Young driver insurance is car insurance for people aged 17 to 25. It costs more than insurance for older drivers because young people are more likely to have accidents.
Young driver insurance is the same as regular car insurance, but it's priced for younger people. Insurance companies charge more because new drivers have less experience on the road.
The main types of cover are:
Third party only - Covers damage to other people's cars and property
Third party, fire and theft - Also covers your car if it's stolen or damaged by fire
Comprehensive - Covers everything, including damage to your own car
You can find out more information on cover types here.
Young drivers face higher insurance costs for several clear reasons:
Less driving experience means young people are still learning how to handle different road situations. Statistics show that drivers aged 17-19 are nearly three times more likely to be in an accident than drivers over 25.
Higher risk of accidents occurs because young drivers often take more risks. They might drive faster or be less careful about following traffic rules.
More expensive claims happen when young drivers have accidents. Their crashes often involve more damage because they might not know how to avoid serious collisions.
Different driving habits also affect costs. Young people often drive at night or with friends in the car, which increases accident risk.
Young driver insurance typically costs between £1,000 and £3,000 per year in the UK. The exact price depends on many factors:
Your age (17-year-olds pay the most)
The car you drive
Where you live
Your driving record
How many miles you drive per year
First-time drivers usually pay the highest prices because they have no driving history to show they're safe drivers.
There are many proven ways to lower your insurance costs:
Choose the right car. Small cars with smaller engines cost less to insure. Popular first cars include the Ford Fiesta, Vauxhall Corsa, and Volkswagen Polo.
For more information check out our guide on the ‘Cheapest Cars to Insure’.
Add an experienced driver to your policy. Having a parent or guardian as a named driver can reduce costs.
Take extra driving lessons. Courses like Pass Plus show insurance companies you're a safer driver and could reduce premiums.
Increase your excess. Agreeing to pay more if you claim can lower your premium. However, make sure you can afford the excess amount.
Install a black box. Telematics insurance monitors how you drive and rewards safe driving with lower costs.
Pay annually instead of monthly. Paying for the whole year upfront is usually cheaper than monthly payments.
Shop around for quotes. Always use a comparison service to see what prices are available to you.
Black box insurance, also called telematics insurance, uses a small device in your car to monitor your driving. It tracks:
How fast you drive
How hard you brake
How quickly you accelerate
What time of day you drive
Where you drive
Good driving scores can lead to lower insurance costs. Many young drivers save money with black box policies.
The device doesn't record conversations or track you when you're not driving. It only monitors driving behaviour to help calculate fair insurance prices.
Practice regularly with an experienced driver even after passing your test. More practice makes you a better, safer driver.
Avoid driving at night, when possible, especially in your first year. Most accidents involving young drivers happen between 10 PM and 6 AM.
Don't drive with lots of friends in the car at first. Having multiple passengers increases distraction and accident risk.
Follow speed limits and traffic rules carefully. Getting points on your license makes insurance much more expensive.
Keep your car secure by parking in safe places and using anti-theft devices. This reduces the risk of theft and can lower insurance costs.
Review your insurance policy every year when it's time to renew. Your circumstances might have changed, and you could find better deals elsewhere.
Consider reviewing sooner if:
You move to a new area
You change jobs or how much you drive
You want to change your car
You've had no accidents for a year or more
Get new young driver insurance quotes to see if you can save money on your renewal.
Fronting is when parents put themselves as the main driver and their child as a named driver to get cheaper insurance. This is illegal and can void your policy.
Not declaring modifications like new wheels or a louder exhaust can also void your insurance. Always tell your insurer about any changes to your car.
Choosing the cheapest policy without checking what's covered might leave you without proper protection when you need it most.
Not updating your address or other details can cause problems if you need to claim.
When getting quotes for young driver insurance, you'll need:
Your full driving license details
Information about the car you want to insure
Your address and how long you've lived there
Details about your job or studies
Information about where you'll park the car
Your expected annual mileage
Having all this information ready makes getting quotes faster and more accurate.
Compare young driver insurance prices from multiple insurers to find the best deal for your situation.
Young driver insurance costs more because new drivers have higher accident risks. However, there are many ways to reduce costs, from choosing the right car to taking additional driving courses.
The most important things to remember are:
Shop around for the best prices
Consider black box insurance for potential savings
Drive safely to build up a no-claims bonus
Review your policy annually
Getting proper insurance is required by law and protects you financially if something goes wrong. Take time to understand your options and choose cover that gives you peace of mind on the road.
With careful planning and safe driving, young driver insurance costs will decrease as you gain experience and prove you're a responsible driver.
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