Car Insurance for 22 Year Olds (UK)

Car Insurance for 22 Year Olds (UK) — Compare Quotes in Minutes

At 22, you may have built more driving experience, but quotes can still vary a lot between insurers. Your car, postcode, mileage, claims history, and policy details all influence the price and cover options you see.

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What you'll need to start a quote

✓Vehicle details (registration or make/model)
✓UK postcode
✓Approx annual mileage
✓Any points or convictions (yes/no)

Who This Page Is For

This page is for UK drivers aged 22 (and anyone helping them) who want to:

compare quotes quickly and safely
understand what typically affects pricing at 22
reduce premiums using truthful, practical steps
choose cover that fits their needs

Building on experience from age 21, pricing often becomes more competitive. Many notice further improvements moving into age 23.

What Affects the Price at 22?

Insurers typically consider:

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

Different insurers may price the same details differently, so comparing can help. For more context, see our young driver insurance options.

Practical Ways to Reduce Costs at 22

1. Choose a car that's cheaper to insure

Lower insurance groups and reasonable repair costs can help.

2. Build and protect your no claims bonus (NCB)

NCB usually builds over time if you don't make claims (rules vary by provider).

3. Review your cover level and excess

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

4. Keep details accurate

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

5. Compare providers and review the full breakdown

Look at total cost and what's included, not just the headline price.

⚠️ Important:

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

FAQs: Car Insurance for 22 Year Olds (UK)

Is car insurance usually cheaper at 22 than 21?

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

Do points or convictions affect quotes at 22?

They can. Insurers may treat convictions differently, so it's important to declare them accurately and compare options.

Is fully comprehensive always more expensive?

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

Does mileage and commuting matter?

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

What if I've had a claim already?

Claims history can affect pricing. Comparing providers can help you see what options are 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.