Car insurance for younger drivers can be pricey, but that doesn’t mean you should pay over the odds. Young driver car insurance aims to make car cover for 17 to 24 year olds more affordable. Here at mustard.co.uk we compare car insurance quotes to help you search for a policy for a price that suits your budget.
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What is young drivers insurance?
Young driver insurance is no different from a standard car insurance policy, it offers the same protection as a standard policy. Most young drivers will see prices from £1,000 for their insurance, but by comparing your quotes with mustard.co.uk you will be able to search for a policy that not only suits your needs but your budget as well.
Once you’ve passed your driving test – congratulations! – you will need to buy your first car insurance policy for your car before you can take it out on the road legally. This can be a daunting task for many people and lots of people get put off by the high prices for new drivers. However, taking out a young driver insurance policy is a very simple and easy process.
Here are the 3 most important steps to purchasing your young driver insurance policy:
- Compare: Use a comparison site to find the best deals for your insurance. Here at mustard.co.uk you can get quotes in just 5 minutes.
- Your details: Make sure you have the following details to hand: your age, your job, where you live, where you keep your car, what you use your car for, your annual mileage and your licence number.
- Your policy: Now find the right policy for your needs and your budget! It’s as easy as that. And if you need an extra hand, we are here to help.
How much does car insurance for young drivers cost?
The cost of car insurance varies from person to person and depends on certain circumstances and factors that each insurer will take into consideration. If you are a young driver, you can expect to be paying a higher premium than someone who has been driving for over 10 years.
How to get cheap car insurance for young drivers?
Insurance can be expensive, there’s no getting around that. Finding the most competitive prices will mean shopping around and comparing quotes regardless of the type of policy. Take a look at our car insurance providers here.
When car insurance prices rise, it’s young drivers and new drivers that are likely to feel it most due to already high premiums. Nevertheless, there are ways to avoid paying over the odds for car cover without compromising on protection – for example:
Consider black box insurance: also known as telematics insurance, black box policies use a device to monitor your driving. If you follow the rules of the road and drive consistently safely, you could be rewarded with lower premiums at renewal. It’s effective in cutting costs because your premium reflects your own driving skills rather than basing the price on overall statistics.
Increasing your excess: this is the amount you pay towards an insurance claim and increasing it can lower your overall premium. Just remember, it still needs to be affordable because a claim can’t go ahead until it’s paid.
Choose a car in a low insurance group: all cars belong to one of 50 insurance groups. The higher the number, the larger, more powerful or expensive the car and the pricier it is to insure. The lower the group number, the cheaper the car is to insure. Cars in lower numbered groups (like the VW Polo, Nissan Micra and Vauxhall Corsa) tend to have small engines, usually no more than 1.2L. If you’re considering buying a car, remember that smaller cars are usually cheaper to insure. For some ideas, take a look at our guide to the best cars for new drivers.
Add a named driver: a named driver is someone listed on your insurance policy who can drive your car in addition to you. Adding a more experienced driver can help lower premiums but it’s vital not to name an occasional driver as the main driver to save on cost – doing this is a type of insurance fraud called fronting.
Build up a no claims bonus (NCB): a no claims bonus is money off your premium. You earn the bonus by driving without making a claim on your insurance. One year of claim free driving will give you a year’s NCB; two years of claim free driving gives you two years’ worth of NCB and so on. Also known as a no claims discount, the savings you can make are significant – for example, five years of no claims could cut premiums by as much as 75%.
Things to consider
- Extra charges — some insurers will charge you to amend or update your policy. To avoid expensive surprises, check to see what additional costs there are before you sign up.
- Level of cover — most learner driver policies offer fully comprehensive cover but if you choose a third party only policy because of price, think about whether you can afford to repair the car you’re driving yourself.
- Length of time — it’s difficult to predict how long it might take you to learn to drive but being realistic can help you work out which is the best option for you.
What types of car insurance are there for young drivers?
When considering what type of car insurance you want for your car, it is important to know what each level of cover offers you. Regardless of your age, car insurance is something you must have by law. If you’re caught without it, you could end up with a fine, points on your licence or in some cases, have your licence taken away.
There are three main types of car insurance for young drivers:
This covers other people for injury or damage you cause to them or their property. It also covers you for any damage to your car – even if an accident is your fault.
Third Party Fire And Theft
TPFT covers the cost of injury and damage to other people and their property but will only compensate you if your car is stolen or damaged by fire.
