Car insurance for drivers in their teens or early twenties will never be cheap, but there are things you can do to keep the cost down.

How to get the cheapest young driver cover

  • Get a small and safe car, because one in a low car insurance group will cost less to insure

  • Try black box insurance that measures your driving and can offer lower costs; here is how it works

  • Take extra qualifications like Pass Plus, and some insurers will give you a discount

Read this guide for more ways to get affordable cover as a young driver.

Comprehensive cover could be cheaper

When looking for the best quotes do not assume a lower level of cover like third party, fire and theft will be cheaper than a comprehensive policy.

Insurers sometimes offer lower quotes for comprehensive policies because they know high risk drivers choose lower levels of cover.

Not only could it be cheaper, but comprehensive car insurance gives you much more protection. This guide compares the different levels of car insurance cover.

Check the excess

Most insurance companies will set an additional excess that young drivers will have to pay in the event of a claim, for example:

  • Drivers under 21 years old: up to £400 compulsory excess

  • Drivers under 25 years old: up to £250 compulsory excess

You may also have the option of increasing the excess by adding a voluntary amount, which can lower your insurance quotes. However, always make sure the excess you set is an amount you can afford if you need to claim.