Car Insurance for 24 Year Olds (UK)

Car Insurance for 24 Year Olds (UK) — Compare Quotes in Minutes

At 24, you may have built more driving history — but insurers can still price the same details very differently. Your car, postcode, mileage, cover level, and payment choice can all affect 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
✓Cover start date (approx)

Who This Page Is For

This page is for UK drivers aged 24 (and anyone helping them) who want to:

compare quotes quickly and safely
understand what typically affects pricing at 24
reduce premiums using truthful, practical steps
choose cover that fits their needs

As you approach 25, pricing often becomes more competitive compared to age 23 and earlier years. Many see further improvements after turning 25.

What Affects the Price at 24?

Insurers commonly consider:

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

Comparing quotes is often the quickest way to see options based on your details. For broader guidance, see our young driver insurance guide.

Practical Ways to Reduce Costs at 24

1. Choose a car that's cheaper to insure

Lower insurance groups and reasonable repair costs can help.

2. Consider how you want to pay (monthly vs annually)

Paying monthly can sometimes cost more overall depending on how payments are arranged.

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

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

4. Review cover and excess

A lower premium with a very high excess may not be practical.

5. Compare providers and read 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 24 Year Olds (UK)

Is car insurance usually cheaper at 24 than 23?

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

Does paying monthly cost more overall?

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

Is fully comprehensive always more expensive?

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

Does my postcode still matter at 24?

Yes. Postcode is a major rating factor for many insurers.

What if I've had a claim or points?

Claims and points can affect quotes. It's important to declare them accurately and compare options.

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.