Car Insurance for 23 Year Olds (UK)

Car Insurance for 23 Year Olds (UK) — Compare Quotes in Minutes

At 23, many drivers have more time on the road — but quotes can still vary significantly between insurers. Your car, postcode, mileage, claims history, and cover choices all influence what you pay.

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What you'll need to start a quote

✓Vehicle details (registration or make/model)
✓UK postcode
✓Approx annual mileage
✓Claims history (yes/no)

Who This Page Is For

This page is for UK drivers aged 23 (and anyone helping them) who want to:

compare quotes quickly and safely
understand what typically affects pricing at 23
reduce premiums using truthful, practical steps
choose cover that fits their needs

Progressing from age 22, many drivers notice more competitive pricing as experience builds. At age 24, you're approaching the 25+ bracket where further improvements often occur.

What Affects the Price at 23?

Insurers commonly consider:

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

Because providers price risk differently, comparing can help you see a broader range of options. You may also find our car insurance for young drivers page helpful.

Practical Ways to Reduce Costs at 23

1. Choose a car that's cheaper to insure

Lower insurance groups and reasonable repair costs can help.

2. Keep your details accurate

Mileage, usage, and modifications should be declared truthfully.

3. Review your cover and excess

Make sure the cover fits your needs and the excess is affordable.

4. Compare providers and read the breakdown

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

5. Consider whether you need temporary cover

If you only need insurance for a short time, some providers offer short-term options depending on your details.

6. Check if a black box (telematics) policy suits you

Some drivers still find telematics policies helpful depending on provider and terms.

⚠️ Important:

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

FAQs: Car Insurance for 23 Year Olds (UK)

Is car insurance usually cheaper at 23 than 22?

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

Does having a previous claim affect quotes?

It can. Claims history may increase pricing, so it's important to declare it 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 commuting affect my quote?

It can. Declaring commuting may change pricing depending on provider and mileage.

Do black box policies still help at 23?

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

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.