Car Insurance for 21 Year Olds (UK)

Car Insurance for 21 Year Olds (UK) — Compare Quotes in Minutes

At 21, some drivers find insurance becomes more manageable — but prices can still vary a lot between providers. Your car, postcode, mileage, how you use the vehicle, and policy details all influence the quote 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
✓Overnight parking (street/drive/garage)

Who This Page Is For

This page is for UK drivers aged 21 (and anyone helping them) who want to:

compare quotes quickly and safely
understand what typically affects pricing at 21
reduce premiums using truthful, practical steps
choose cover that fits their needs

Compared to drivers at 20, some see gradual price improvements with added experience. As you approach age 22, this trend typically continues.

What Affects the Price at 21?

Insurers often consider:

how long you've held your licence and driving history
the car's insurance group, value, and repair costs
postcode, overnight parking, and local claim history
annual mileage and commuting
cover level, excess, and policy extras
any claims, points, or convictions

Because insurers price risk differently, comparing can help you see a wider range of options. For additional guidance, check our insurance for young drivers page.

Practical Ways to Reduce Costs at 21

1. Choose a car that's cheaper to insure

Lower insurance groups and reasonable repair costs can help.

2. Consider a black box (telematics) option

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

3. Keep your details accurate and consistent

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

4. Review cover and excess carefully

Make sure the excess is affordable if you had to claim.

5. Compare policy features, not just headline price

Look at what's included, exclusions, and how claims are handled.

6. Check if you need temporary cover

If you only need short-term insurance, comparing temporary options can sometimes be more cost-effective.

⚠️ Important:

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

FAQs: Car Insurance for 21 Year Olds (UK)

Is insurance usually cheaper at 21 than 20?

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 cover types can help.

Do black box policies still help at 21?

They can for some drivers, depending on the provider and policy terms.

Does where I park overnight matter?

It can. Street parking vs driveway/garage can affect risk and pricing for some insurers.

What if I only need temporary cover?

Some providers offer short-term options. Comparing can help you see what's available for your details.

What information do I need to compare quotes?

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

Can I reduce costs 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.