Can you get car insurance for young drivers?

Yes, It is a car insurance policy that covers drivers between 17 and 25. It is no different from a standard car insurance policy, and can offer the same levels of cover.

Read this guide for everything you need to know about how a car insurance policy works.

Why are young drivers charged more?

Insurers charge young drivers higher premiums because they are a bigger risk.

Statistics show that younger drivers are more likely to be involved in car accidents and make expensive insurance claims:

  • Drivers aged between 17 and 19 make up 1.5% of licence holders in the UK, but are involved in 12% of all serious and fatal crashes.

  • 23% of 18 to 24 year olds have a crash within the first two years of passing their test.

  • Drivers aged 16-19 are more than twice as likely to die in a crash than drivers aged 40-49.

Statistics from Brake the road safety charity

If you are 17 or 18 years old you could face a car insurance bill of thousands of pounds each year.

Even when you reach 20 years old you could still be paying in excess of 1,000 for your cover. However, there are things you can do to get you costs down.

How to cut the cost of your insurance

  • Drive a small car: Cars will small engines are the cheapest to insure. Look for a car in the lowest car insurance groups because these cost the least to cover.

  • Get a black box policy: A telematics box will measure your driving and can earn you a discount if you drive sensibly. Everything think you need to know can be found in our black box insurance guide.

  • Get Pass Plus qualification: This will prove to insurers that you are a safer driver, and some will offer you cheaper cover as a result. Find out how on the GOV.UK website.

  • Become a named driver: If a policy in your name is too expensive see if you can be added to someone else's policy as a named driver. There are several things to consider before you opt for this, so read this guide carefully first.

  • Join a family policy: If you still live at home you could get a multi car policy with any family members that also drive. This can spread the cost across all the vehicles and offers a discount, find out more in our multi car insurance guide.

You can also try these 10 easy ways to cut the cost of your car insurance costs.

Building up a no claims bonus is one of the best ways to ensure your cover is as low as it can be so make sure you drive sensibly and avoid claiming where possible.

How to find insurance for young drivers

The best way to find a good deal on your car insurance as a young driver is to shop around and compare quotes.

Not all insurers cover young drivers because of the increased risk, so use our young driver car insurance comparison which only shows companies that offer cover to drivers under 25 years old.

If you are younger, try our under 21's car insurance or car insurance for 17 year olds comparisons.

If you are looking for your first ever car insurance policy, our new drivers' insurance guide could help you find the best possible cover.