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Young Driver Car Insurance

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As a younger driver, you are penalised in so many ways.

  • Firstly your no claims bonus is low, having a full no claims bonus can half your car insurance premium.
  • Secondly car insurance companies drive your car insurance premium up as they know the young driver is more likely to damage their car.
  • Thirdly the young driver is more likely to be living in a high car crime area.

Why don't you try our quick young driver insurance tool below. We try to cut out the car insurance companies that won't offer you an insurance quote at all, and point you towards some that will. By getting as many car insurance quotes as possible you increase your chance of getting the best insurance quote available for yourself. Remember of course that the best insurance quote is not always the cheapest.



Just spend 30 seconds answering these four simple questions to get started.

Men are more likely to have accidents, and when they have them, they tend to happen at higher speeds and therefore result in higher claims. The means that womens' insurance tends to be cheaper. There are a number of woman only car insurers that are worth visiting if you are a woman. Gender
Your postcode will determine your insurance premium as well. If you live in an area of high car crime, then the insurers will regard you as a higher risk. Northern Ireland insurers have a limited number of insurance companies that they can go to with big names like Lloyds, Churchill and More Than not providing policies in the Province. Your post code
You driving record to date influences how cheap your premium will be. If you have had a recent accident your NCB (No claims bonus) is likely to be lower. It is possible to protect your NCB, but you still need to tell your insurer about any accidents you have had in the last 5 years so even with a protected NCB your premium may go up. No claims bonus
Age is a critical indicator of how likely you are to have an accident. Young people are obviously more likely to have an accident. As a person heads towards retirement, their likelihood of having an accident also increases. Some insurance companies may apply age related penalties into the thirties and again as low as fifty. Your year of birth

A table of car insurance companies will be returned when you press the 'Lets get going' button. This table's order does not indicate that we recommend one car insurance company over another, also note that the cheapest insurance company may not necessarily be the best. The best thing to do if you have plenty of time on your hands is to get a quote from every motor insurance company that are on the list. If you do not have time, try getting a quote from several of the insurance companies that you feel may give you a good quote.

If you haven't yet bought your car there are several ways to minimise the cost of car insurance for young drivers.

  • Consider doing the pass plus test for the young driver.
  • Consider buying a car with a low car insurance group.
  • Consider parking off the road, if you have access to a driveway use it.
  • If you are moving house remember that some postcodes attract higher car insurance premiums.
  • Consider 3rd party fire and theft car insurance if your vehicle is older.

Don't claim that you are just a named driver on someone else's insurance policy. Car insurance companies like not to pay out on insurance claims. If you are a young driver, they may be suspicious and investigate if you are the most regular driver of the car and so, not pay out the insurance claim.








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