Compare Under 25 Car Insurance

Compare cheap under 25 car insurance quotes from the best car insurance under 25 insurers at a glance & get the cheapest car insurance for under 25 year olds possible. Our UK cheap car insurance for under 25s comparison takes the hassle out of comparing cheap under 25 car insurance quotes so you get the under 25 cover you need.
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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.)
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
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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.
LV=
Car Insurance
up to
£300
up to
£200
variesvaries79.5%
Car Insurance from £170, 10% of new LV= customers paid £170 or less (Nov 13-Jan 14)
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.
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.
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
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.
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
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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
Provisional Marmalade
 
Car Insurance
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0%varies
Exclusively available to learner drivers.
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)
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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.

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.

Car Insurance Comparison

Alternative Car Insurance Policies

You may want to compare the above car insurance policies with the following.

Peugeot Motor Insurance (Comprehensive)

  • £1,000 non manufacturer sat nav protection is available.
  • New customers take advantage of £9.54 duplicate documents fee from Peugeot.
  • You get not applied uninsured driver XS from this Motor Insurance (Comprehensive).
  • Maximum foreign trip duration of 90 days is available to customers.

M&S Bank Premier Car Insurance (Third Party, Fire & Theft)

  • The car insurance policy gives 3 years repair guarantee period.
  • 2 in 3 yrs [attribute name] available..
  • 28 total loss car period is offered with Premier Car Insurance (Third Party, Fire & Theft).
  • 90 days maximum foreign trip duration is offered with the car insurance policy.

Chaucer Direct Car Insurance (Third Party, Fire & Theft)

  • £0 setup fee is available to you.
  • This car insurance policy offers a £500 non manufacturer sat nav cover.
  • Maximum european cover included as standard of 90 days is available with the car insurance policy.
  • Customers can get 3 days max foreign trip duration.
  • £20,000,000 third party property is available.
  • £0 extra excess for drivers aged 21 - 24 is available.

igo4 Car Insurance (Third Party, Fire & Theft)

  • Get accidental disability cover of £0.
  • Varies fire excess is available with this car insurance policy.
  • Cost rescue cover.
  • Customers will get repairer rescue benefit basis.
  • You get RAC breakdown provider from igo4.

Home & Legacy Ultra Motor Insurance (Comprehensive)

  • The car insurance policy offers an europ assistance breakdown provider.
  • This car insurance policy has 74 years maximum age for personal accident cover.
  • The Home & Legacy Ultra Motor Insurance (Comprehensive) has an unlimited non-manufacturer audio insurance.
  • Limitless manufacturer sat nav benefit is offered.

Virgin Car Insurance (Third Party, Fire & Theft)

  • This car insurance policy has £0 inexprienced driver excess.
  • New customers will benefit from unlimited manufacturer audio benefit.
  • RAC recovery provider is available with Car Insurance (Third Party, Fire & Theft).
  • £20,000 accidental disability cover is available.
  • Fire XS of £150 is offered to customers.
  • Maximum foreign trip duration of 93 days is available with the car insurance policy.