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.
LV= Car Insurance
Additional Excess
Under 21's: up to £300
21-25 years: up to £200
Types of Policy Available
Comprehensive & TPFT
Discounts
Second car & up to 75% No claims
Using the free LV= Driving app new customers could save up to 15%. Record 200 miles over 10 or more journeys to see how much you could save.
Nationwide Car Insurance
Additional Excess
Under 21's: up to £300
21-25 years: up to £200
Types of Policy Available
Comprehensive & TPFT
Discounts
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.
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.
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.
The Co-operative Insurance Car Insurance
Additional Excess
Under 21's: £300
21-25 years: £200
Types of Policy Available
Comprehensive & Blackbox
Discounts
up to 70% No claims
Free Karcher K2 Compact Pressure Washer worth £79.99 when you take out a new car policy from Co-operative Insurance. T's & C's Apply.
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.
Diamond Car Insurance
Additional Excess
Under 21's: £250
21-25 years: £150
Types of Policy Available
Comprehensive & TPFT
Discounts
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.

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 find the best under 25 car insurance

If you've passed your driving test but it's not yet your 25th birthday, car insurance could be costly. Despite this, there are ways you can drive down the price - here's how to get the best under 25 car insurance.

Young drivers are statistically more likely to be involved in accidents, meaning car insurance for under 25 year olds is often going to be more expensive than it is for older motorists.

However, many insurers see 25 as the cut-off point for still classifying drivers as young and/or inexperienced.

The closer you get to 25 years old, the more wiggle room you'll find to match the policy you want with a cheap quote.

This is particularly the case if you are willing to follow some simple steps and stick to a reasonably sized and powered car.

Here's how you can get the best car insurance deal in the years up to your 25th birthday.

Lowering the price of car insurance for under 25 year olds

The more qualified a driver you are, the more willing companies could be to offer discounted premiums. This is why it might be worth completing Pass Plus, a training course designed to help drivers enhance their driving skills. If you do get the qualification , you may see that insurance companies become more willing to give you a cheaper quote as you will be more experienced on the road.

The car you're driving could also have a bigger impact than you might think on how much insurance costs. You are more likely to be offered cheap car insurance for under 25 years of age if you have a vehicle with a smaller engine and no modifications, rather than a customised monster sporting a V12 engine.

On the other hand, even more important than gaining extra qualifications and owning a car companies are happy to cover is driving carefully.

Keeping a clean licence and avoiding picking up points can help you prove that you are a good driver and there's less risk in insuring you, meaning in time your premiums should fall - more so if you're named driver on your past insurance policies, rather than a parent; building up a no claims bonus can put a big dent in next year's price.

Our guides 8 cost cutting ideas for cheaper young drivers' car insurance and Car insurance for young drivers explained can offer more tips on how to chip away at your insurance premiums.

Cheap car insurance for under 25 comparison

To find the best cheap car insurance for under 25 year olds, there are a number of things that you'll need to look at.

The type of policy

Standard car insurance comes in the form of comprehensive cover. This means most policy providers will cover you for a wide range of claims, like accidental damage to your vehicle and loss, theft or fire, as well as offering use of a courtesy car and covering belongings (to a certain amount; match your needs with the cover levels on offer).

While key aspects of insurers' policies are likely to be similar there can be differences in what's included, even for comprehensive cover. This is why it's crucial to compare cheap car insurance for under 25 year old motorists and check what's included, rather than assuming similarity.

Most companies will also offer a more basic third party, fire and theft (TPFT) deal. This should include the most important parts of the comprehensive policy, like damage you cause to another car, theft and fire damage, but could leave off medical expenses, courtesy car use, vandalism, accidental damage and more. As you're covered for fewer things, TPFT should cost less than standard cover.

Even though these are more basic than comprehensive car insurance, you'll still have a range of discounts and policy options to navigate. This includes finding the best no claims discount based on your past driving (if you've managed to build one up) and extras such as courtesy cars / windscreen cover.

Comprehensive and TPFT car insurance are most common, but some providers offer third party or multi car deals too. Third party is even more basic than TPFT, covering the essentials of car insurance, but this does at least mean it's likely to be cheaper still.

Multi car insurance means you can insure more than one car on the same policy, potentially saving money on having two separate deals. As more than one vehicle is included it's worth checking the T&Cs thoroughly to make sure each is suitably covered - but these policies should allow you to save some cash.

Additional excess

When comparing cheap car insurance UK under 25 deals you will need to pay close attention to additional excess amounts.

With the increased risk of younger drivers, insurers often stick additional excess on top of the standard excess. If you make a claim after an accident not only will you have to pay out the standard amount before your policy provider offers any - you'll have to pay extra as well.

This varies from company to company, so could well have a big say on how much you pay out in the event of an accident. You'll need to weigh up the affordability of each policy's premiums and the affordability of actually making a claim.

Black box specialty insurance

For new drivers and, particularly, younger motorists, black box or smart box policies offer you the potential to lower the cost of your cover by measuring how you drive.

Specifically, companies can look at where, when and how you use your motor, and this information forms the basis of your premiums, rather than simply your age and lack of experience.

If you follow the conditions laid out by your insurer - and drive safely - you can potentially cut down the amount you have to pay; particularly by limiting when you drive, i.e. not after 11pm, and how quickly you accelerate / hard you brake.

There is an element of risk involved, as if you are deemed unsafe then this type of cover could end up being more expensive than standard insurance. You can find out more by reading How to find a cheap black box insurance quote.

However, if you do believe you're a safe driver and are looking for the cheapest car insurance for under 25 year olds then getting a black box may be the solution to cutting the cost of your insurance quote.

So, to get under 25 car insurance that doesn't break the bank, think about taking extra qualifications, getting a modest motor and what kind of policy and excess you want.

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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