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Why car insurance gets easier at 21
By the time you’re 21, you may have several years of driving experience and possibly a solid no-claims discount. Insurers often reward this with more competitive rates, giving you access to policies that might have been out of reach at 17–20.
This is a great time to shop around, premiums can vary significantly between providers, and switching could save you money.
What to consider before choosing cover
At 21, you may be starting new stages in life — from a full-time job to moving into your own place. Your circumstances could affect your insurance, especially if you’re driving longer distances or parking your car somewhere new.
It’s worth checking if comprehensive cover is the better choice. While it may cost slightly more than third party options, it often provides better long-term value if you ever need to make a claim.
Types of 21 year old car insurance
This is the minimum legal requirement. It covers liability for injury or damage to other people and property caused by your vehicle.
In addition to third-party coverage, TPFT insurance also covers your vehicle if it’s stolen or damaged by fire.
Comprehensive insurance covers you if you damage your car, somebody else’s car or if you injure somebody in an accident, regardless of who’s at fault. It also covers your vehicle if it’s damaged by fire or stolen.
Telematics insurance involves the use of a black box device installed in your vehicle or a smartphone app to monitor your driving behaviour.
PAYG insurance allows you to pay for coverage only when you’re using your vehicle. It’s often used by occasional drivers and can be a cost-effective option.
Multi-car insurance allows you to cover multiple vehicles and drivers under a single policy.
Temporary car insurance provides coverage for a short duration, typically from one day up to a few months.
If you use your vehicle for business purposes, you may need commercial car insurance.
Factors that affect 21 year old car insurance
Driving experience
Several years behind the wheel and a no-claims bonus help reduce costs.
Car choice
Insuring high-performance or expensive vehicles will still cost more.
Claims history
Any past claims or convictions still affect pricing.
Policy type
Comprehensive cover often offers the best balance of cost and protection.
Location
Living in cities usually means higher premiums than rural areas.
Annual mileage
Annual driving distance continues to impact premiums.
Take the next step at 21 — compare car insurance with better options
Turning 21 is a big milestone, not just in life but also for your car insurance. Insurers often see 21 year olds as more experienced and responsible drivers compared to teenagers, which means premiums can start to fall. With the right cover, you can enjoy greater freedom on the road, without paying over the odds.
At MoneySpider, we make it simple to compare policies from trusted providers so you can find the best value cover for your needs.
Advice for getting the best deal
Shop around — premiums can vary widely between insurers.
Stick with a low insurance group car if costs are a concern.
Keep building your no-claims discount to unlock bigger savings.
Increase voluntary excess if affordable.
Take advantage of multi-car or household policies if you share with family.
FAQ
Need more help?
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