Under 21's car insurance

Compare quotes from companies that offer policies for younger drivers and could insure you if you're 21 or under.

Powered By

Get quotes from these car insurance providers and more

You'll only find results from genuine companies. Our data experts check each company before we add them to our comparisons.


Six ways under 21s can get cheap car insurance

Last updated: 2 October 2020

If you’re between 17 and 20 find out how you to save money on your car insurance.

The cost of car insurance can be expensive when you're a young driver - find out the six things you can do to keep costs down.

Car insurance for under 21s

1. Compare as many car insurances quotes as possible

To get the best deal you need to shop around and compare as many car insurance quotes as you can.

You should never choose a policy on price alone though, make sure it gives you all the protection you need too.

You may also need extras like legal cover or breakdown cover.

Find out what a car insurance policy will cover you against here.

2. Go for black box insurance

If you are looking for under 21 car insurance black box or telematics insurance may help reduce the cost of your cover.

A black box is a device that allows the car insurer to monitor driving behaviour, for example, acceleration, braking, cornering, miles covered and also what time of day you are driving.

The price of your insurance then goes down if you can prove you are a good, safe driver. However bad driving can see your premiums go up and your insurance could even be cancelled.

A black box records how you drive, and if you can prove to your insurer you are a safe driver, they will reward you with lower payments.

It is a good option for young drivers and drivers under 21 because it means the cost of your cover will be based on your driving alone, not every driver in your age group.

You can compare black box policies here.

Here is how black box car insurance works

3. Increase your excess

Most insurers let you increase the amount you have to pay when you make a claim, which can mean lower quotes.

However, most insurers set a higher policy excess if you are under 21 years old, sometimes as much as £400.

Watch out: Before you increase your excess make sure you can afford it if you need to claim. If you make a claim with a higher excess you could end up paying more overall.

How does car insurance excess work?

4. Drive the right car:

Cars with smaller engines often cost less to insure as they are found in the low car insurance groups.

5. Be a better driver

Taking an advanced driving course could reduce the cost of your car insurance. Not all insurers will give you a better deal, however.

If you have a Pass Plus qualification for example, some insurers will give you a discount. You can find out about advanced driving courses and Pass Plus on the Gov.uk website.

6. Get cheaper under 21 insurance cover by being choosy

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

You can be a named driver on another person’s insurance policy and build up a no-claims bonus.

You may be able to save money on under 21 car insurance by taking out a multi-car insurance policy.

You don’t need to own a car to get car insurance, if you are only planning on borrowing a car you can also compare quotes for short-term or temporary car insurance for under 21s.

You can also save on car insurance premiums by paying for 12 months’ insurance all at once: if you pay in monthly instalments you will have to pay interest on top of your monthly premiums.

Under 21's car insurance FAQs

Get car insurance quotes

Compare quotes to protect your car with the right cover.

Explore car insurance guides

EV

How driving an electric vehicle can save you money

Driving an electric vehicle is a great option for those looking to reduce their carbon footprint. However, it can also be a great option if you are hoping to keep your driving costs low.

Read More
Disabled driver, woman, wheelchair

Disabled drivers' car insurance rules explained

How does having a disability impact what you pay for insurance and are there any financial benefits or services available to help? We explain all

Read More
Footballers kicking ball

How your occupation effects your car insurance premium

This guide explains why your occupation counts when looking for car insurance. It also reveals the job titles insurers like and dislike.

Read More

Why compare car insurance with money.co.uk?

By comparing car insurance, UK car owners could save money on their policy. The best value car insurance will offer the cover at an affordable price. Choose a cover plan from the best UK car insurance companies and see the online discounts they offer.

Proud to be award winning

We have always aimed to provide the best possible services to bridge the gap between our users and our clients. Over the years, we have been thrilled to be recognised by various prestigious bodies and organisations for those efforts.

Car Insurance comparison is provided by Confused.com which is a trading name of Inspop.com Limited who are authorised and regulated by the Financial Conduct Authority. Registered office; Greyfriars House, Greyfriars Road, Cardiff, CF10 3AL, registered in England and Wales 03857130. Please note, we cannot be held responsible for the content of external websites and by using the links stated to access these separate websites you will be subject to the terms of use applying to those sites. By using this system you are also agreeing to our Terms and Conditions and Privacy Policy. money.co.uk is an intermediary and receives a percentage of the commission if you decide to buy through us.