Third Party Only
With TPO policies, only third parties are covered. This means that if you are in an accident other people and their car are covered, but you and your car are not.
Black box insurance for young drivers
One of the most popular car insurance policies with young drivers is a black box policy or a telematics policy. This type of policy could help reduce the cost of your premium, especially if you are a young driver. Young drivers are considered a higher risk as they don’t have much driving experience, but with a black box they are able to show insurers that they have good driving habits.
You are probably wondering what a black box policy is and what it entails. Quite simply, once you have purchased a black box policy, you will have a black box installed into your car. This will record your driving habits, such as speed, braking, acceleration and cornering and send this back to the insurer.
With this data they will be able to tell if you have good or bad driving habits. If you have good driving habits, some insurers may give you a reduction in your premium. However, if you have bad driving habits and continue to drive badly, then you could see yourself with a cancelled policy.
You can find out more about black box insurance and the benefits it has for young drivers here.
Van insurance for young drivers
If you are looking at getting a van, instead of a car, then you will be glad to know that you can get van insurance even if you are a young driver! The premium might be a bit more expensive, but you are able to get the cover you need.
As with standard car and van insurance you will be able to choose from the three levels of cover: fully comprehensive, third party, fire and theft and third party only. Remember that it is a legal requirement to get van insurance.
You can find out more about van insurance for young drivers here.
Car insurance for all ages
Comparing car insurance is a quick and easy way to make sure you’re getting value no matter how old you are. Take a look at our insurance guides to help you find the right policy for you.
- Car insurance for 18 year olds
- Car insurance with a black box
- Car insurance for students
- Car insurance for learner drivers.
Young driver car insurance advice and FAQs
Why is car insurance so high for young drivers?
Car insurance is all about weighing up risk and sadly, statistics show that drivers under 25 are more likely to be involved in a car accident. Those accidents can lead to a rise in claims which insurers need to pay out for – resulting in premium increases for the relevant age groups.
Of course, one of the key reasons why young drivers are at greater risk of collisions, is inexperience. Based on that, you’ll find insurance premiums for drivers aged 17 or 18 can be particularly high with prices coming down slightly for over 21s (although you’ll still pay more than the average).
How do I make a claim on my young driver car insurance?
If you’re involved in an accident involving another person, it’s important to ask for their details; this includes their name, address, contact number and the name of their insurance provider.
If the police are called to the scene of the incident, you should also be prepared to show them your insurance paperwork (it’s a good idea to keep a copy in the glove box).
You’ll then need to call your insurer and give them any relevant details, they’ll let you know any next steps. Your policy documents should include the number you can dial if you need to make a claim.
Do driving courses help lower the cost of insurance?
Once you have passed your test, you will be able to take an advanced driving course to help you improve your driving skills and habits. However, just because you have passed a driving course does not mean that your car insurance will be any cheaper.
In some cases, it will help reduce the cost of your premium if you are a young driver, but it is never guaranteed. One way to help reduce the cost of your insurance is to compare insurance quotes. You can do this in just 5 minutes with mustard.co.uk by filling out our online form.
What is the cheapest car insurance for young drivers?
The cost of your car insurance will depend on a variety of factors, including the car you have and how much experience you have driving. The cost will vary from person to person and what you pay for your car insurance will be different to what your friend is paying for theirs.
Typically, you will find that fully comprehensive cover is cheaper than third party only and third party, fire and theft, although it is always best to compare quotes. is also a good idea to take a look at ways you can reduce the cost of your car insurance with our top tips for young drivers just a little further up the page.
Do young drivers have to pay excess for their car insurance?
Almost all car insurance policies have an excess – this is an amount of money that you need to pay towards a claim. For example, if you made a claim valued at £800 and your excess is £200, you’ll pay the first £200 while your insurer pays £600.
There are two types of excess which need to be paid:
- Compulsory excess – this amount is set by your insurer and is not negotiable. Compulsory excess for young drivers can be much higher compared to drivers in other age categories simply because the risk of a claim is greater.
- Voluntary excess – this is an amount you agree with your insurer. In many cases, increasing your voluntary excess can lower the overall premium. When you compare quotes, you can change the voluntary excess to see how this affects the policy price. Just bear in mind that you’ll need to pay both parts of the excess (compulsory and voluntary) for a claim to go ahead – so check it’s affordable.
Read our full guide to car insurance excess here.
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