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 - 33% of customers are expected to receive the maximum saving.
 
Direct Line Car Insurance
Additional ExcessTypes of Policy AvailableDiscounts
Under 21's: up to £450
21-25 years: up to £250
Comprehensive & TPFTUp to 10% Multi car & No claims
10% off when you buy online (introductory discount)
 
Allianz Car Insurance
Additional ExcessTypes of Policy AvailableDiscounts
Under 21's: up to £350
21-25 years: up to £250
Comprehensive & TPFTSecond car & up to 65% No claims
 
LV= Car Insurance
Additional ExcessTypes of Policy AvailableDiscounts
Under 21's: up to £300
21-25 years: up to £200
Comprehensive & TPFTOnline, Second car & 79.5% No claims
Car Insurance from £169. 10% of new LV= customers paid £169 or less (Feb-Apr’14).
 
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.
 
John Lewis Insurance Car Insurance
Additional ExcessTypes of Policy AvailableDiscounts
Under 21's: varies
21-25 years: varies
ComprehensiveOnline & 75% No claims
John Lewis Car Insurance is a Which? Recommended Provider June 2013.
 
Admiral Car Insurance
Additional ExcessTypes of Policy AvailableDiscounts
Under 21's: £250
21-25 years: £150
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.
 
The Co-operative Insurance Car Insurance
Additional ExcessTypes of Policy AvailableDiscounts
Under 21's: £300
21-25 years: £200
Comprehensive & BlackboxUp to 10% Online & up to 70% No claims
70% No Claim Discount for 5 or more claim free years.
 
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
 
AA Car Insurance
Additional ExcessTypes of Policy AvailableDiscounts
Under 21's: varies
21-25 years: varies
Comprehensive & Blackboxup to 78.1% No 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.
 
Tiger.co.uk Car Insurance
Additional ExcessTypes of Policy AvailableDiscounts
-variesOnline, Second car & No claims
 
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
 
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.
 
eCar Car Insurance
Additional ExcessTypes of Policy AvailableDiscounts
Under 21's: up to £250
21-25 years: up to £150
Comprehensive , TPFT & Multi carNo claims
 
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.
 
Provisional Marmalade Car Insurance
Additional ExcessTypes of Policy AvailableDiscounts
-Learner driverNo claims
Exclusively available to learner drivers.
 
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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How to Find the Best Under 25 Car Insurance

If you've passed your driving test but 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.

Car Wavinggoodbye

Young drivers are 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.

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 for under 25s, 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 under 25 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.

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