Best car insurance for young drivers in the UK right now

If you're a new or young driver in the 17–25 age bracket, we've compiled a list of some of the best car insurance policies out there for young drivers.

Posted

Fact checked
Picture not described

Best overall provider for younger drivers

Finder's pick: Hastings Direct car insurance


Optional breakdown cover

Multi-car discount

24/7 claims helpline
This insurer offers a range of affordable policies especially for 17- to 25-year-olds. On top of that, it offers black box insurance discounts for multi-car policies. There’s a range of add-ons including breakdown cover and car key insurance, making it easy to tailor your policy to suit your needs.
  • Windscreen and windows glass cover included as standard in the Direct and Premier comprehensive policies.
  • Hastings Direct has Multi-car and Telematix cover options and cover is available to new and young drivers.
  • The claims team is available 24/7.
  • There isn’t a lot of information about the third party, third party, fire and theft or the Essential comprehensive policies available prior to quote stage.
  • The Hastings Direct website is not easy to navigate.
Roadside assistance Optional extra
EU Coverage Optional extra
No claims protection Optional
Multi-car-discount Yes
Courtesy Car Yes
Claims Methods Email or phone
Personal Accident Protection Optional

Best provider for cheaper rates

Finder's pick: LV car insurance


Discounts for new customers

24/7 claims helpline

Multi-car discount
We analysed the average quotes offered to a range of different age groups and concluded that LV= tends to offer competitive insurance quotes across the board. This insurer offers multi-car discounts (up to 20% on an additional vehicle), plus you can often lower your premium by adding a voluntary excess. LV= also covers European use, damage by uninsured drivers, vandalism and accidental damage as standard with its over-50s policies.
  • Insurance provider offering a range of car insurance policies for standard, classic and electric cars.
  • Multi-vehicle insurance available.
  • A range of optional extras to enhance car cover.
  • Claims line is open 24/7.
  • A change in vehicle or named drivers may result in an administration fee.
  • Terminating a policy within or after the 14-day cooling-off period will result in a £40 cancellation fee.
Roadside assistance Optional extra
EU Coverage Yes
No claims protection Optional extra
Multi-car-discount Yes
Courtesy Car Optional extra
Claims Methods Online or phone
Personal Accident Protection Yes

Best provider for young driver benefits

Finder's pick: Endsleigh car insurance


No curfews

Regular driving feedback

Easy black box installation
This insurer only offers car insurance to customers aged between 17 and 30, so its policies are understandably designed to suit younger drivers. It has policies tailored for learner drivers, students and new drivers, among others. Its features include black box insurance and finance deals for brand new cars.
  • You can receive 20% off MOT costs and 10% off servicing with comprehensive and third party policies.
  • Replacement car included as standard on comprehensive policies.
  • Affordable insurance for new and young drivers.
  • You will be subject to admin fees for the setting up and cancelling of your policy, as well as any changes you make.
  • Policy information is not easily accessible.
Roadside assistance Optional extra
EU Coverage Yes
No claims protection Yes
Multi-car-discount Yes
Courtesy Car Yes
Claims Methods Online or phone
Personal Accident Protection You or your partner are covered up to £2,000 per person.

Best provider for Black Box insurance

Finder's pick: Churchill car insurance


Discounts for good driving

24/7 emergency helpline

Courtesy car as standard
Churchill's "DriveSure" telematics policy is available for 17- to 25-year-olds. You'll be guaranteed a discount on your premium with your first year of using this technology. It's one of the most affordable, intelligent and fair black box car insurance policies on the market. You'll be able to see your driving score on the DriveSure app – and will be able to claim another discount in the next year if your score is high.
  • Uninsured driver promise.
  • If your car is vandalised and you have a crime reference number, you won’t lose your no claims discount.
  • Access to a 24/7 legal advice helpline.
  • Telematics cover, called DriveSure, available.
  • No 24/7 claim line (emergency line available).
  • No third party only cover available.
Roadside assistance Optional
EU Coverage Yes
No claims protection Minimum 4 Years of NCD for it be protected
Multi-car-discount Yes
Courtesy Car Yes
Claims Methods Online or phone
Personal Accident Protection Cover you or your partner up to the benefit amount outlined in your insurance agreement

