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Getting car insurance as a young driver in the UK can feel daunting -premiums tend to be higher for drivers aged 17 to 25 due to the increased risk associated with inexperience. But understanding what affects your quote and knowing your options can help you make informed decisions about your cover.
This guide explains why young driver insurance costs what it does, what factors influence your premium, and practical steps you can take to potentially reduce your costs. If you're at university or college, our student car insurance guide covers term-time address changes and parking considerations.
Insurance premiums are calculated based on risk. Statistically, young and newly qualified drivers are more likely to be involved in road accidents. Many young drivers start with learner driver insurance or temporary learner cover during their provisional licence period. According to government data, drivers aged 17-24 are significantly overrepresented in road collision statistics relative to other age groups.
This isn't a judgement on individual driving ability -it's a reflection of how insurers assess risk across large groups of drivers. As you gain experience and build a claims-free record, your premiums typically decrease over time. If you need temporary car insurance for borrowing a car or short-term cover, we have a dedicated guide. For 18-year-olds specifically, see temporary insurance for 18 year olds.
Younger drivers typically pay more. Premiums often start to decrease noticeably from around age 25, assuming a clean driving record. Learn more about car insurance for drivers over 25.
Cars in lower insurance groups (1-10) are generally cheaper to insure. Engine size, value, and repair costs all play a role. Use our insurance group checker to find your car's group.
Your postcode affects your premium. Areas with higher crime or accident rates typically have higher insurance costs.
The more you drive, the higher the risk of an incident. Lower annual mileage can sometimes help reduce your premium.
Any previous claims, convictions, or penalty points will affect your quote. A clean record works in your favour. For guidance on car insurance with points on your licence, we have a dedicated page. If you have a conviction, check our page on cover for drivers with convictions.
Third party only is the minimum legal requirement. Comprehensive cover costs more but provides broader protection.
Insurance costs and options can vary significantly depending on your exact age. For targeted advice on what affects pricing and how to compare quotes at your age, see:
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Get Car Insurance Quotes →Black box or telematics policies monitor your driving and can reward safe behaviour with lower premiums. This can be particularly useful for young drivers wanting to demonstrate responsible driving habits.
Opting for a vehicle in a lower insurance group can make a significant difference. Generally, smaller engines and less powerful cars fall into lower groups. If you're considering a car with modifications, be aware that this can affect your insurance options and pricing.
Each claim-free year earns you a discount on future premiums. This accumulates over time and can result in substantial savings. If you're taking out your first car insurance policy, you'll start building this bonus from year one.
Paying for your insurance in one annual payment is usually cheaper than monthly instalments, which often include interest charges.
A higher voluntary excess (the amount you pay towards a claim) can reduce your premium. However, ensure you can afford to pay it if you need to make a claim.
Don't automatically renew -comparing quotes each year ensures you're seeing what options are available in the current market. For more tips, see our guide on ways to get cheaper car insurance.
This guide was written by the MySupermarketCompare editorial team to help young drivers understand car insurance in the UK. We've drawn on publicly available information from the DVLA, industry guidance, and general insurance principles.
Our goal is to provide clear, factual information to help you make informed decisions. We do not provide personalised financial advice -always consider your own circumstances and read policy documents carefully before purchasing insurance.
See what options are available for young drivers in the UK.
Get Quotes Now →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. We do not provide financial advice. The information on this page is for general guidance only and should not be relied upon as a recommendation. Insurance premiums vary based on individual circumstances -always read the policy terms and conditions before purchasing. Past performance or general statistics do not guarantee future results or specific outcomes for any individual.
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