Cheapest Insurance Companies For Young Drivers – If you can’t wait to get behind the wheel of your first car, the cost of auto coverage can ruin things. This is because car insurance quotes for young drivers tend to be more expensive compared to other age groups. But that doesn’t mean you can’t find a good deal – it’s all a matter of knowing where to look.
To help you get the best value for money, we’ve analyzed quotes from over 50 car insurance companies available on two major comparison sites. From here, we find the cheapest plans in the main English cities for new and young drivers.
Cheapest Insurance Companies For Young Drivers
We’ve collected over 50 sample quotes from UK car insurance providers, based on an 18-year-old student.
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We got the lowest quote by some distance, it was from General Accident (GA) Insurance. In fact, our data showed that GA was about 62% cheaper compared to the average of all the quotes we received, and 18% less expensive than the three cheapest quotes.
It’s worth knowing that a number of these features come from some of the UK’s biggest car insurance companies. For example, General Accident is part of Aviva and both Churchill and Privilege are part of Direct Line. In most cases, you will find that these large parent companies are not particularly competitive when it comes to car insurance for young drivers, but they will offer better deals with their subsidiary brands.
We’ve listed the 15 best car insurance providers for young drivers based on our reviews, including annual premiums and total excess.
Almost all insurance policies come with a deductible. This is the amount you must pay if you want to make a claim. It’s important that the excess you agree is affordable because if you can’t pay it, your claim won’t go ahead.
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Please remember that quotes will vary, so the cheapest provider on our list may not be the cheapest for you; That’s why it’s so important to compare prices and quotes.
*Excerpts in this article reflect data from our sample controller and should be used for informational purposes only.
Young driver car insurance is similar to standard car insurance, but policies are designed specifically for drivers under the age of 25.
When comparing car insurance for young drivers, you will be able to choose from three levels of coverage:
Compare Cheap Car Insurance For Young Drivers
Insurance quotes for young drivers tend to be more expensive, so comparing quotes is key to finding affordable car insurance for young drivers. You might think that comprehensive coverage would be the most expensive, but it’s still worth comparing rates as it may be cheaper or have lower rates. Why? Drivers who need insurance to protect their car tend to be safe drivers (for example, they take care of their car).
Our research found that not all quotes were available in all areas of the UK, and few providers offered car insurance for young drivers in some areas. For example, we found that young drivers in Manchester were given 45% fewer quotes compared to under 25s in other major cities. You can read more about our findings in our article on how to compare car insurance costs for young drivers by region.
According to the quotes we found, general accident insurance was the cheapest insurance for young drivers in Birmingham, Leeds, Sheffield, Bradford, Manchester and Liverpool.
In these cities, the average price of GA was £1,569 for a young driver, almost 63% less than the average price of all insurers in our study. So, if you live in any of these areas, GA may be the best option for affordable insurance.
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However, More Than’s Smart Wheels, Churchill Drivesure and Ingenie were also competitive alternatives to car insurance for young drivers, and the second, third and fourth cheapest car insurance for young drivers in the north of England respectively.
In many cases, General Accident is also the most affordable car insurance for young drivers in the South West and South East of England. For example, in London and Bristol, the GA quotes in our example for a small driver were £1,027 and £991 respectively.
Please note that the quotes we have collected are based on our sample profile, so your lowest quote in your area may not be the lowest price we have found. Also, don’t forget that some brands only offer quotes in certain areas.
To give you an idea of what’s available and from whom, here’s a list of three smaller suppliers by location.
Best Car Insurance For Young Drivers
Young driver insurance is expensive and that’s not something that’s going to change anytime soon. That said, there are ways to keep car insurance costs as low as possible; Here are our tips:
The make and model of your car can have a dramatic effect on your premium (and you may be surprised at the cost difference). For example, the ever-popular Ford Fiesta costs an average of £200 less per year to insure than a Ford Focus.
To compare the prices of different cars, see our article How much does it cost to insure the UK’s most popular vehicles?
Adding a more experienced driver to your policy, such as your mother, father or other relative, can reduce premiums by up to 50%. Keep in mind that to get the lowest quotes, the called drivers must not have a valid driving license or submit a recent car insurance claim.
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Telematics policies base premiums on your driving, rather than typical data for your age group. If you take out telematics insurance, the device will be installed in your car and linked to your insurance. The device will collect data about your driving style, including speed, acceleration, braking and cornering. Some insurers may check the times of day you drive. If you perform well and consistently (based on the data collected), you can see the premiums drop quickly compared to car insurance policies.
Earlier is when you take out a policy and say that someone else is driving instead of you, so that you can get the cheapest car insurance. It may be an easy mistake to make, but the consequences can be dire. Not only can it invalidate your policy, but it is a form of insurance fraud and can lead to prosecution.
As you can see from the price analysis above, getting car insurance for young drivers under £1000 will take time. First, keep in mind the tips listed above to try to get car insurance for a small driver under £1000. Also, check how much you plan to drive.
If you really don’t drive much, you may find it cheaper to buy a low-mileage policy (eg with Miles) or pay for short-term car insurance, which you can buy by the hour, day, week, or month. .
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Note: Temporary (short-term) car insurance is NOT cheap if you end up buying it over and over to pay off over time. It only works if you need general protection. Be sure to check the prices and consider how many times you will need to buy it before you go that route.
Temporary car insurance for young drivers is useful if you’re studying, borrowing someone else’s car, driving home a new vehicle, or getting coverage while you’re home from college. 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 with one product or from a dealer with a few offers at different prices. Finally, click the green button below to get quotes 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 very important to compare truck insurance rates before you buy if you are a young driver. Why? Van insurance tends to be more expensive (than car insurance) and young drivers insurance tends to be more expensive (than experienced drivers); If you combine the two, drivers of small vans can pay a large premium. For short term insurance for young drivers, you can get a quote from Go Shorty. For a long-term report, compare the quotes here.
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Most telematics insurance providers will insure young drivers without a black box, but it will undoubtedly cost more.
For example, our study on how much you can save with telematics showed that among insurers offering both types of coverage for young drivers, the telematics plan was 31% cheaper on average.
If you really want small driver insurance outside of the black box, we’ve seen big names like Admiral and Hastings offer insurance. It will cost more if you choose telematics coverage.
Remember, choosing a telematics plan now doesn’t mean you’ll be tracked forever; Only if you have that policy. And when you’re a little older you can get a lower rate without telematics. As you can see from an analysis of car insurance costs, rates drop significantly as a young driver gains experience.
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Getting quotes and finding out what a small driver can pay for comprehensive insurance
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