Top 5 car insurance providers for young drivers

  1. Hastings Direct We rate Hastings Direct as the best overall provider of car insurance for young drivers. It has created a range of competitively priced policies aimed specifically at younger motorists.
  2. LV= – This insurer has been doing business in the UK since 1843. It’s well-known for offering competitively priced premiums, particularly to younger drivers.
  3. Churchill Churchill has rightfully gained a reputation for providing in-depth car insurance, covering you in a variety of situations, with plenty of add-ons available at affordable prices. This is particularly true for younger motorists. We found its black box car insurance policies to be particularly enticing.
  4. Endsleigh Endsleigh is well-known for catering for new and young drivers with specific black box and learner driver policies. It offers 90 days of European cover as standard and you can start building up a no claims discount as a learner driver.
  5. Marmalade – This insurance company was formed in 2006 with a goal to provide better car insurance for younger motorists. Its policies are only available to those aged under 30. It tailors its policies specifically to the needs of this market.

Other companies that include car insurance for younger drivers

  • Admiral – This insurer offers tailored policies for learner drivers and new drivers. It is well-known for its enticing multi-car deals.
  • Bell – Bell is part of the Admiral group. Its black box car insurance could be particularly noteworthy to younger drivers, as it only requires the telematics technology to be fitted for three months.
  • Direct Line Direct Line is well-known for offering competitive car insurance policies and great customer service. This insurer won’t be found on price comparison websites, so you will need to contact Direct Line directly for a quote.
  • Tesco Bank – Tesco Bank is another insurer offering black box insurance. It also offers car insurance policies tailored for students, plus noteworthy discounts for those who have a more experienced named driver on their policy.

    Why these are the top 5 providers for young drivers

    Car insurance policies for younger drivers can vary hugely in costs with different factors to account for such as the insurance group the car falls under, the driver’s experience, the driver’s age and the location.

    To score the top five, we’ve taken into account a number of different factors that are relevant to younger drivers such as the discounts available, the age bracket the policies cater for and any specific benefits that are catered to young drivers.

    Also, with customer service being a vital aspect in any insurance policy, we’ve included our customer satisfaction score as part of the weighting and this helps make up the final score. For our customer satisfaction score, we asked hundreds of car insurance customers to rate their insurer and we used that data to help compile our top five.

    How to find the best cheap car insurance for young drivers

    • Shop around. You could easily save hundreds per year by using price comparison services to find the best deal.
    • Choose your vehicle sensibly. The value of your vehicle plays a huge role in how much insurers will charge you. That’s why it’s recommended for young motorists to drive a low-cost vehicle during their first years on the road. Modifications can also send premiums skyrocketing, so these should also be avoided by young drivers looking to cut insurance costs.
    • Complete Pass Plus training. Pass Plus covers elements of driving that aren’t covered before your driving test, such as motorway driving and night driving. Many insurers offer cheaper premiums to young drivers who have completed this training.
    • Add yourself to a multi-car policy. Insurers tend to offer discounts to households that ensure more than one vehicle with them.
    • Add a named driver. Adding a more experienced driver onto your policy as a named driver can often cut the cost of your premium.
    • Increase your excess. Your insurer may be willing to reduce your premium if you’re willing to pay out more when making a claim.
    • Consider black box insurance. A “black box” (also known as a telematics device) uses GPS to monitor your vehicle and inform your insurer whether you’re a safe driver. A few insurers will grant young motorists a discount on their premiums if they install this technology within their vehicle.

    Companies that offer black box insurance for new drivers

    Black box technology has been available for many years now. Yet, there are still a limited number of insurers offering this technology to new drivers. See our guide on black box insurance for a full list of companies offering it.

    We took a deeper look at all of the major insurers’ policies for young drivers in order to create this list of the best car insurance companies for young drivers.

    Cost of car insurance for younger drivers

    There are number of factors determining the cost of a car insurance premium other than age. However, it is true that younger drivers tend to be charged more due to the higher risk of them getting into an accident. Statistically, this has been proven. Data also proves that they’re more likely to get into serious accidents.

    Statista conducted a study in 2019 that suggested that a 20-year-old motorist can expect to pay £851 per year for their car insurance. This figure was based on the average of the top 5 cheapest quotes offered to a 20-year-old with 2 years of driving experience and no previous claims on their insurance, driving a brand new Ford Fiesta (the most popular car in the UK in 2019).

