If you are under 25 you could save money by comparing car insurance quotes to find the best deal.

Insurance prices can vary massively between companies, especially when you are under 25 so use the table above to find as many quotes as possible.

You will probably be charged more for cover than older drivers, but there are plenty of other things you can do to keep the cost down:

Go comprehensive

Not only does it give you the best protection, but comprehensive cover could be cheaper than lower levels like third party, fire and theft too.

This is because some insurers recognise that high risk drivers choose lower levels of cover to try to save money.

Pick the right car

If you want the lowest car insurance quotes you need to drive a sensible car. Cars with small engines are the cheapest to insure because they are considered safer to drive by insurers.

Every car is put in one of 50 car insurance groups, based on how much they cost to cover:

  • Group 1 cars are the cheapest to insure, and include: Vauxhall Corsa Hatchback 1.0ltr

  • Group 50 cars are the most expensive to insure, and include: Range Rover Sport 5.0ltr V8

Here is more on how car insurance groups work, and you can find out which cars are in what group on the Parkers website.

More ways to save

  • Black box insurance measures your driving and can be cheaper if you drive safely

  • Build up your no claims bonus by driving sensibly and not making a claim. Some policies even let you earn a discount quicker, for example getting a year's bonus in nine months.

  • Increase the excess to reduce your quotes, but be aware that insurers sometimes set a higher excess for drivers under 25, as shown in the table above. Make sure you can afford the amount you set in the event of a claim before you do this.

Use these 10 ways to cut your car insurance costs for even more ways to save.

Young driver car insurance FAQs

Q

Why is young drivers' car insurance more expensive?

A

Young drivers are more likely to be involved in accidents and make insurance claims, so car insurers charge them more.

Q

Does car insurance get cheaper when I turn 25?

A

No, but your car insurance can become cheaper as you get more experience. However, there are many factors that determine the cost of car insurance.

Q

Can I drive without insurance?

A

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

Q

Is it cheaper to pay annually or monthly?

A

Paying annually in one go will usually work out cheaper because if you pay monthly you will be charged interest of up to 30%.

Q

Do I need insurance as a learner?

A

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

Q

What is a black box?

A

It is a small box about the size of a smartphone installed in your car that tracks your driving. Here is how a black box policy works.

Q

What is car insurance excess?

A

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

Q

Can I take out car insurance for someone else?

A

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.