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At 20 years old, it’s possible that you’ve racked a couple of years of driving experience. That will help drive down down the cost of your car insurance, but premiums can still be expensive for motorists of this age.
In this guide, we’ll explore how much car insurance is likely to cost for a 20-year-old, and how drivers of this age can lower the costs of their premium.
Insurers will calculate a customer’s premium based on the risk of someone in their demographic making a claim on their policy, among other things.
This is a problem for 20-year-olds because the youngest drivers are historically the most likely to make a claim on their car insurance. Insurers charge them far more to compensate for this added risk.
In the table below, you’ll find a list of the cheapest cars to insure for the average 20-year-old driver.
|Ford Fiesta||1.1L Zetec Ti-VCT 5dr||20||£1606||Get Quote|
|SEAT Ibiza||1.0 TSI XCELLENCE 5dr||20||£1797||Get Quote|
|Hyundai i10||1.0 Se 5dr Hatchback||20||£1454||Get Quote|
|Volkswagen Polo||1.2 S 5d||20||£1406||Get Quote|
|Toyota Aygo||1.0 VVT-i X-Press 5dr||20||£1753||Get Quote|
|Peugeot 108||1.2 PureTech Allure 5dr Petrol Hatchback||20||£1873||Get Quote|
|Citroen C1||1.2 PureTech Flair 5dr||20||£1873||Get Quote|
|Skoda Fabia||1.0 MPI 75 Colour Edition 5dr||20||£1504||Get Quote|
|Dacia Sandero||1.0 SCe Ambiance 5dr||20||£1555||Get Quote|
|Vauxhall Corsa||1.4i ecoTEC Design 5dr||20||£1657||Get Quote|
|Vauxhall Adam||ENERGISED 1.2 3dr||20||£1837||Get Quote|
|Kia Rio||1.0 T-GDi 2 5dr||20||£1753||Get Quote|
|Renault Twingo||0.9 TCE Iconic 5dr||20||£1753||Get Quote|
|Ford KA||1.2 85 Zetec 5dr||20||£1657||Get Quote|
|Volkswagen UP||1.0i Up 5dr||20||£1605||Get Quote|
To provide an estimate of how much it may cost a 20-year-old to insure a car, we ran several quotes to find an average figure. Based on our results, we found a 20-year-old can expect to buy a comprehensive policy for an annual sum of 1873.
There are many factors that affect the cost of your car insurance premiums, including your location.
To show the potential impact of home address, here are some average quotes for a 20-year-old living in three different locations. The quotes are for a Dacia Sandero 1.0 SCe Ambiance 5dr.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
Here are some other costs that motorists need to find the funds for:
Although car insurance can be costly for 20-year-olds, there are plenty of things they can do to lower their premiums.
Find out the average cost of car insurance for 18 year olds.
Find out how much car insurance costs for a 19 year old.
Find out the average cost of car insurance for a 17-year-old, the cheapest cars to insure and how to cut down your insurance premium as a young driver.
We’ve compared and rated the best car insurance for young drivers on a number of specific policy features and benefits that are relevant to younger drivers.
read our guide to getting the cheapest car insurance deal possible as a younger driver. Plus compare car insurance quotes from some of the cheapest companies.
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