Aviva Car Insurance
Additional ExcessTypes of Policy AvailableDiscounts
Under 21's: up to £300
Comprehensive , TPFT & Multi car20% Online, Multi car & No claims
5 Star car insurance from £191 – 10% paid this for standard cover. You could save up to 20% online - 54% of customers are expected to receive the maximum saving. T&Cs apply. Aviva car insurance is not on price comparison sites.
Direct Line Car Insurance
Additional ExcessTypes of Policy AvailableDiscounts
Under 21's: up to £450
Inexperienced drivers: up to £200
Comprehensive & TPFTSecond car & No claims
MORE TH>N Car Insurance
Additional ExcessTypes of Policy AvailableDiscounts
Under 21's: up to £400
Inexperienced drivers: varies
Comprehensive & TPFTMirror bonus on second car & No claims
You could pay as little as £158 for Car Insurance (online only). Based on 10% of new online customers, excludes optional extras. More> data Nov 2013 – May 2014.
Admiral Car Insurance
Additional ExcessTypes of Policy AvailableDiscounts
Under 21's: up to £350
Inexperienced drivers: up to £250
Comprehensive , TPFT, Multi car & BlackboxUp to 10% Online, Multi car & No claims
Save up to 10% by quoting online! Plus, many other benefits as standard.
M&S Bank Car Insurance
Additional ExcessTypes of Policy AvailableDiscounts
Under 21's: up to £400
Inexperienced drivers: up to £150
Comprehensive & TPFTSecond car & No claims
Churchill Car Insurance
Additional ExcessTypes of Policy AvailableDiscounts
Under 21's: up to £400
Inexperienced drivers: up to £250
Comprehensive & TPFT10% 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.
Tiger.co.uk Car Insurance
0800 781 4464
Additional ExcessTypes of Policy AvailableDiscounts
-variesOnline, Second car & No claims
John Lewis Insurance Car Insurance
Additional ExcessTypes of Policy AvailableDiscounts
Under 21's: varies
Inexperienced drivers: varies
Comprehensive15% Online & 75% No claims
John Lewis Car Insurance is a Which? Recommended Provider June 2013.
LV= Car Insurance
Additional ExcessTypes of Policy AvailableDiscounts
Under 21's: up to £300
Inexperienced drivers: up to £200
Comprehensive & TPFTOnline, Second car & 79.5% No claims
Cover starts from just £169 - 10% of new customers with 75% NCD paid £169 or less (Jun-Aug'14).
AA Car Insurance
Additional ExcessTypes of Policy AvailableDiscounts
Under 21's: varies
Inexperienced drivers: varies
ComprehensiveNo claims
For the third year running, AA Car Insurance has been awarded a 5 star rating from Defaqto. Uninsured Driver Promise – you won't pay an excess or lose your NCD if your car is hit by an uninsured driver, and the accident is not your fault. T&C's apply.
Post Office Car Insurance
Additional ExcessTypes of Policy AvailableDiscounts
Under 21's: up to £400
Inexperienced drivers: up to £150
Comprehensive & TPFTSecond car & No claims
Over 50? At Post Office we've got great deals on Car Insurance. We'll guarantee to save you at least £50 on any like for like quote on your car insurance renewal plus free Keycare for life of the policy.
Sainsbury's Bank Car Insurance
Additional ExcessTypes of Policy AvailableDiscounts
Under 21's: up to £400
Inexperienced drivers: up to £200
Comprehensive & TPFTSecond car & No claims
Free Sainsbury’s Breakdown Service for 1 year and £30 to spend instore. Plus 25% off for Sainsbury's shoppers with a Nectar card. Introductory offer. Minimum premiums apply. £30 voucher offer ends 29/12/14. 6 x £5 vouchers issued over a 6 month period.
The Co-operative Insurance Car Insurance
Additional ExcessTypes of Policy AvailableDiscounts
Under 21's: £300
Inexperienced drivers: £150
Comprehensive & Blackboxup to 70% No claims
70% No Claim Discount for 5 or more claim free years.
eCar Car Insurance
Additional ExcessTypes of Policy AvailableDiscounts
Under 21's: up to £250
Inexperienced drivers: up to £100
Comprehensive & TPFTNo claims
15% of customers paid less than £265 for their car insurance! (Mar-May 2014).
Hastings Direct Car Insurance
Additional ExcessTypes of Policy AvailableDiscounts
Under 21's: £295
Inexperienced drivers: £195
Comprehensive , TPFT & Blackboxup to 65% No claims
We'll compare prices so you don't have to, searching our panel of leading UK car insurers to get you our very best price.
Privilege Car Insurance
Additional ExcessTypes of Policy AvailableDiscounts
Under 21's: up to £400
Inexperienced drivers: up to £200
Comprehensive & TPFT10% Multi car & 65% No claims
10% multicar discount
Elephant Car Insurance
Additional ExcessTypes of Policy AvailableDiscounts
Under 21's: £250
Inexperienced drivers: up to £150
Comprehensive & TPFTSecond car & No claims
Seriously good car insurance. Every comprehensive policy comes with courtesy car and stereo cover as standard.
Marmalade Car Insurance
Additional ExcessTypes of Policy AvailableDiscounts
-Learner driverNo claims
Exclusively available to learner drivers.
Diamond Car Insurance
Additional ExcessTypes of Policy AvailableDiscounts
Under 21's: £250
Inexperienced drivers: up to £150
Comprehensive & TPFT10% Online, 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.
Nationwide Car Insurance
Additional ExcessTypes of Policy AvailableDiscounts
Under 21's: up to £300
Inexperienced drivers: up to £200
Comprehensive & TPFTOnline, Second car & 75% No claims
Courtesy car and cover for up to 180 days in EU countries (excludes 3rd party only policies). Up to 75% no claim discount for 5+ years claim free.

