This is a list of car insurance companies that can cover under 25s.
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
21-25 years: up to £200
Types of Policy Available
Comprehensive , TPFT & Multi car
Discounts
20% Online, Multi car & No claims
5 Star Defaqto rated car insurance from £178 - 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
21-25 years: up to £250
Types of Policy Available
Comprehensive & TPFT
Discounts
Second car & No claims
Admiral Car Insurance
Additional Excess
Under 21's: £250
21-25 years: £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.
Nationwide Car Insurance
Additional Excess
Under 21's: up to £300
21-25 years: 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.
Churchill Car Insurance
Additional Excess
Under 21's: up to £400
21-25 years: 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
21-25 years: 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.
Tiger.co.uk Car Insurance
0800 781 4464
Additional Excess
-
Types of Policy Available
varies
Discounts
Online, Second car & No claims
This is a comparison website.
Marmalade Car Insurance
Additional Excess
Under 21's: £350
21-25 years: £250
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.
M&S Bank Car Insurance
Additional Excess
Under 21's: up to £400
21-25 years: up to £200
Types of Policy Available
Comprehensive & TPFT
Discounts
Second car & No claims
Choose premier cover and get EU and UK breakdown cover, motor legal protection and guaranteed replacement car included in the cost.
AXA Car Insurance
Additional Excess
Under 21's: up to £500
21-25 years: up to £200
Types of Policy Available
Comprehensive & TPFT
Discounts
Second car & No claims
One of the world’s largest insurers. Lifetime guarantee on repairs from AXA's approved network for as long as you own the car. T&Cs apply.
Swiftcover Car Insurance
Additional Excess
Under 21's: up to £400
21-25 years: up to £300
Types of Policy Available
Comprehensive & TPFT
Discounts
Second car & 63% No claims
With Swiftcover Comprehensive Insurance you get as standard: 24 hour claims line and UK based help teams.
Elephant Car Insurance
Additional Excess
Under 21's: £250
21-25 years: £150
Types of Policy Available
Comprehensive & TPFT
Discounts
Second car & No claims
Seriously good car insurance. Every comprehensive policy comes with courtesy car and stereo cover as standard.
AA Car Insurance
Additional Excess
Under 21's: varies
21-25 years: varies
Types of Policy Available
Comprehensive
Discounts
No claims
The AA offer car insurance via a panel of insurers.
Hastings Direct Car Insurance
Additional Excess
Under 21's: £295
21-25 years: £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.
Tesco Bank Car Insurance
Additional Excess
Under 21's: up to £400
21-25 years: up to £200
Types of Policy Available
Comprehensive & TPFT
Discounts
Second car & No claims
Get covered with Tesco Bank's award winning Car Insurance - voted best Direct Car Insurance Provider 2014 by Your Money and now 5 star Defaqto rated. Tesco Bank Car Insurance is underwritten by a select range of insurers.
esure Car Insurance
Additional Excess
Under 21's: varies
21-25 years: varies
Types of Policy Available
Comprehensive
Discounts
Online
Car Insurance by esure has a Defaqto 5 Star rating. 51% of customers paid £235 or less for a new policy from esure in Feb 2015.
The premium you pay will depend on individual circumstances, cover chosen & payment method selected.
Privilege Car Insurance
Additional Excess
Under 21's: up to £400
21-25 years: up to £250
Types of Policy Available
Comprehensive & TPFT
Discounts
10% Multi car & 65% No claims
10% multicar discount
Quotesearcher Car Insurance
Additional Excess
Under 21's: varies
21-25 years: varies
Types of Policy Available
-
Discounts
Second car & No claims
This is a comparison website.
RAC Car Insurance
Additional Excess
Under 21's: up to £400
21-25 years: up to £200
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: up to £250
21-25 years: up to £150
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.

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.

Car Insurance for Young Drivers Explained

How to get cheap car insurance for young drivers.

This is because under 25s fall into a 'high risk' category which predicts (based on previous drivers in this age group) they are more likely to make expensive claims on their insurance than any other age group.

In general, the annual premium for young car insurance will reduce each year you are insured to drive, especially if you begin to build up a no claims discount.

However, many young drivers car insurance policies will be expensive, especially for their first few years driving.

Here are several ways that the cost of young driver car insurance can be reduced, so you can find car insurance young drivers can afford:

Get extra experience

By completing Pass Plus, a novice driver will improve their skills with experience of motorway, city and reduced visibility driving.

Consequently drivers are considered to be at reduced risk of having an accident and could be eligible for a discount on their insurance premium.

If you're looking for the cheapest young driver car insurance policy, making sure you complete a Pass Plus assessment could make a big difference to the cost.

Levels of cover

There are three bands of cover available to drivers through most insurance providers.

The cheapest car insurance for young drivers is often 3rd party fire & theft, or simply 3rd party cover.

This type of car insurance for young people will provide you with only a basic level of insurance and so are usually cheaper than fully comprehensive insurance policies. Third party insurance will only cover other people's costs, should you make a claim.

Third party fire & theft adds minimum protection for your own car to this, but doesn't give you any cover for damage sustained in road traffic collisions.

If your car isn't worth very much, these types of policy can often be suitable for young drivers car insurance as the money tied up in your car itself (which they don't cover) isn't a large amount.

However, if your car is relatively high in value, a comprehensive insurance policy with its extra financial protection - which could prove invaluable should you need to claim - might prove to be the best car insurance for young drivers.

You can read more about these types of cover in our guide: Third Party, Third Party Fire & Theft and Fully Comprehensive Insurance.

Named drivers

By adding a parent or older sibling as an additional driver on a young drivers insurance, it may be possible to obtain a small discount in your premium, regardless of whether you're looking for car insurance for young female drivers or car insurance for young male drivers.

However, it is important to avoid having a parent as the first named driver on a car owned and used by a young driver as this is known as "fronting" and will invalidate an insurance policy if a claim is made.

If the vehicle is another family member's main car, it can be cheaper to add a young person as a named driver on their policy.

Bear in mind that this will usually prevent the young driver from building up their own no claims bonus, and they'll likely be faced with high premiums on their first solo insurance policy.

Type of car

The type of car chosen by a young driver will also impact the premium; cars with larger engines or modifications are much more expensive to insure than those with smaller engines which are more likely to be suitable for a novice driver.

Choosing a car that is cheap to insure is a must if you want cheap car insurance young drivers will be able to afford to pay for.

Additionally, one-off purchases such as immobilisers and car alarms can reduce your premium and should continue to do so throughout their lifespan.

Young persons car insurance

There are several insurers which specialise in providing insurance to young and novice drivers. By specialising in this area insurers can make certain concessions and tailor their policies in order to offer the best car insurance for young drivers.

While finding cheap young drivers car insurance can be a thankless task, by getting quotes with several insurers it should be possible to find a suitable level of cover at a reasonable price. It is vital to compare young driver car insurance to make sure you get the best car insurance for your circumstances.

Featured guide

How to get cheaper car insurance

Everything you need to know about making your car insurance premium more affordable.

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