- Best Cheapest Car Insurance For Young Drivers
- How To Choose The Best Car Insurance Company
- Insurance Tips & Advice For Young Drivers (infographic)
Best Cheapest Car Insurance For Young Drivers – If you can’t wait to get behind the wheel of your first car, the cost of car cover can put a strain on things. This is because car insurance quotes for young drivers are expensive compared to other age groups. But that doesn’t mean you can’t find a good deal – it’s all about knowing where to look.
To help you get a great rate, check quotes from over 50 auto insurance companies available on two major sites. From here, we’ve found the cheapest comprehensive plans in the major English cities for new young drivers.
Best Cheapest Car Insurance For Young Drivers
Young driver car insurance is the same as standard car cover, but the policy is designed specifically for drivers under 25.
How To Choose The Best Car Insurance Company
When you compare car insurance for young drivers, you can choose from three levels of cover:
We’ve collected over 50 products from UK car insurance providers, based on the 18-year-old student.
We found the cheapest quote by far, from General Accident (GA) Insurance. In fact, our data reveals GA is about 62% cheaper compared to the average for all of our finds, and 18% less expensive than the top three cheapest brands.
It is good to know that most of these products are from some of the leading UK car insurance companies. For example, High Risk is part of Aviva and both Churchill and Privilege are part of Direct Line. In most cases, you will find that these big parent companies are not particularly competitive when it comes to young driver car insurance, but they will offer the best deals through their products.
Cheap Car Insurance For Young Drivers
We’ve listed the 15 cheapest providers for young driver car insurance based on our research, including annual premiums and total excess.
Almost all insurance policies come with an excess. This is the amount you have to pay if you want to make a claim. It’s important that the amount you agree to is affordable because if you can’t pay, your claim simply won’t go forward.
Remember that quotes will vary so the cheapest provider on our list may not be the cheapest for you – which is why it’s important to shop around and compare quotes.*
* The content of this article shows information for our driver model, and should be used for informational purposes only.
Best Car Insurance Companies Of November 2023
Our research found that not all of the features mentioned are available in all parts of the UK, and many providers do not offer young car insurance in some areas. For example, we found that young drivers in Manchester were given 45% lower ratings compared to less than 25% in other major cities. You can read more about our research in our article on comparing young driver car insurance prices by region.
From our findings, High Risk Insurance is generally the cheapest insurer for young drivers in Birmingham, Leeds, Sheffield, Bradford, Manchester, and Liverpool.
In these cities, the average cost of GA is £1,569 for a young driver, around 63% less than the average cost across all insurers in our survey. So, if you live in one of these areas, GA may be your best bet for affordable insurance.
However, More Than’s Smart Wheels, Churchill Drivesure and Ingenie were also competitive alternatives for motorist car insurance, with the second, third and fourth cheapest average car insurance for young drivers in the north of England, respectively.
Best Car Insurance For New Drivers: Best Rates (november 2023)
In most cases, High Risk is also the cheapest car insurance provider for young drivers in the South West and South East of England. For example, in London and Bristol, the GA costs for our example young driver were £1,027 and £991, respectively.
Remember the benefits we have compiled are based on our product data so the cheapest for you in your area, may not be the same as the cheapest quote we have found. In addition, do not forget that some brands only offer estimates in certain areas.
To give you an idea of what’s available and from whom, here’s a summary of the top three cheapest providers by region.
Insurance for young drivers is expensive and it is not something that is likely to change anytime soon. That said, there are ways to keep car insurance costs as low as possible; Here are our recommendations:
Cheapest Car Insurance For Young Drivers (2023)
The make and model of your car can have a dramatic effect on your value (and you might be surprised at the price difference). For example, the popular Ford Fiesta costs around £200 less a year to insure than a Ford Focus.
To compare how different cars stack up against each other on price, see our article on What Does UK Car Insurance Cost?
Adding a named professional driver to your policy, such as your mother, father or other relative, can reduce premiums by as much as 50%. Just remember that to get the lowest quotes, named drivers should not have any driving convictions or have made a recent car insurance claim.
Traffic policies base their rating on the way you drive, rather than the amount of information for your age group. If you take out telematics insurance, the device will be installed in your car and connected to the insurer. The device will collect information about your driving style, including speed, acceleration, braking, and cornering. Some insurers may note the times of day you drive. If you drive regularly and well (based on the data collected) you can see premiums drop quickly compared to standard car insurance policies.
Best Car Insurance For Teens And Young Drivers (2023)
An introduction is when you take out a plan and say that someone else is the main driver instead of you, to get cheaper car insurance. It may be an easy mistake to make but the consequences can be serious. Not only can it invalidate your policy, it’s a form of insurance fraud and can lead to lawsuits.
As you can tell from the price analysis above, finding car insurance for young drivers under £1,000 will take some doing. First, keep in mind the tips listed above to try to bring your young driver’s car insurance under £1,000. Also, consider how much you plan to drive.
If you won’t be driving much, you may find it more effective to buy a solid policy (eg By Miles) or pay for temporary car insurance, which you can buy by the hour, day, week or month.
Note: temporary (short-term) car insurance is NOT FREE if you end up buying it regularly to cover most of the time. It only works if you need occasional cover. Be sure to check the price and consider how often you will need to buy before going this route.
Insurance Tips & Advice For Young Drivers (infographic)
Temporary car insurance for young drivers is useful if you’re learning, borrowing someone else’s car, driving a new vehicle home or just getting cover while you’re home from uni. It can be set up in minutes and does not require a black box.
You can buy short-term car insurance for young drivers from a company that has one product, or from a dealer that has a few offers at different price points. For the latter, click the blue button below to get a quote from our partner, Go Shorty. They work with household names such as LV= and Ageas, as well as specialists such as Mulsanne and KGM.
It is especially important to compare rental car insurance rates before buying if you are a young driver. Why? Van Insurance is usually more expensive (than car insurance) and young driver insurance is usually more expensive (than experienced drivers) – combining these two young drivers of vans can pay a lot. For short-term car insurance for young drivers, you can benefit from Go Shorty. For long term cover, compare quotes here.
Most telematics insurance providers will also offer insurance for young drivers without a black box – but it will certainly be more expensive.
Cheapest Car Insurance For New Drivers
For example, our research on how much you can save with telematics shows that among insurers that offer both types of coverage for young drivers, the telematics plan is 31% cheaper on average.
If you really want young driver insurance without the black box, we’ve found that big names like Admiral and Hastings will offer cover. It will only cost more if you opt for their telematics cover.
Remember, going to a telematics program now does not mean you will be tracked forever – just for the time you have that specific purpose. And once you get bigger you’ll be able to get cheaper prices without telematics. As you can see in our study of car insurance rates, premiums drop significantly as a young driver gains experience.
To find a quote and find out what a young driver might pay for comprehensive car insurance, we’ve collected quotes for a sample 18-year-old male driver with a full UK licence, driving a 2015 Ford Fiesta (the UK’s most popular car).
Cheapest Car Insurance For A Van (2023)
In total, we have collected over 300 quotes for drivers based in London, Birmingham, Leeds, Sheffield, Bradford, Manchester, Liverpool, Bristol, Newcastle and Sunderland.
The quotes are based on driving 5,000 miles per year and we’ve chosen a decent car, breakdown, personal accident and legal cover. Using our product comparison, we chose the cheapest one
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