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Why insurance costs more for young drivers
Drivers aged 17–25 are statistically more likely to be involved in accidents, which is why insurers often set higher premiums. With fewer years of driving experience, insurers have less data to judge your risk profile. But this doesn’t mean you can’t get a good deal, it just means shopping around is more important than ever.
Whether you’re commuting, studying, or taking longer trips, choosing the right level of cover now can set you up for even bigger savings in the years to come.
What to consider before choosing cover
Choosing the right cover isn’t just about price. Young drivers should also think about:
Whether a black box (telematics) policy could help reduce costs.
If adding a parent or experienced driver to your policy is possible — this can sometimes bring premiums down.
The importance of building a no-claims discount early to save more in future years.
Types of young driver 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 young driver car insurance
Age and experience
Premiums usually fall as you move from 17 towards your mid-20s, especially with a clean driving record.
Car choice
Smaller, cheaper-to-repair cars in low insurance groups are more affordable to insure.
Claims history
Any accidents, claims, or convictions will increase your premium.
Policy type
Comprehensive policies often provide the best value, even for young drivers.
Location
Where you live and park your car overnight can have a big impact.
Annual mileage
The fewer miles you drive, the less risk you present to insurers.
Find the best deal for young driver car insurance — compare quotes today
If you’re between 17 and 25, you’ll know that car insurance can be one of your biggest expenses. Young drivers are often seen as higher risk, which means premiums can be more expensive. But with the right approach, you can cut costs without sacrificing cover.
At MoneySpider, we make it easy to compare young driver car insurance quotes from trusted providers, so you can find the protection you need at a price that works for you.
Advice for getting the best deal
Consider a telematics policy — many young drivers see significant savings.
Pay annually if you can, as monthly payments often include interest.
Avoid unnecessary modifications to your car.
Compare quotes regularly — even a small change in circumstances can affect prices.
Look at multi-car or family policies if available.
FAQ
Need more help?
Do I have to get black box insurance?
Can parents pay for young driver insurance?
What happens if I add a named driver?
Does insurance get cheaper every year after 17?
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