Car insurance for 20-year-olds

Find out the average cost of car insurance for a 20-year-old and the cheapest cars to insure.

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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.

Why is car insurance more expensive for 20-year-olds?

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.

Cheapest cars to insure for a 20-year-old

In the table below, you’ll find a list of the cheapest cars to insure for the average 20-year-old driver.

Make Model Age Average price -
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

Average insurance cost for a 20-year-old

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.

Average insurance cost for a 20-year-old by location

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.

  • Cheap: 1235.053885 (Truro, TR8)
  • Average: 1555 (Chester, CH1)
  • Expensive: 1926 (London, E10)

Compare specialist car insurance for 20-year-olds

Name Product Ratings Black box Courtesy car Accident cover Windscreen repair Min age Link Key benefits
Admiral Littlebox
Finder score
★★★★★
★★★★★
User survey
★★★★★
★★★★★
17
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AA Smart Insurance
Finder score
★★★★★
★★★★★
User survey
★★★★★
★★★★★
19
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RAC Black box
Finder score
★★★★★
★★★★★
17
Get a quote
More Than Smart Wheels
Finder score
★★★★★
★★★★★
User survey
★★★★★
★★★★★
17
Get a quote
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Compare up to 4 providers

What other costs are involved for 20-year-old drivers?

Here are some other costs that motorists need to find the funds for:

  • Petrol. New drivers tend to underestimate the cost of keeping the gas tank full.
  • Car tax. This annual tax is also known as vehicle excise duty. Your bill will depend on your choice of vehicle, its emissions and when it was registered.
  • MOT. An MOT test takes place to check your car meets the minimum legal standards for road safety and environmental friendliness. Once your car is three years old, you’ll need to arrange one every year.
  • Servicing and maintenance. You’ll have to pay for the cost of repairs of maintenance as a vehicle ages. An MOT test will identify what maintenance jobs are required.
  • Repairs. If your car needs repairs, you can make an insurance claim, so your insurer covers the costs. However, as this will impact your no-claims bonus, it might be more cost-effective to cover the costs of minor repairs out of your own pocket.

How can 20 year-olds save on their car insurance?

  • Choose a cheaper car. Scroll up to see our list of cheapest cars to insure.
  • Add a named driver. If you add a more experienced driver onto your policy, insurers are often happy to reduce your premium.
  • Take your ‘Pass Plus’ course. This course teaches newly-qualified motorists how to handle some more advanced aspects of driving, such as driving at night or on the motorway. You’ll get a certificate for completing the course, and some insurers will offer a discount to younger drivers who have this.
  • Add a ‘black box’. This device tracks your driving activity and passes information onto your insurer. This allows insurers to check whether you’re a safe driver or not. Most insurers will cut the cost of your policy if you install a black box in your car.
  • Increase your voluntary excess. A higher excess means you’ll agree to contribute more to your repair costs. Insurers will lower your premium if you voluntarily raise it. Don’t raise your excess higher than you can afford to pay though.
  • Add additional safety measures. Any installations that make your car safer are likely to lower your premium.
  • Avoid unnecessary modifications. Any installations that raise potential repair costs will send your premium skyrocketing.

The bottom line

Although car insurance can be costly for 20-year-olds, there are plenty of things they can do to lower their premiums.

Frequently asked questions

*51% of consumers could save £303.64 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next three cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from January 2022 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.

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