Car insurance for 18-year-olds

Find out the average cost of car insurance for an 18-year-old based on the specific model version and the driver's location.

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If you’re 18 years old, it’s going to well worth your time searching for the best car insurance deal. That’s because car insurance policies for 18-year-olds are going to be eye-wateringly expensive. As such, the difference between the best deal and an average one could total hundreds of pounds. This guide on car insurance for 18-year-olds will make it easier for you to locate the best deal.

Why is car insurance more expensive for 18-year-olds?

Car insurance companies use several factors to calculate the likelihood a customer making a claim on their policy, and the customer’s age is one of the most prominent of these factors. The amount of years since they last made a claim is another one.

The youngest drivers are historically the most likely to make a claim, and they will not yet have had the opportunity to build a no-claims bonus.

That’s why they’ll pay more for car insurance than older drivers.

What types of insurance are available to 18-year-olds?

The main types of car insurance are: comprehensive, third-party fire and theft, or third-party only. These are available to 18-year-olds, just as they are to all ages.

However, younger drivers may also be able to add telematics to their car insurance policy to lower the cost of their premium.

With a telematics car insurance policy, the driver will add a ‘black box’ to their vehicle, which tracks your driving and reports its findings back to the insurer. This way, safe drivers have a way of proving that they can be trusted not to make a claim.

However, if you’re proven to be an unsafe driver, your premium could rise.

Cheapest cars to insure for a 18-year-old

In this table, you’ll discover the cheapest cars to insure for the average 18-year-old.

MakeModelAgeAverage price-
Ford Fiesta1.1L Zetec Ti-VCT 5dr18£1915Get Quote
SEAT Ibiza1.0 TSI XCELLENCE 5dr18£2142Get Quote
Hyundai i101.0 Se 5dr Hatchback 18£1734Get Quote
Volkswagen Polo1.2 S 5d18£1676Get Quote
Toyota Aygo1.0 VVT-i X-Press 5dr18£2090Get Quote
Peugeot 1081.2 PureTech Allure 5dr Petrol Hatchback18£2234Get Quote
Citroen C11.2 PureTech Flair 5dr18£1984Get Quote
Skoda Fabia1.0 MPI 75 Colour Edition 5dr18£1794Get Quote
Dacia Sandero1.0 SCe Ambiance 5dr18£1854Get Quote
Vauxhall Corsa1.4i ecoTEC Design 5dr18£1976Get Quote
Vauxhall AdamENERGISED 1.2 3dr18£2190Get Quote
Kia Rio1.0 T-GDi 2 5dr18£2090Get Quote
Renault Twingo0.9 TCE Iconic 5dr18£2090Get Quote
Ford KA1.2 85 Zetec 5dr18£1794Get Quote
Volkswagen UP1.0i Up 5dr18£1915Get Quote

Average insurance cost for a 18-year-old

To provide you with an idea of how much it may cost for an 18-year-old to insure a car, we ran several quotes to find an average figure. Based on our results, we suspect an 18-year-old could insure their car with a comprehensive policy for an annual sum of £2090.

Average insurance cost for a 18-year-old by location

There are a large range of factors that affect the cost of your car insurance premiums, one of the biggest being your location.

To show the potential impact of an 18-year-old’s postcode, here are some average quotes for a 18-year-old living in three different locations. The quotes are for a Citroen 1.0i VT 5d.

  • Cheap: £1457 (Truro, TR8)
  • Average: £1794 (Chester, CH1)
  • Expensive: £2223 (London, E10)

What other costs are involved in getting your first car?

As if raising the cash to insure their car wasn’t enough, 18-year-olds will also need to make sure they have the money available to cover the following costs.

  • Petrol. You’ll need to keep the petrol tank full.
  • Car tax. The amount you’ll pay is based on your choice of vehicle, its emissions and when it was registered. It’s also known as vehicle excise duty.
  • MOT. Once your vehicle is more than three years old, you’ll need to pay for an MOT test every year. In this test, a licensed mechanic will check that the vehicle meets the minimum legal standards for road safety and environmental friendliness.
  • Servicing and maintenance. As a vehicle ages, you’ll inevitably have to pay for maintenance. Your MOT test will identify what maintenance jobs are required.
  • Repairs. If your car needs repairs, you can make a claim on your insurance, so your insurer funds the costs. However, as this impacts your no-claim bonus, you might prefer to front cheaper repairs yourself.

How can 18 year-olds save on their car insurance?

  • Choose a cheaper car. Cheaper cars cost less to replace or repair when damaged or stolen. That’s why they typically cost less to insure.
  • Add a named driver. If you add a more experienced driver onto your policy, insurers will often reduce your premium.
  • Take your “Pass Plus” course. This course teaches newly-qualified motorists how to navigate more advanced aspects of driving, including driving on the motorway or at night. You’ll get a certificate for completing the course, and a lot of insurers will offer a discount on your premium as a reward.
  • Increase your voluntary excess. Most insurers will cut your premium if you agree to cover more of your insurer’s potential costs with a larger excess.
  • Add additional safety measures. By installing extra safety measures, you reduce the likelihood of making a claim on your car insurance. That’s why most insurers are happy to reduce your premium when you do so.
  • Avoid unnecessary modifications. Teenagers tend to be among the biggest fans of unnecessary modifications such as a spoiler or an expensive sound system. Sadly, these can send your premium skyrocketing, so they should be avoided if you’re trying to keep costs down.

The bottom line

Buying car insurance can be daunting for an 18-year-old, but it doesn’t have to break the bank. Using the tips in this guide, most teenagers will be able to find an affordable car insurance policy.

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