    The data suggests that younger drivers with less experience can expect to pay even more than this.

    Best cars for cheap insurance for young drivers

    All vehicles are categorised based on their “risk” to insurers. This risk factor mostly considers the likelihood of a car being damaged and the cost of replacing it. There are 50 categories in total, with category 1 cars being the cheapest to insure and category 50 vehicles costing the most.

    For your convenience, we have compiled a complete list of vehicles in insurance category 1.

    Compare the best car insurance for young drivers

    Data indicated here is updated regularly
    Name Product Available Cover Details Link
    Hastings Direct
    Third party fire and theft and comprehensive
    Windscreen and windows glass cover included as standard in Direct and Premier cover.
    Cover for new and young drivers available.
    Compare now
    LV= Comprehensive
    Third party only, third party fire and theft and comprehensive
    Replacement lock cover, misfuelling and accident cover and lifetime guarantee on eligible repairs*
    Multi-car discount available
    Get a quote
    Endsleigh Comprehensive
    Third party only, third party fire and theft and comprehensive
    Endsleigh Business Insurance Services is a trading name of Endsleigh Insurances (Brokers) Limited.
    24-hour windscreen and glass cover.
    Personal accident cover. Theft cover.
    Get a quote
    Marmalade car insurance
    Comprehensive
    Fully comprehensive cover for drivers with a provisional licence, learner drivers aged 17-34 and private practice in someone else's car.
    Tesco Bank Car Insurance
    Third party fire & theft, Tesco box insurance and comprehensive
    Tesco Bank Car Insurance is arranged and administered by Tesco Bank and is underwritten by a select range of insurers. Your insurer will be named on your policy schedule and certificate of motor insurance.
    Compare quotes
    Admiral Comprehensive
    Third party only, third party fire and theft and comprehensive
    Courtesy car and windscreen repair included.
    Unlimited cover for standard audiovisual equipment.
    Get a quote
    Churchill Comprehensive
    Third party only, third party fire and theft and comprehensive
    Replacement, upgrade or the money in case of write-off.
    Vandalism and uninsured driver promise. Multi-car options and discounts available.
    Compare providers
    loading

    Compare up to 4 providers

    Our 2020 customer satisfaction league table

    We asked policy holders to rate their satisfaction with their insurance company and whether they’d recommend it to a friend. We’ve shown both for each brand in the table below. Our independent survey of 750 insurance customers was carried out in December 2019.

