Young Driver Car Insurance


As a young, teenager or learner driver in the UK, you are penalised in so many ways:-


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  • Young drivers have low no claims bonus, having a full no claims bonus can half your premium.
  • Car Insurance companies push young persons premiums up, as they know they are more likely to have an accident.
  • Young people and students are more likely to be living in an area where there is higher car crime, upping the insurance premium again.
  • Drivers between 17 and 21 account for 16% of all drivers, but are responsible for 34% of serious or fatal accidents.
young drivers car
All this at a time when you need all the spare cash you can get. Do not worry we'll try to help you push your UK car insurance premium down. Our young driver insurance UK quotation tool will cut out as many of the insurance companies as possible that are not going to quote you and directs you towards those that provide insurance quotations for young drivers.  

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 UK 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

The list that our young driver car insurance quote tool will produce is in no particular order as under FSA regulations we are not allowed to recommend one car insurance company over another. Try to get quotes from as many of the insurance companies as possible as this will increase your chances of cutting your insurance premium. Remember that the cheapest car insurance quote will not necessarily be the best in terms of features and it may be of more benefit in the long run to get your young driver car insurance from someone other than the cheapest insurance provider. Remember also that as a young driver, you will probably benefit from choosing a car with a low insurance group and/or going for Pass Plus. Why not get a few quotes from some insurance companies with and without pass plus to show you what the difference would be and to help you to decide whether it is worth going for.






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Updated 14 May 2020