Under 25 car insurance

Car insurance for under-25s

Car insurance is a legal requirement to drive on UK roads, but since young drivers are deemed riskier by insurers it can prove expensive. Comparing policies is the best way to find the best deal for you – enter your registration number above to get started.

Can I get cheap car insurance if I am under 25?

Because of the risks insurers associate with your age, you’ll probably be charged more for cover than older or more experienced drivers. 

However, it’s possible to get cheaper car insurance as a younger driver by opting for the correct policy and driving the right car.

Go comprehensive

Some insurers recognise that high-risk drivers choose lower levels of cover to try to save money and adjust their premiums accordingly.

This has led to insurers increasing premiums for third-party cover, to the point that comprehensive cover is often cheaper even though it provides greater levels of protection.

Here’s everything you need to know about the different levels of car insurance cover

Pick the right car

The price of your insurance quote is based on the car your drive. Insurance companies consider cars with small engines and standard trim safer to drive and cheaper to repair.

Every car is put in one of 50 car insurance groups, based on how much they cost to cover. 

Group one cars are the cheapest to insure. These include: 

Group 50 cars are the most expensive to insure. These include: 

The smaller and less powerful your car is, the cheaper your insurance will be.

Find out how car insurance groups work

More ways to save on car insurance if you’re under 25

Increase the excess on your policy

Agreeing to pay a higher excess means you pay a cheaper monthly premium. Make sure you can afford the excess level you choose because you can’t pay the excess, any claim is likely to be rejected. 

Discover how car insurance excess works

Shop around

Compare as many quotes as you can. You should always shop around for car insurance, as certain insurers may assess your home location, car or personal circumstances differently to others. 

Be a named driver

If you can’t find affordable insurance, try being added as a named driver on someone else's policy. You’ll need the policyholder’s permission to do this.

This isn’t always a suitable option, because the policyholder must be the main driver of the vehicle. For example, if your parent insures your vehicle but doesn’t drive it, your insurer may count this as fraud. 

Adding you as a named driver could also mean the policyholder’s insurance premiums go up, and their no-claims bonus could be at risk.

Add a black box

Black box insurance measures your style of driving through a device attached to your car. If you drive safely, your insurer may be willing to offer you a better deal.

Build up a no-claims bonus

Staying claim-free earns you a no-claims discount on your premiums, which rises over time. Some policies even let you grow this discount more quickly – you may be able to earn a year's bonus after nine months.

Pick different cover

A standard insurance policy may not be the best fit. 

If you’ve not passed your driving test, look for specialist learner driver insurance. 

If you think you’ll need cover for the long term, get an annual young drivers policy.

 Save more money with our top 10 tips to cut your car insurance costs