If you are 18 years old, insurers will think that you are one of the riskiest drivers on the road. This is because:

  • Statistics show you are more likely to have an accident and make a claim

  • You will have little or no previous driving experience

This why insurers will charge you a lot more than older, more experienced drivers. However there are some things you can do you keep the cost as low as possible.

Shop around for the best deal

The cost of car insurance can vary massively between different insurers, especially when you are 18 years old. This is because some companies do not want risky drivers on their books, so will try to put you off by charging much higher premiums.

This is why you should shop around and get as many quotes as possible to find the best deal. Use the table above to find quotes for insurers that can cover 18 year olds.

More ways to cut the cost

Car insurance for 18 year olds can cost over 1,000, so it is worth doing everything you can to keep the cost down:

  • Black box insurance: This type of policy will monitor your driving and can offer lower premiums if you drive safely; this guide explains how it works.

  • Further qualifications: Taking more tests like Pass Plus could earn you a discount from some insurers because it shows them you are a safe driver.

  • Drive a sensible car: A safe car with a small engine will cost less to cover. Look for a vehicle in a low car insurance group because these cost the least to insure.

  • Go fully comprehensive: This offers the best protection and can sometimes offer the cheapest quotes too. Find out more about the levels of car insurance here.

This guide has more tips on finding the right car insurance as a young driver.

Ignore the excess at your peril

If you make a claim you will need to pay an excess amount towards the cost, and insurers often set an additional excess for young drivers.

For example, if you are under 21 years old you some insurers will set an excess of up to 400.

You may also have the option of increasing the excess by adding a voluntary amount, which can lower your insurance quotes. However, make sure you can afford the excess you set if you need to claim.

Car insurance for 18 year olds FAQs


Why is car insurance for 18 year olds more expensive?


Drivers aged 18 are more likely to be involved in accidents and make insurance claims, so car insurers charge them more.


Can I drive without insurance?


No, it is a legal requirement to have at least third party car insurance cover to drive in the UK.


Do I need insurance as a learner?


Yes, you must be insured if learning in your car or someone else's. Find out how to get learner driver's cover here.


What does car insurance cover?


It can cover damage to your and another driver's car after an accident. It can also cover theft, vandalism, fire and more.


What is car insurance excess?


It is the amount you have to pay towards any claim you make. Find out how car insurance excess works here.


Can I take out car insurance for someone else?


No, this is known as fronting and is illegal. The main driver must be the person who drives most, but you can add a named driver to your policy.