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 the Cheapest Car Insurance for Teenagers

by DaisyLill

Learning how to drive is an exciting time and if you are a teenager, the prospect of getting your own set of wheels can often be the biggest step to having your own independence.

How to Get the Cheapest Car Insurance for Teenagers

Unfortunately, along with the excitement comes the financial burden of having to find teen car insurance, a product which can be excruciatingly expensive.

The bad news is that when it comes to car insurance teens are seen as a high risk and it's never going to be a cheap endeavour. The good news is that it is possible to find affordable car insurance for teenagers if you know how to go about it.

We run through some of the top teenage car insurance tips and look at how you can find the cheapest way to insure a teenage driver.

How NOT to get cheap car insurance for teenagers

Before we take a look at some of the ways in which you can find cheap car insurance for teens, it's worth pausing for a moment to highlight a practice which is highly illegal and could end up with your teen being convicted for driving without insurance.

In order to find lower car insurance for teenagers, some parents may volunteer to be named on the policy too. This is fine providing they are listed as an additional driver and in some cases it may well mean you can get the best car insurance for teenagers at a reduced price.

However, if the teen is the main driver they must be listed as such on the policy. Having the insurance taken out by a parent or other person and simply listing the teenager as an additional driver – when in fact they are the main driver – is an illegal practice known as fronting.

In the past, fronting was frequently adopted in order to get the cheapest car insurance for teens because not everyone was aware it is illegal. Not only will the insurance be made void but the teenage driver could end up with a conviction for driving without insurance which, quite apart from anything else, will make it difficult and unbelievably expensive when they try to take out a new policy in their own name.

When looking for car insurance for teenagers divorced parents may not realise the other one is taking out the cover. Having a car insured twice is another illegal practice which could land you in hot water with insurers so it's imperative you check with your ex-partner before setting up a policy.

How to carry out a teenage car insurance comparison

Before you start to compare car insurance for teenagers prices it's worth considering what steps you can take to reduce the cost.

The best car insurance companies for teenagers are not looking to hike up the cost for no reason; they are reflecting the risk that the young driver presents on the road. Statistically, a fifth of drivers will be involved in a crash during their first year on the road.

However, if you encourage your teen driver to take some extra lessons to counteract their relative lack of experience you may find that the best car insurer for teenagers takes this into account and slices a chunk off the cost. The Pass Plus course is an advanced driving set of lessons which many insurers are willing to take into account.

Finding a car in a low insurance group, preferably without modifications, with a small engine size and installing safety devices such as steering locks and an approved immobiliser will also help to keep the costs down.

Not all companies are willing to give discounts, but the best insurance teens providers treat the driver as an individual not a statistic. Other things you might want to suggest in order to cut costs include a limited mileage or only driving at certain times of the day. Again, not all insurers are willing to discount for this – but some will so it's always worth shopping around.

New gender rules for insurance

One final word on car insurance for teenage girls: it is more expensive that it used to be.

This is because of the EU Gender Directive which became law in the UK on 21 December 2012. This directive makes it illegal for insurers to offer different rates based on gender. Statistically, girls have a lower accident risk than male drivers so until this law was brought in, insurance was cheaper for females of any age, but particularly younger drivers.

This is now no longer the case and insurers charge the same premium for both males and females.