Cheap Car Insurance For New Drivers Uk – If you can’t wait to get behind the wheel of your first car, the cost of car cover can put a damper on things. Because car insurance quotes for young drivers tend to be more expensive than other age groups. But that doesn’t mean you can’t find a good deal—it’s just about knowing where to look.
To help you get great value for money, quotes from over 50 car insurance companies available on two major comparison sites have been analysed. From here, we’ve got the cheapest comprehensive plans for new, young drivers across major English cities.
Cheap Car Insurance For New Drivers Uk
Young driver car insurance is basically the same as standard car cover, but policies are specifically designed for drivers under the age of 25.
Temporary Car Insurance For New Drivers
When you compare car insurance for young drivers, you can choose from three levels of cover:
We have collected over 50 sample quotes from UK car insurance providers based on an 18 year old male student.
We found the cheapest quotes by some distance, from General Accident (GA) insurance. In fact, our data revealed that GA is about 62% cheaper than the average of all quotes we found and 18% less expensive than the top three cheapest quotes.
It is worth knowing that some of these brands come from the biggest UK car insurance companies in the UK. For example, Common Accident is part of Aviva and both Churchill and Privilege are part of Direct Line. In most cases, you’ll find that these larger parent companies aren’t particularly competitive when it comes to young driver car insurance, but will offer better deals through their subsidiary brands.
The Best Cheap Car Insurance For New Drivers
We’ve listed the 15 cheapest providers of young driver car insurance based on our research, including annual premiums and total excess.
Almost all insurance policies come with an excess. You have to pay this amount if you want to claim. It’s vital that the excess you agree is affordable because if you can’t pay it, your claim simply won’t go ahead.
Keep in mind 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 shop around and compare quotes.*
*Quotes in this article reflect our sample driver data and should be used for informational purposes only.
Cheap Cars To Insure For New Drivers
Our research found that not all quotes were available in all parts of the UK, and a handful of providers simply did not offer young driver car insurance in certain areas. For example, we discovered that young drivers in Manchester were given 45% lower quotes than under-25s in other major cities. You can read more about our findings in our article comparing young driver car insurance costs by area.
Birmingham, Leeds, Sheffield, Bradford, Manchester and Liverpool were the cheapest insurers overall for general accident insurance for young drivers.
Across these cities, the average cost of GA for a young driver was £1,569, around 63% less than the average cost of all insurers in our study. So, if you live in any of these areas, GA may be your best bet for affordable insurance.
However, More Than’s Smart Wheels, Churchill Driveser and Ingenio were also competitive options for young driver car insurance, with the second, third and fourth cheapest average car insurance for young drivers in the North of England respectively.
Cheap Car Insurance For Young Drivers
In most cases, General Accident was also the cheapest car insurance provider for young drivers in the South West and South East of England. For example, in London and Bristol, GA quotes for our young driver example were £1,027 and £991 respectively.
Note that the quotes we collect are based on our sample profile so the cheapest quote for you in your area may not be the same as the cheapest quotes we find. 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 summary of the top three cheapest providers by area.
Insurance for young drivers is expensive and that’s not something that’s likely to change anytime soon. That said, there are ways to keep car insurance costs as low as possible; Here are our tips:
Young Driver Car Insurance
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 on average £200 less a year to insure than the Ford Focus.
To compare how different cars stack up against each other in terms of cost, see our article on What do the most popular vehicles cost to insure in the UK?
Adding a more experienced named driver to your policy, such as your mother, father or other relative, can reduce premiums by up to 50%. Just remember that to get the lowest quote, named drivers should not have any driving convictions or make any recent car insurance claims.
Telematics policies are premium based on the way you drive rather than generic data for your age. If you take out telematics insurance, a device will be fitted to your car and linked to your insurer. The device will collect data on your driving style including speed, acceleration, braking and cornering. Some insurers may also monitor the times of day you drive. If you drive consistently well (based on collected data) you will see premiums drop much faster than standard car insurance policies.
How Much Does Uk Car Insurance Cost?
Fronting is when you take out a policy and say that someone else is the main driver instead of you, in order to get cheaper car insurance. Doing so can be a simple enough mistake but the consequences can be serious. Not only can this void your policy, it is a form of insurance fraud and can lead to prosecution.
As you can tell from the price analysis above, finding car insurance for drivers under £1,000 takes some doing. First, remember the tips listed above to try and get your young driver car insurance under £1,000. Also, take stock of how much you actually plan to drive.
If you don’t drive much, you may find it more cost-effective to buy a low-mileage policy (such as by Miles) or pay for temporary car insurance, which you can buy by the hour, day, week or month.
Note: Temporary (short-term) car insurance is not cost effective if you buy it repeatedly to cover most of the time. This only works if you need scattered cover. Be sure to check the prices and consider how often you’ll need to buy it before going that route
Simple Ways To Save Money On Car Insurance
Temporary car insurance for young drivers is useful if you’re learning, borrowing someone else’s car, driving a new car home or getting cover while you’re home from uni. It can be set up in minutes and does not require a black box.
You can either buy short-term car insurance for young drivers from a company that has one product, or from a broker that has several offers at different price points. For the latter, click the blue button below to get a quote from our partner, Go Shorty They work with household names like LV= and Ageas as well as specialists like Mulsanne and KGM.
If you’re a young driver, it’s especially important to compare van insurance rates before buying. Why? Van insurance is usually more expensive (than car insurance) and young driver insurance is usually more expensive (than more experienced drivers) – combine these two and young van drivers can pay a hefty premium. For short term van insurance for young drivers, you can get a quote from Go Shorty. For long-term cover, compare quotes here.
Many telematics insurers will also insure young drivers without a black box — but it will certainly cost more.
Car Insurance For New Drivers
For example, our research into how much you can save with telematics found that telematics plans were on average 31% cheaper among insurers offering both types of cover to young drivers.
If you really want young driver insurance without a black box, we found that big names like Admiral and Hastings will offer cover. It will cost more if you opt for their telematics cover.
Remember, switching to a telematics plan now doesn’t mean you’ll be tracked forever—it’s only for the time you have that particular policy. And once you get a little older you should be able to find a cheaper rate without telematics. As you can see in our analysis of car insurance costs, rates drop significantly as a young driver gains experience.
To find quotes and work out what a young driver might typically pay for comprehensive car insurance, we sampled 18-year-old male drivers with a full UK license driving a 2015 Ford Fiesta (the UK’s most popular car).
How Much Is Insurance For Young Drivers?
In total, we’ve collected over 300 quotes for drivers living in London, Birmingham, Leeds, Sheffield, Bradford, Manchester, Liverpool, Bristol, Newcastle and Sunderland.
The quotes were based on driving 5,000 miles annually and we opted for a courtesy car, breakdown, personal accident and legal cover. Using our sample quote, we then choose the cheapest