Also called telematics cover, black box policies track driving habits, such as speed, braking, and time on the road. Safe driving results in lower premiums.

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YoungDriver Insurance

Q: Pay-as-you-go insurance

Charges depend on how much the car is used. Ideal for drivers who don't need the car every day, it keeps costs manageable while providing full protection when required.

Q: Named driver insurance

With this option, you can add a named driver to your policy, often an experienced family member, to reduce your premiums. Accuracy is important, as listing someone else as the main driver when they are not counts as a type of insurance fraud.

Q: Learner driver insurance

Car insurance for drivers aged 17 or over who hold a provisional licence covers legal road use. Policies prepare drivers for full coverage once the test is passed.

At Car Insurance Plus, we make car insurance for young drivers easier to compare, helping you find cheap quotes and fair cover for 17 to 24-year-olds, all in one place.

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10% paid £516 or less

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Here's some encouraging news: 10% of drivers under 26 paid £516 or less in March 2025.
With the right approach and careful comparison shopping, you can find proper cover that fits your budget.

Compare car insurance quotes

Get personalised quotes in minutes by just telling us a bit about you and your car.

Tell us a bit about yourself

Start by sharing a few details, such as your age, job, address, and driving history, so we can show you new driver car insurance options that actually fit your life.

Add your car info and cover preferences

Enter your car's make and model, along with how you use it each day, to help us find the best results. You'll get a quote that matches what you need.

Review and choose

We'll compare quotes from a wide mix of insurers, so you can see your choices side by side and pick the one that feels right for your budget and your car.

What is young driver insurance

Young driver insurance is simply another way of describing car insurance policies designed to help young drivers get on the road safely and affordably. It’s aimed at drivers under 25, who often face higher premiums because of their limited experience.

These policies feature smart options, such as black boxes or flexible cover, providing a fair chance for new drivers to demonstrate their skills and save money in the process.

How much does young driver car insurance cost?

Car insurance rates for new drivers are easily in the range of £1,000 to £2,000 a year*.

Different insurance providers set their prices differently, so the insurance price can change from one company to another. The cost of car insurance also varies depending on the car you drive, your location, and your driving history.

Region	Average Cost for Young Drivers	UK Average	Difference
London	£1,805	£991	+£814
Manchester	£1,403	£714	+£689
Birmingham	£1,495	£787	+£708
South West	£1,005	£502	+£503
Wales	£1,112	£542	+£570

Disclaimer: Quotes shown are for illustration purposes only. Actual premiums depend on individual circumstances and are subject to insurer verification.

Updated on 17 October 2025

Why is young driver insurance so expensive?

The cost of your car insurance at 17 can feel surprisingly high, but there's a reason for it. Insurance companies see people in this age group as higher risk because young drivers are more likely to have accidents, make claims, and lack experience on the road.

Fewer years of driving, limited track records, and sometimes the choice of flashier cars all add up. New drivers pay more until they gain experience and build a no-claims history.

However, you don't have to settle for high prices; we'll help make your car insurance more affordable.

Car insurance savings calculator

Use our calculator to find out exactly how much you can save. Compare options, adjust coverage, and take steps to lower the cost of your insurance today.

Savings premium calculator

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Must be between £200 to £15,000

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Your savings estimate

Savings are indicative ranges based on common market behaviours. Each insurer applies their own rules and pricing, so premiums may differ from these estimates. This is for example purposes only.

Original premium£1,700

Estimated saving (range)£0

Saving percentage (range)0.0%

New premium (estimate)£1,700

What type of insurance do young drivers need?

Different policies offer different levels of protection and costs:

Third-party insurance

As the most basic type of car insurance, this covers damage to other people's vehicles or property. It meets legal requirements but doesn’t cover your own car in the event of an accident.

Third-party, fire and theft insurance

This level of insurance cover protects against damage to other vehicles and property, plus fire or theft of your own car.

Comprehensive insurance

A more extensive car insurance option for young drivers, this provides protection for both your car and others’ property, including accidental damage. Often the most flexible choice, it can save money on repairs in the long run.

