Compare cheap young driver insurance quotes
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Young drivers can often expect to pay more for their car insurance than older, more experienced drivers because statistically, they are a higher risk for insurance providers. However, by exploring options like named driver or black box insurance, pay-as-you-go coverage, student or learner driver insurance, young drivers can also lower costs, and find more affordable premiums that suit their specific needs.
You could save yourself up to £518* by comparing car insurance quotes through Money Expert
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There are three different types of cover to choose from:
Third-Party Insurance: The minimum legal level of insurance cover which protects you against damage to other people’s vehicles and injuries to others (but does not cover your own vehicle or injuries).
Third-Party Fire and Theft Insurance: Offers the same protection as third-party insurance, but also includes cover for your car if it’s stolen or damaged by fire, and excludes any accident-related repairs.
Comprehensive Insurance: This provides all the benefits of third-party and third-party fire and theft cover but with additional protection for your own vehicle plus cover for injuries sustained in an accident.
Comparing these options can help you find the best and most affordable insurance policy.
Young drivers have several options available to help manage costs and find the best insurance policy including:
Overview: You can be added to a parent's or other policyholder’s insurance policy as a named driver.
Benefits: Often results in cheaper premiums compared to having your own individual policy.
Eligibility: Named driver insurance is open to both full licence holders, and learners. You can legally be a named driver if you use the car less frequently than the main driver.
Cost Reduction: Adding an older, more experienced driver to your policy or becoming a named driver can split the cost and reduce premiums for each driver.
Overview: Black box insurance uses a small tracking device installed in your vehicle to monitor your driving habits.
Benefits: Tailored premiums based on your driving style, such as speed, braking, and cornering. This can lead to lower costs if you demonstrate safe driving.
Eligibility: Suitable for both full licence holders and learners. It provides a means to secure cheaper cover on your own car rather than being insured under someone else’s policy.
Cost Reduction: Proving responsible driving with a black box insurance policy can reduce your insurance costs compared to the standard rates for young drivers.
Overview: Also known as pay-per-mile insurance, this option charges you based on how much you drive.
Benefits: Ideal for young drivers who don’t drive frequently, as you pay for insurance based on actual mileage. This can significantly reduce insurance costs.
Eligibility: Available for young and new drivers who drive less than average. This type of policy often includes fully comprehensive coverage, protecting you in various situations.
Overview: Tailored car insurance policies specifically for young drivers who are students or attending university.
Benefits: Helps students save on car insurance premiums and start building a no-claims discount, leading to even lower costs in the future.
Eligibility: Available for drivers who have passed their driving test and are enrolled as students. Some policies may require telematics devices, have restrictions on vehicle types, or set mileage limits
Overview: Learner driver insurance is designed specifically for young drivers who are still learning to drive and hold a provisional licence.
Benefits: Provides coverage for learners to gain road experience under supervision without affecting the main driver's insurance policy, helping them to build up their driving experience safely.
Eligibility: Available for provisional licence holders. This type of car insurance may include requirements for a supervising driver, restrictions on vehicle types, or limitations on driving hours.
While having a car in a lower group doesn’t necessarily mean you’re guaranteed to get cheaper car insurance, it definitely helps. Other factors will be taken into consideration too, such as your driving record, where you live, age, job title, how you’ll use the car and the exact make and model of the car you’re looking to insure.
Liz Hunter
Commercial Director
There are a number of things you can do to save money on car insurance as a young driver:
Saving on your insurance and finding the cheapest car insurance possible begins with your choice of car. Opting for one of the cheapest cars to insure for 17-year-old drivers can make a noticeable difference in your premiums.
Insurers place cars into one of 50 categories based on attributes such as power and engine size. Cars in “group one” tend to be the cheapest to insure, with “group 50” being the most expensive.
Some insurers may even refuse to cover young drivers who own a car in the highest categories as they view this as too high-risk.
Keeping your car demonstrably safe and secure is another way you can help reduce the price of your premiums. For example, storing your car in a garage is a great way to do this, as is investing in anti-theft devices like steering wheel locks.
You can improve your driving skills after you pass your test by paying for specialised driving courses, such as the government's Pass Plus scheme.
Insurers may see you as a lower-risk driver if you can provide evidence of completing an advanced driving course, thus reducing the cost of your insurance policy.
When you claim on your insurance, the first part of the claim is usually paid by you, known as the policy excess. So if you opt for a higher excess amount, you will often be rewarded with a lower overall premium cost. However, make sure that you can realistically afford the amount of excess you choose, else you won’t be able to facilitate a payout if you cannot cover the initial excess.
If you follow all of the above steps, drive carefully and keep mileage down, you can significantly reduce the cost of your insurance as a young driver.
But by far the best way to guarantee that you get the cheapest car insurance quote is to use an online comparison service.
Insurance providers calculate the premiums they offer based on the risk of the policy holder making a claim. Unfortunately for younger drivers, the statistics are not in their favour here. According to government statistics, in the UK in 2023, 32% of accidents involving drivers between the ages of 17 and 24 years resulted in casualties. Accidents involving these age groups report more than any other age group in the UK. This is one of the reasons why vehicle insurance is more expensive for young drivers.
Cars that are in the lowest insurance groups are often the cheapest to insure In addition, cars that are cheaper to repair and with less powerful engines generally pose less of a risk to insurers as statistically, they are less likely to be involved in an accident, and any claims that are made on them will cost less to settle versus more expensive vehicles.
No, only third-party insurance is legally required. However, fully comprehensive insurance can be beneficial for young drivers who are at a higher statistical risk of being involved in an accident. Although it may seem more expensive, it can sometimes be cheaper than third-party insurance due to market dynamics. Research and use comparison tools to determine if comprehensive insurance is the right choice for you.
A young driver is classed as someone aged between 17 and 24 years old. Anyone within this age range will generally be classified as an inexperienced driver by insurance providers, and therefore be subject to a higher premium.
If you're looking for cheaper car insurance then you'll be pleased to hear that yes, generally it does. It also goes down when you turn 25 years old. Although insurers classify anyone under 25 as a young driver, many insurance providers actually have two age ranges for young drivers; 17-20 and 21-24 years old. Once you move out of either of these age ranges, you should see a noticeable drop in your insurance premium.
Previously, young female drivers often paid less for insurance due to lower accident rates compared to males. However, recent European Court of Justice legislation now prohibits gender-based premium calculations. As a result, young female drivers may face higher insurance costs than before. To find affordable coverage, both male and female drivers should compare quotes and explore options online.
Young drivers can lower their insurance premiums by installing a telematics device (black box) that monitors their driving habits, opting for a car in a lower insurance group, taking an advanced driving course, and maintaining a clean driving record. Shopping around and comparing quotes from different insurance providers can also lead to more affordable options.
*51% of consumers could save £518.14 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next four cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from June 2025 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.
