This is a list of car insurance companies that can cover 18 year olds.
You can visit each insurer's website to view policy details and get quotes. How our site works.
Aviva Car Insurance
Additional Excess
Under 21's: up to £300
Types of Policy Available
Comprehensive , TPFT & Multi car
Discounts
20% Online, Multi car & No claims
5 Star Defaqto rated car insurance from £185 - 10% paid this for standard cover. Save up to 20% online - 16% of customers are expected to receive the maximum saving.
Discount depends on individual circumstances and doesn't apply to optional extras. Minimum price applies. T&Cs apply.
Direct Line Car Insurance
Additional Excess
Under 21's: up to £450
Inexperienced drivers: up to £200
Types of Policy Available
Comprehensive & TPFT
Discounts
Second car & No claims
LV= Car Insurance
Additional Excess
Under 21's: up to £300
Inexperienced drivers: up to £200
Types of Policy Available
Comprehensive & TPFT
Discounts
Online, Second car & 79.5% No claims
75% no claim discount with five years claim free. 98% of customers would consider using LV= again (Reevoo). Tailor the cover to suit you with optional extras and try LV= telematics app to save even more on your car insurance.
Admiral Car Insurance
Additional Excess
Under 21's: £250
Inexperienced drivers: up to £150
Types of Policy Available
Comprehensive , TPFT, Multi car & Blackbox
Discounts
Up to 10% Online, Multi car & No claims
Save up to 10% by quoting online. Plus, many other benefits as standard.
Churchill Car Insurance
Additional Excess
Under 21's: up to £400
Inexperienced drivers: up to £250
Types of Policy Available
Comprehensive & TPFT
Discounts
10% Online, 15% Multi car & 80% No claims
Protect your claim free years from uninsured drivers. Terms and conditions apply. 80% off for 8+ years No Claim Discount, an introductory discount to reward safe drivers.
John Lewis Insurance Car Insurance
Additional Excess
Under 21's: varies
Inexperienced drivers: varies
Types of Policy Available
Comprehensive & TPFT
Discounts
15% Online & 75% No claims
Save 15% when you buy online. For new customers purchasing online. Discount is automatically applied when you get a quote. See T&Cs.
Nationwide Car Insurance
Additional Excess
Under 21's: up to £300
Inexperienced drivers: up to £200
Types of Policy Available
Comprehensive & TPFT
Discounts
Online, Second car & 75% No claims
Nationwide car insurance, provided by Liverpool Victoria Insurance Company Limited (LV=) and can be tailored around you, to cover exactly what you need. Offering high quality insurance at a competitive price, with UK only based call centres.
M&S Bank Car Insurance
Additional Excess
Under 21's: up to £400
Inexperienced drivers: up to £150
Types of Policy Available
Comprehensive & TPFT
Discounts
Second car & No claims
AA Car Insurance
Additional Excess
Under 21's: varies
Inexperienced drivers: varies
Types of Policy Available
Comprehensive
Discounts
No claims
Buy AA Car Insurance by 31 March 2015 and receive a £20 shopping voucher. Receive 12 months' free breakdown cover for non AA members and protected No-Claims for existing AA members. T&Cs apply.
The AA offer car insurance via a panel of insurers.
The Co-operative Insurance Car Insurance
Additional Excess
Under 21's: £300
Inexperienced drivers: £150
Types of Policy Available
Comprehensive & Blackbox
Discounts
up to 70% No claims
Free £50 worth of Co-operative food vouchers when you buy Co-op Car Insurance between 29th Dec 2014 and 31st March 2015. T&Cs apply. Get a quote today.
Hastings Direct Car Insurance
Additional Excess
Under 21's: £295
Inexperienced drivers: £195
Types of Policy Available
Comprehensive , TPFT & Blackbox
Discounts
up to 65% No claims
Hastings Direct competitively priced 5-Star Defaqto rated insurance was voted by the public in 2013 and 2014 as Consumer Moneyfacts Car Insurance Provider of the Year.
Privilege Car Insurance
Additional Excess
Under 21's: up to £400
Inexperienced drivers: up to £200
Types of Policy Available
Comprehensive & TPFT
Discounts
10% Multi car & 65% No claims
10% multicar discount
Endsleigh Car Insurance
Additional Excess
-
Types of Policy Available
Comprehensive , TPFT & Learner driver
Discounts
up to 77.5% No claims
Reliable cover for young and new drivers from Endsleigh. Plus, you can earn one year's no claims discount in just 6 months with a bonus accelerator policy.
This is an insurance broker.
Diamond Car Insurance
Additional Excess
Under 21's: £250
Inexperienced drivers: up to £150
Types of Policy Available
Comprehensive & TPFT
Discounts
Second car & No claims
Car insurance shaped for women. You could get £300 Handbag & Contents cover, 24-hr accident helpline and a Courtesy Car when yours is repaired at an approved garage.
RAC Car Insurance
Additional Excess
Under 21's: up to £400
Inexperienced drivers: up to £150
Types of Policy Available
Comprehensive , TPFT & Multi car
Discounts
10% Multi car & No claims
Cover for less than £154*(that’s what 10% of our customers paid). 10% Multi Car Discount on additional cars.
RAC offer car insurance via a panel of insurers.
Debenhams Car Insurance
Additional Excess
Under 21's: £250
Inexperienced drivers: £100
Types of Policy Available
Comprehensive & TPFT
Discounts
No claims
90 day European Driving Cover as standard and optional extras available to suit your individual needs - all signs point towards Debenhams Car Insurance.
AgeUK Car Insurance
Additional Excess
Under 21's: £350
Inexperienced drivers: £250
Types of Policy Available
Comprehensive
Discounts
No claims
Sainsbury's Bank Car Insurance
Additional Excess
Under 21's: up to £400
Inexperienced drivers: up to £200
Types of Policy Available
Comprehensive & TPFT
Discounts
Second car & No claims
Up to 1/3 off for new customers with a Nectar card. Min premiums apply. Free Breakdown Service for 1 yr. Premier Cover rated 5 Star by Defaqto. Underwritten by U K Insurance Ltd. 10% of customers with a Nectar card saved 1/3 between 01/08/14 - 31/01/15.
Sainsburys provide cover for drivers up to aged 80 online, if you are over 80 please call for a quote.
Bell Car Insurance
Additional Excess
Under 21's: £250
Inexperienced drivers: £150
Types of Policy Available
Comprehensive
Discounts
No claims
With a Bell telematics policy, you won't pay for other people's bad driving - safe drivers pay a fair price.
Marmalade Car Insurance
Additional Excess
Under 21's: £350
Inexperienced drivers: varies
Types of Policy Available
Comprehensive & Blackbox
Discounts
-
Young drivers can save money on their car insurance, with no curfews or restrictions. Marmalade’s clever black box policy will cover you on a full or provisional licence, so you can start earning your own no claims discount straight away.

