As a new driver, your first insurance quotes can feel expensive, even if you're not "young". Insurers often price higher when you have limited driving and policy history, but costs can vary a lot between providers.
Reviewed by MySupermarketCompare Editorial Team
This page is for UK drivers who are getting insured for the first time, including:
If you're still on a provisional licence and learning to drive, you'll need learner driver insurance first. Once you pass your test, comparing quotes is usually the quickest way to see real options based on your details. If you need short-term cover to borrow a family car or try a vehicle before committing, temporary car insurance can be a flexible option. For step-by-step guidance on setting up your first policy, check our first-time car insurance page, which covers what to expect when you have no previous policy history.
First-time quotes are often higher because insurers have less data to assess risk. Common factors include:
The good news: prices can differ significantly between insurers for the same details, so comparison can help. If you're aged 17-25, our young drivers insurance page has additional tips. If affordability is a priority, explore strategies to find cheap car insurance. Students at university or college should check our student car insurance guide for term-time specific advice.
If you're a new driver in a specific age bracket, pricing and options can vary. See our age-specific pages for targeted advice:
Pricing varies, but these factors often matter most:
Your age and how long you've held your licence.
The car's insurance group, engine size, and repair costs. Check your insurance group before buying.
Where you live (postcode) and where the car is kept overnight.
How many miles you expect to drive and how you'll use the car (social only vs commuting).
Cover type and excess amount you choose.
Any claims, points, or convictions on your record. If you have penalty points on your licence, this will affect your quote. New drivers with convictions should explore specialist convicted drivers insurance options.
Being accurate is important. Incorrect details can cause issues later.
Smaller engines and lower insurance groups can help.
Some new drivers can access more competitive quotes depending on how the policy is set up.
A low premium with a very high excess may not be practical.
Small changes (mileage, parking, usage) can affect price. Keep everything truthful.
Focus on total cost and what's included, not just the headline price.
Start your quote online now and view options available from UK providers.
Start a Quote in 2 Minutes →This page was created to help UK drivers understand new driver car insurance, what commonly affects pricing, and what to check when comparing options. It is reviewed for clarity and updated as needed to stay accurate and useful.
MySupermarketCompare is an insurance comparison website. We introduce customers to our quote partner to help them compare insurance options. Information on this page is general and is not financial advice. MySupermarketCompare.com is an Introducer Appointed Representative (IAR) of Seopa Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA FRN 313860). The insurance comparison service is provided by Seopa Ltd. Always read policy terms and conditions before purchasing. Individual outcomes and premiums vary based on personal circumstances.
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