Young Drivers Insurance

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Why Compare Young Driver Insurance With SimplyQuote?

Young drivers, you’re ready to hit the road and SimplyQuote has got you covered!

Finding the right car insurance at your age can feel like a challenge, but it doesn’t have to be.

We understand how overwhelming being behind the wheel is, let alone finding young driver insurance! We’ll help you sift through multiple motor vehicle insurance policies from top UK insurance providers in just a few clicks.

We cater to the unique needs of young drivers and will find you competitive young driver insurance policies that won’t break the bank.

Use the 100% free, online comparison tool today.

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Why Do You Need Young Driver Insurance?

What Does Young Driver Insurance Cover?

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What Are The Types Of Young Driver Car Insurance?

Young drivers can choose from several types of insurance options, from black box insurance to temporary car insurance.

Let’s take a closer look:

Black box insurance

Black box technology or telematics car insurance uses a “black box” to monitor how well you drive on the road. It monitors how you brake, turn, and steer and the standard speed and distance in which you drive. From the data gathered, the insurance provider may offer you cheaper car insurance premiums.

Pay-as-you-go insurance for young drivers

This is also referred to as pay-per-hour or pay-per-mile insurance.

You may be able to find cheaper car insurance in the form of pay-as-you-go cover if you’re not planning on making a daily commute in your car or going on regular long-distance journeys.

Named driver car insurance

If you’re planning on using your parent’s car or another vehicle that does not belong to you, you could get the owner of the car to include you as a ‘named driver’. With named driver insurance, the additional driver receives the same level of cover as the main driver and is free to drive the car at any time.

Learner driver car insurance

If you’re using someone’s car to learn how to drive, a learner driver car insurance policy will give you separate cover from the car owner’s insurance. Meaning if you’re in an accident, their no-claims discount bonus remains unaffected.

Temporary car insurance

Also called, short-term insurance for young drivers, this policy is calculated on how often you use your vehicle. Every short-term insurance premium is different and could cover you for months, weeks, days or even a couple of hours.

Student car insurance

Similar to car insurance for young drivers, student car insurance is aimed at students (hence the name) aged between 18 and 25.

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What Levels Of Young Driver Car Insurance Can You Get?

The three levels of vehicle insurance available for younger drivers are just like regular motor vehicle insurance:

  1. Third-party only
  2. Third-party, fire and theft
  3. Comprehensive cover

Young drivers must have at least third-party only (TPO) cover.

Third-party only (TPO)

  • The most basic level of cover
  • The minimum legal requirement needed to drive on UK roads
  • Protects you against third-party claims if you injure someone or damage their property or vehicles while driving
  • Will not pay out for repair or replacement costs to your own ca

Third-party, fire and theft (TPFT)

  • A middle ground level of ground
  • Includes basic TPO cover
  • Will compensate you if your vehicles are damaged by fire or are stolen
  • Will not pay out for repair or replacement costs to your own car if you’re in an accident

Fully comprehensive insurance

  • Offers the most comprehensive motorcar cover
  • Includes TPO and TPFT
  • Will compensate for repair costs to your vehicle(s) – even if you are at fault
  • Will compensate for medical expenses if you’re involved in an accident
  • May include windscreen protection, legal cover, key replacement and wrong fuel type cover – check details with your insurer

Note: Depending on the insurance provider, comprehensive cover may be the only option offered to young drivers.

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Which Add-Ons Are Available For Young Driver Insurance Policies?

There are many additional policies young drivers can add to their insurance policies in the UK and they are no different to the extras available for older drivers.

Breakdown cover

is a lifesaver if your car breaks down. It covers getting your vehicle picked up by towing services and roadside repairs.

Courtesy car cover

provides you with a courtesy car when your vehicle is in for repairs.

Excess protection

is an add-on that reimburses you for some of (or all) of the excess you pay when making a claim. This is particularly helpful seeing that insurance for young drivers is so expensive.

No claims discount protection

is handy to have. If you’re involved in an accident, you could retain your no-claims discount level by investing in this policy.

Legal expense cover

covers the legal costs of recovering compensation from the other drivers’ insurance company if you’re in an accident that is not your fault.

Personal accident cover

provides financial protection in case you sustain injuries following an accident.

EU cover

is available if you frequently travel across the UK border.

Any driver cover

allows anyone (with a valid licence) to drive your vehicle.

Windscreen cover

pays for repair or replacement of damaged/broken windscreens. This may be included in fully comprehensive insurance but is usually available as an add-on for TPO and TPFT.

Car key cover

can be added to your policy and covers the cost of replacing lost keys.

Guaranteed asset protection (GAP) cover

covers the outstanding finance you owe on your car if it is written off (i.e. declared a total loss) after an accident.

Car modification insurance

for young drivers gives you peace of mind knowing any modifications done to your vehicle (e.g. sound system, alloys, etc.) are covered over and above your standard policy.

How Much Does Young Driver Insurance Cost?

Insurance TypeAnnual Cost (£)
Third Party Only (TPO) £848
Third Party, Fire and Theft (TPFT) £945
Comprehensive£873
Age GroupAverage Annual Cost (£)
17 years old £1612
18 years old£1845
19 years old £1709
Note: Some insurance premiums may even reach up to £2116
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How Can You Get Cheap Car Insurance Premiums??

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How To Compare Young Driver Car Insurance Quotes With SimplyQuote

Comparing and finding cheap car insurance for young drivers with SimplyQuote is quick and easy:

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Provide your personal and vehicle details online.

Choose policy extras

Choose which additional cover you want to include.

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Frequently Asked Questions

What is young drivers’ insurance?

Insurance for young drivers is a type of car insurance policy specifically designed for drivers under the age of 25 in the UK.

What are the cheapest cars to insure for young drivers?

The cheapest cars to insure are:

  • Fiat Panda = £598
  • Volkswagen Up! = £613
  • Skoda Citigo = £628
  • Peugeot 107 = £640

Please note, that these prices are estimates and may vary between different insurance groups.

At what age is car insurance the cheapest?

The cheapest car insurance is generally between the ages of 35 and 55. Younger drivers are statistically prone to be involved in more motorcar accidents when compared to older, more experienced drivers.