We provide an independent comparison service free of charge but we may receive a commission from some of the companies we refer you to. These are indicated with purple buttons.

How to Get Cheap Car Insurance at 18

by DaisyLill

Car insurance is a necessary evil for all motorists and keeping costs to a minimum in return for the most comprehensive cover is a high priority for any driver.

How to Get Cheap Car Insurance at 18

However, car insurance for 18 year old drivers is particularly expensive, partly because of the lack of experience on the road and partly because statistically they are far more likely to have an accident than any other motorist.

Cheap car insurance for 18 year olds is a relative thing but it is possible to slice a large chunk off the premium if you know what insurers are looking for. We take a look at the steps you can take to shrink the cost of car insurance for female or male drivers without compromising the quality of cover.

What is the cheapest car insurance for 18 year olds?

The very crux of the matter is the cost of insurance for teenage drivers. At 18 car insurance won't be cheap especially as the maximum possible no claims discount you could have is just one year.

Although you might want to know how to find the cheapest car insurance for 18 year old drivers, unfortunately there is no single answer. There are many ways to lower the overall cost, but each 18 year old car insurance quotes depend on the individual.

We will now take a look at some options you might want to consider, all of which will lower the average car insurance for 18 year old drivers.

The cheapest way to get car insurance for 18 year olds

If you are looking for cheap car insurance 18 year old drivers may need to take some additional measures to reduce the premium.

One of the issues car insurers have with young drivers is their relative lack of experience. Taking a Pass Plus course can help negate this and offer a cheap way to get car insurance for.

Another option worth considering is telemetric car insurance; this used to be known as black box insurance. If your teen is a careful driver, this can be the best car insurance for 18 year olds. The box records the way the car is driven, the speed, the time of day or night when the most driving is done and calculates the premium based on the assessment. A very high-tech option but one which is becoming increasingly common.

Of course, the usual factors apply too: buy a car in a low insurance group, which has a small engine and is eco-friendly, don't add any modifications and take additional security measures such as adding an approved immobiliser and steering lock. Keeping the car in a garage or on a secure drive can also help to push down the cost.

If you aren't sure how much difference these various factors will make, compare insurance and look at the quotes on offer. This will help you decide whether it's worth paying for the improvements.

Why car insurance for 18 year old male drivers is cheaper than ever before

Young males have a reputation for being quoted the most expensive car insurance rates but this is no longer the case. Whilst they still remain statistically in the highest risk group of drivers, an EU Directive means that insurers can no longer discriminate based on gender.

Car insurance for 18 year old boy drivers is now equivalent to an 18 year old female driver; the law now states insurers cannot offer different rates based on gender alone.

This means that cheap car insurance for 18 year old boys is now much easier to obtain whilst the cost of car insurance 18 year old female drivers has typically gone up.