Compare Car Insurance for Young Drivers

Find cheap car insurance for young drivers in minutes when you use our young drivers car insurance comparison to compare quotes from the best young persons car insurance providers in the UK. We make it easy to find the cheapest car insurance for young drivers quotes from the best car insurers in minutes so you can afford to drive.
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 Additional Excess for DriversCover TypeDiscount 
<21Aged 21 - 24OnlineMax No Claims
Direct Line
Car Insurance
up to
£450
up to
£250
varies0%varies
Up to 28% off if you quote early and buy online. (20% off when you get a quote ten days or more before your policy start date (offer ends 31.3.14) and 10% online. Introductory discounts applied consecutively. Minimum premiums apply.)
Churchill
Car Insurance
up to
£400
up to
£250
varies10%80%
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.
The Co-operative Insurance
 
Car Insurance
£300£200Comprehensive
up to
10%
up to
70%
70% No Claim Discount for 5 or more claim free years.
Provisional Marmalade
 
Car Insurance
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---
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0%varies
Exclusively available to learner drivers.
Aviva
Car Insurance
up to
£300
up to
£200
varies20%varies
5 Star car insurance from £192 - 10% paid this for standard cover. Up to 1/3 off with Aviva MultiCar when you add a second car or van - they expect 20% of customers to get 1/3 off.
Gocompare.com
Car Insurance
---
---
variesvariesvaries
Compare 125+ Insurance Brands Here. 1 in 2 Could Save £231 in Minutes.
MORE TH>N
Car Insurance
up to
£400
up to
£250
varies0%varies
You could pay as little as £163 for Car Insurance (online only). Based on 10% of on-line customes, excludes optional extras. MORE TH>N data Oct - Dec 2013.
Admiral
Car Insurance
£250£150varies
up to
10%
varies
Save up to 10% by quoting online! Plus, many other benefits as standard.
John Lewis Insurance
 
Car Insurance
variesvariesComprehensive15%75%
John Lewis Car Insurance is a Which? Recommended Provider June 2013.
Nationwide
Car Insurance
up to
£300
up to
£200
variesvaries75%
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.
M&S Bank
Car Insurance
up to
£400
up to
£200
varies
up to
15%
varies
Hastings Direct
Car Insurance
£295£195varies0%
up to
65%
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
up to
£400
up to
£250
varies0%65%
10% multicar discount
Post Office
Car Insurance
up to
£400
up to
£200
varies0%varies
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.
Tiger.co.uk
Car Insurance
---
---
variesvariesvaries
Tel 0800 781 4464 0800 781 4464
Elephant
Car Insurance
£250
up to
£250
varies10%varies
Seriously good car insurance. Every comprehensive policy comes with courtesy car and stereo cover as standard.
eCar
Car Insurance
up to
£250
up to
£150
varies0%varies
Allianz
Car Insurance
up to
£350
up to
£250
varies
up to
0%
up to
65%
RAC
Car Insurance
up to
£400
up to
£200
varies0%varies
Cover for less than £150*(that\'s what 10% of our customers paid)
Sainsbury's Bank
 
Car Insurance
up to
£400
up to
£250
varies0%varies
Free Sainsbury's Breakdown Service cover when you obtain a new Sainsbury's car insurance quote between 17th February - 28th July 2014 and subsequently purchase.
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Car Insurance for Young Drivers Explained

How to get cheap car insurance for young drivers.

Car Crash

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.

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