered keeper? Here's what you need to know.

Can you suspend your car insurance?

Do you have to pay for insurance if you are not even using your car? Find out what you can do to freeze your car insurance:

Your no claims bonus questions answered

With the cost of car insurance rising exponentially year on year, a decent no claims bonus can help make car insurance more affordable. Here is everything you need to know about your no claims bonus.

How Many Years' No Claims Discount Do You Have on Your Car Insurance?

Getting a car insurance quote is a piece of cake these days, but are you missing out on a vital discount by not realising how many 'no claims' years you've built up? We explain how to find out how you have.