Disclaimer: Coverage suitability depends on your individual needs and circumstances. Consider your vehicle value and personal preferences when choosing.

What young driver insurance options are there?

There are several types of policies designed to match different needs, budgets, and experience levels:

Black box insurance

Pay-as-you-go insurance

Named driver insurance

Learner driver insurance

Young driver insurance costs across the UK

Most expensive areas:

London and surrounding areas
Birmingham and West Midlands
Manchester and surrounding regions
Liverpool and Merseyside

Better value areas:

South West England
Wales (excluding Cardiff)
Northern Scotland
Rural areas generally

Factors affecting regional pricing:

Location impacts insurance costs due to varying levels of traffic density, crime rates, accident statistics, and repair costs. Urban areas typically see higher premiums due to increased risks.

Disclaimer: Insurance group alone doesn't determine your premium - many factors are considered.

How can I get cheaper car insurance as a young driver?

In addition to choosing the right cover, follow these top tips for young drivers to make your insurance more affordable:

01 — Save £500-£1,000

Choose a smaller or less powerful car

Cars with smaller engines are usually the cheapest to insure for young drivers. They cost less to repair and are seen as lower risk.

02 — Save £300-£800

Consider a telematics (black box) policy

Telematics insurance rewards safe driving. By taking out a young driver policy that monitors your habits on the road, you can prove you're responsible and benefit from cheaper rates over time.

03 — Save £100-£200

Pay annually instead of monthly

If you can, pay your insurance in one go. Paying monthly adds interest and extra fees, so annual payments work out cheaper overall.

04 — Save £300-£800

Limit your mileage

The fewer miles you drive, the lower the cost of young driver insurance. Shorter journeys mean less time at risk, which insurers factor into your premium.

05 — Save £200-£400

Add a named experienced driver

Adding a more experienced driver, such as a parent, can make a big difference. Just be sure you're the main driver on the policy, as naming someone else when you're not could invalidate your insurance.

06 — Save £100-£200

Build a no-claims bonus

Avoid making a claim on your insurance to qualify for cheap insurance for young drivers in the future. Each year without a claim earns discounts that grow over time.

07 — Save £50-£150

Take a driving course

Complete extra training to show you're a safer younger driver. Some insurers offer discounts to those who've taken recognised courses after passing their test.

08 — Save £100-£300

Increase your voluntary excess

Raising your excess can reduce the cost of your insurance, but choose an amount you could still afford if you ever need to make a claim.

Disclaimer: Savings examples are illustrative only.

What details do I need to get a car insurance quote?

Before you start your quote, it's useful to have a few key details ready:

Your age and occupation
Home address and where the car is parked overnight
How you use your car: social, commuting, or business
Estimated annual mileage
Driving licence number
Car registration and purchase date
Any vehicle modifications
Your No Claims Discount (if applicable)
Record of accidents, claims, or penalties in the past five years
Details of any additional drivers

Popular Car Choices for Young Drivers

Insurance Group 1 Vehicles

Popular choices include small city cars and basic hatchbacks. These vehicles are generally inexpensive to repair and replace, which can help keep insurance costs down.

What Makes a Car Affordable to Insure

Lower purchase price
Inexpensive parts and repairs
Good safety features
Smaller, less powerful engines
Low theft rates

Vehicles Often More Expensive

Sports cars, high-performance vehicles, and luxury cars typically fall into higher insurance groups due to increased repair costs and higher theft rates.

Disclaimer: Insurance group alone doesn't determine your premium - many factors are considered.

How to Compare Young Driver Insurance Quotes

Information You'll Need

Full UK driving licence details
Vehicle registration or details of car you plan to buy
Postcode where car will be kept overnight
Employment information
Previous insurance details (if applicable)

Comparison Process

Gather all required information before starting
Compare car insurance quotes from 120+ insurers using our quick comparison tool to find the best rates for young drivers.
Check what's included in each quote carefully
Consider both price and level of coverage
Read policy terms before purchasing