Car Insurance for 19 Year Olds (UK)

Car Insurance for 19 Year Olds (UK) — Compare Quotes in Minutes

At 19, you may have built a bit more driving history — but prices can still vary widely. Your car, postcode, mileage, how you use the vehicle, and the insurer's pricing model can all change the quote you see.

Reviewed by MySupermarketCompare Editorial Team

✓ Compare options from UK insurers in minutes✓ No obligation — check options anytime✓ Start your quote online now

Compare 19 Year Old Quotes →

What you'll need to start a quote

✓Vehicle details (registration or make/model)
✓UK postcode
✓Approx annual mileage
✓Whether you want to add a named driver (yes/no)

Who This Page Is For

This page is for UK drivers aged 19 (and parents/guardians helping them) who want to:

compare quotes quickly and safely
understand what typically affects pricing at 19
reduce premiums using truthful, practical steps
choose cover that fits their needs

While pricing remains elevated compared to older drivers, some notice gradual improvements from age 18 as they build experience. Progression to age 20 continues this trend.

What Affects the Price at 19?

Insurers commonly look at factors like:

how long you've held your licence
the car's insurance group and repair costs
where you live (postcode)
annual mileage and whether you commute
where the car is kept overnight
cover type and excess
any claims, points, or convictions — accumulating 12 points results in a totting-up ban (TT99)

Because providers assess risk differently, comparing is often the quickest way to see a range of options. For more general advice, check our help for younger drivers.

Practical Ways to Reduce Costs at 19

1. Choose a car that's cheaper to insure

Lower insurance groups and reasonable repair costs can help.

2. Consider a black box (telematics) policy

Some drivers can access more competitive quotes depending on provider and terms.

3. Review named driver options carefully

Adding an experienced named driver can sometimes help, but only if details are accurate and you are still correctly listed as the main driver when that's the case.

4. Compare cover types and check excess amounts

A low premium with a very high excess may not suit your situation.

5. Keep all details accurate

Mileage, address, job title, usage, and modifications should be declared truthfully.

6. Build your no claims bonus (NCB) over time

If you avoid making claims, you can build a no claims bonus which may help reduce future premiums depending on provider terms.

⚠️ Important:

Never list someone else as the main driver if it isn't true. "Fronting" can invalidate insurance.

FAQs: Car Insurance for 19 Year Olds (UK)

Is car insurance usually cheaper at 19 than 18?

It can be, especially if you've built more driving history, but it depends heavily on your car, postcode, mileage, and insurer.

Is fully comprehensive always more expensive?

Not always. Comprehensive cover can sometimes be competitively priced. Comparing is the easiest way to check.

Do black box policies still help at 19?

They can for some drivers, depending on the provider and terms. It's worth comparing both standard and telematics options where available.

Does adding a named driver reduce the cost?

Sometimes, but it depends on the insurer and the details. Always keep declarations accurate.

Does mileage and commuting matter?

Yes. More miles and commuting can affect risk, which can affect pricing for some insurers.

What information do I need to compare quotes?

Typically your vehicle details, postcode, expected mileage, and driver history.

Can I build a no claims bonus at 19?

No claims bonus usually builds over time if you don't make claims. Rules can vary by provider.

What's the fastest way to check options?

Start a quote journey with accurate details and compare the total cost and cover breakdown.