    Overall satisfaction Customers who’d recommend Issuer Review
    ★★★★★ 91% Picture not describedaviva logo The largest general insurer in the UK and our top prize winner, Aviva has three levels of comprehensive cover to choose from, as well as third party and third party, fire and theft cover. This might sound confusing, but customers in our survey praised the easy application process and good service. View deals
    ★★★★★ 81% SAGA logosaga logo Saga offers specialist tailored cover for drivers over the age of 50, with a minimum age of 45 (you must have at least one named driver over the age of 50 on the policy to qualify). Customers reported friendly service and a good level of cover. View deals
    ★★★★★ 75% Picture not described While less of Direct Line’s customers said they would recommend the service, the strength of its policies pushed its overall score up. Customers surveyed called the products on offer competitive and the service helpful. View deals
    ★★★★★ 87% Marmalade logo As Marmalade only offers cover to drivers up to the age of 30, it didn’t quite make our top 10. However, the service did very well in our survey, with customers calling it easy to use and praising the competitive prices. View deals
    ★★★★★ 84% Picture not described Sheilas’ Wheels started life as a female-only car insurance provider, but now offers cover to both men and women, with a focus on benefits to appeal to women and parents. The service was said to be helpful and efficient by customers. View deals
    ★★★★★ 83% churchill logo Most people would be aware of Churchill, largely because of its nodding dog. Love or hate those ads, customers called the service provided by Churchill reliable and helpful. Some were impressed by the claim handling process. View deals
    ★★★★★ 82% LV= logo As well as standard car insurance, LV= also offers cover for electric and classic cars. Its comprehensive cover includes windshield damage and replacement locks. It was considered good value by customers in our survey. View deals
    ★★★★★ 77% Picture not describedhastings direct home insurance Hastings Direct’s two main cover options are Direct and Premier. The company also offers Essential comprehensive cover, as well as third party and third party, fire and theft, but there’s not a lot of information available on those. View deals
    ★★★★★ 76% Picture not describedAdmiral-logo As one of the most well-known insurers in the UK, Admiral offers a range of cover options, including combined a home and car policy, multi-car cover and temporary car insurance. Customers praised the good value cover and helpful staff. View deals
    ★★★★★ 76% Picture not describedage uk insurance The company formerly known as Age UK, Age Co is another over-50s specialist. Like Saga, it also offers cover to younger drivers, but its policies are tailored to those with more experience – in life and on the road. View deals
    ★★★★★ 77% Picture not described Swinton offers three levels of comprehensive cover, as well as third party, fire and theft. All comprehensive options offer decent benefits and the company also caters for young drivers, convicted drivers and those looking for short-term cover. View deals
    ★★★★★ 73% Picture not describedTesco-logo The largest supermarket chain in the UK, Tesco also provides solid car insurance policies. You can choose the Black Box policy for young drivers (17–35) or the standard cover for drivers over 21, which customers reported to be good value. View deals
    ★★★★★ 72% Picture not described Axa’s comprehensive cover comes with a lifetime guarantee on repairs, a courtesy car and protection from uninsured drivers. The company’s claim handling service was said to be quick and efficient by customers in our survey. View deals
    ★★★★★ 71% Picture not described Known mostly as a posh department store, John Lewis also provides a range of financial products. Its comprehensive policy comes with a load of benefits, including misfuelling and vehicle ID theft cover as standard. View deals
    ★★★★★ 69% Picture not describedthe aa logo A staple of the British roads, The AA offers third party, fire and theft cover and a benefit-laden comprehensive cover. AA members get extra perks and customers called the company’s car insurance cover reasonably priced with good service. View deals
    ★★★★★ 65% Picture not describeddiamond logo Diamond is another insurer targeting women drivers. Like Sheilas’ Wheels, it covers men as well, but has benefits such as handbag and child seat cover, which it believes will appeal to women (who are considered lower risk drivers). View deals
    ★★★★★ 64% Picture not described More Than’s comprehensive cover includes windscreen cover and replacement locks. The company also offers a third party, fire and theft policy, as well as cover for young drivers and a decent multi-car discount. View deals

    Car insurance ratings

    ★★★★★ — Excellent
    ★★★★★ — Good
    ★★★★★ — Average
    ★★★★★ — Subpar
    ★★★★★ — Poor
    Our customer satisfaction scores (“Customers say”) are based on a survey of 750 customers carried out in December 2019.

    Bottom line

    Everybody’s circumstances will vary so car cover that might work for you might not work for someone else. Do your research, shop around and compare deals in order to find the best car insurance for you.

    Frequently asked questions

    *Based on independent online research by Consumer Intelligence (March ’20). 51% of car insurance customers could save £285.88.
    The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you.

    More guides on Finder

    • Nissan Almera insurance group

      Find out the average cost of car insurance for a Nissan Almera based on your age and location.

    • Car insurance group 31

      Find out which cars are placed in insurance group 31 and how much it might cost to insure them based on the driver’s age and their location.

    • Mazda 6 insurance group and cost

      Find out the insurance group for your Mazda 6, how much it should cost to insure and how to save on your car insurance.

    • Pay-as-you-go vs temporary car insurance

      Need car insurance for a rarely driven or borrowed car, but not sure which cover to take out? We’ve got the answers, plus pros and cons for each option.

    • Life insurance without a medical

      Contrary to popular belief, you can get life insurance without a health check from your doctor. Find out what’s involved.

    • Car insurance group 47

      Find out which cars are placed in insurance group 47 and the average cost of insurance.

    • Car insurance group 48

      Find out which cars are placed in insurance group 48 and how much it costs to insure them.

    • Car insurance group 50

      Find out which cars are listed in insurance group 50 and how much it might cost to insure them.

    • Car insurance group 49

      Find out which cars are in insurance group 49 and how much it costs to insure them.

    • Car insurance group 46

      Find out which cars are placed in insurance group 46 and how much it costs to insure them.

    Go to site