Car insurance for students, compare from 130+ trusted UK insurers. Get quotes in minutes and find cover that fits your student budget.
Compare student car insurance from 130+ UK insurers.
Uni or home address? Find quotes for both.
Student insurance deals - you could save up to £518*.
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Students aged 17–24 face average annual car insurance premiums significantly above the UK average. Insurers consider this age group high-risk, and most students haven't yet built a no claims bonus. The good news is there are effective ways to find cheaper car insurance as a student.
Drivers aged 17–24 make up just 7% of licence holders but are involved in over 20% of fatal and serious collisions.
Listing your occupation as student places you in a higher-risk category with most insurers.
Without a no claims bonus, students miss out on discounts of up to 75% that experienced drivers enjoy.
ABI Motor Insurance Premium Tracker, Q3 2024.
There are several proven ways to reduce the cost of car insurance as a student.
Consider black box insurance. Safe student drivers could see significant savings at renewal. If you drive sensibly and mostly during the day, telematics is often the most effective way to reduce your premium.
Choose a car in insurance groups 1–5. Small, reliable cars like the Toyota Aygo, Peugeot 108, or Kia Picanto are significantly cheaper to insure. See our guide to the cheapest cars to insure.
Compare quotes from multiple insurers. Prices vary significantly between insurers for identical cover. Never accept a renewal without comparing.
Build your no claims bonus. Each claim-free year reduces your premium. The ABI states discounts can be as much as 30% for one claim-free year and 60% for five claim-free years.
Use the correct address. Insure your car at the address where it is kept overnight most of the time. Using a false address to get a cheaper quote could invalidate your policy.
Report your mileage accurately. Lower annual mileage could mean lower premiums — though always ensure you are being truthful on your policy.
Avoid modifications. Even cosmetic changes like alloy wheels can increase premiums and must be declared.
Pay annually if possible. Monthly payments typically include interest charges. If you can save up and pay in full, it usually works out cheaper.
You must insure your car at the address where it is kept and parked overnight for the majority of the time. Providing an incorrect address to get a cheaper premium is misrepresentation and could void your policy.
Use your university address. Your car is there for 30+ weeks per year.
Use your home address. Most cost-effective if you don't need a car at uni.
Use your home address. Your car is parked at home overnight.
Speak to your insurer and declare both addresses.
The highest level of cover and often cheaper than third party for students. Insurers view comprehensive buyers as lower risk.
Read the fully comprehensive guide →Telematics policies monitor your driving and reward safe habits. The most effective way for students to reduce costs.
Compare black box insurance →Being added to a parent's policy is cheaper but you won't build your own no claims bonus. The main driver must be whoever drives the car most — anything else is fronting and is fraud.
See if you can find affordable cover from 130+ trusted UK insurers.
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Find answers to common questions about student car insurance.
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