Car Insurance for 20 Year Olds (UK)

Car Insurance for 20 Year Olds (UK) — Compare Quotes in Minutes

At 20, you may have a bit more driving history — but prices can still vary widely between insurers. Your car choice, postcode, mileage, cover type, and how you pay can all affect the quotes you see.

Reviewed by MySupermarketCompare Editorial Team

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What you'll need to start a quote

✓Vehicle details (registration or make/model)
✓UK postcode
✓Approx annual mileage
✓Cover start date (approximate)

Who This Page Is For

This page is for UK drivers aged 20 (and parents/guardians helping them) who want to:

compare quotes quickly and safely
understand what typically affects pricing at 20
reduce premiums using truthful, practical steps
choose cover that fits their needs

As you progress from age 19, pricing may improve gradually with more experience. Moving towards age 21 often continues this trend.

What Affects the Price at 20?

Insurers look at:

how long you've held your licence
the car's insurance group and repair costs
postcode and overnight parking
annual mileage and whether you commute
cover type and excess
claims history, points, or convictions
payment method (annual vs pay monthly)

Because providers price risk differently, comparing is often the quickest way to see a realistic range of options. See our young driver car insurance page for more guidance.

Practical Ways to Reduce Costs at 20

1. Choose a cheaper-to-insure car

Lower insurance groups and reasonable repair costs can help.

2. Consider a black box (telematics) policy

Some drivers get more competitive pricing depending on provider and terms.

3. Compare annual vs pay monthly

Monthly payments can sometimes cost more overall, depending on the provider's payment arrangement.

4. Choose an affordable excess

Don't select an excess you couldn't realistically pay if you needed to claim.

5. Keep all details accurate

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

⚠️ Important:

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

FAQs: Car Insurance for 20 Year Olds (UK)

Is car insurance cheaper at 20 than 19?

It can be, but it depends on your car, postcode, mileage, and insurer. Comparing is the simplest way to see your own range.

Is fully comprehensive always more expensive?

Not always. Comprehensive cover can sometimes be competitively priced. Comparing different cover types can help.

Does paying monthly cost more overall?

It can. Monthly payments may include additional costs depending on the payment arrangement.

Do black box policies still help at 20?

They can for some drivers, depending on the provider and policy terms. It's worth comparing if you're looking to reduce costs.

Does my cover start date matter?

It can. Some start dates can affect pricing depending on the provider, so it's worth checking.

What information do I need to compare quotes?

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

Can I reduce the cost by changing cars?

Often, yes. Cars in lower insurance groups can be cheaper to insure.

What's the fastest way to check options?

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