Aviva Car Insurance
Additional ExcessTypes of Policy AvailableDiscounts
Under 21's: up to £300
21-25 years: up to £200
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
21-25 years: up to £250
Comprehensive & TPFTSecond car & No claims
Enjoy six streaming movies on Amazon Instant Video with Direct Line Insurance Car, Home & Pet! Can your Insurance do that?
MORE TH>N Car Insurance
Additional ExcessTypes of Policy AvailableDiscounts
Under 21's: up to £400
21-25 years: up to £250
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
21-25 years: 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.
John Lewis Insurance Car Insurance
Additional ExcessTypes of Policy AvailableDiscounts
Under 21's: varies
21-25 years: varies
Comprehensive15% Online & 75% No claims
John Lewis Car Insurance is a Which? Recommended Provider June 2013.
Tiger.co.uk Car Insurance
0800 781 4464
Additional ExcessTypes of Policy AvailableDiscounts
-variesOnline, Second car & No claims
Churchill Car Insurance
Additional ExcessTypes of Policy AvailableDiscounts
Under 21's: up to £400
21-25 years: 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.
M&S Bank Car Insurance
Additional ExcessTypes of Policy AvailableDiscounts
Under 21's: up to £400
21-25 years: up to £200
Comprehensive & TPFTSecond car & No claims
Elephant Car Insurance
Additional ExcessTypes of Policy AvailableDiscounts
Under 21's: £250
21-25 years: £150
Comprehensive & TPFTSecond car & No claims
Seriously good car insurance. Every comprehensive policy comes with courtesy car and stereo cover as standard.
AA Car Insurance
Additional ExcessTypes of Policy AvailableDiscounts
Under 21's: varies
21-25 years: varies
Comprehensive & BlackboxNo 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
21-25 years: up to £200
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.
The Co-operative Insurance Car Insurance
Additional ExcessTypes of Policy AvailableDiscounts
Under 21's: £300
21-25 years: £200
Comprehensive & Blackboxup to 70% No claims
70% No Claim Discount for 5 or more claim free years.
Hastings Direct Car Insurance
Additional ExcessTypes of Policy AvailableDiscounts
Under 21's: £295
21-25 years: £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
21-25 years: up to £250
Comprehensive & TPFT10% Multi car & 65% No claims
10% multicar discount
eCar Car Insurance
Additional ExcessTypes of Policy AvailableDiscounts
Under 21's: up to £250
21-25 years: up to £150
Comprehensive & TPFTNo claims
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
21-25 years: £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.
esure Car Insurance
Additional ExcessTypes of Policy AvailableDiscounts
Under 21's: varies
21-25 years: varies
ComprehensiveOnline
esure has been offering MARVELLOUS car insurance for over 10 years. Why not get a quote today to take advantage of our OUTSTANDING car insurance?
Nationwide Car Insurance
Additional ExcessTypes of Policy AvailableDiscounts
Under 21's: up to £300
21-25 years: 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.
RAC Car Insurance
Additional ExcessTypes of Policy AvailableDiscounts
Under 21's: up to £400
21-25 years: up to £200
Comprehensive & TPFTNo claims
Cover for less than £145*(that’s what 10% of our customers paid)

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Car Insurance for Young Drivers Explained

by Hannah from money.co.uk

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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