Temporary car insurance for 19-year-olds

Discover the typical price of temporary car insurance for a 19-year-old, where to find temporary insurance, and effective methods to lower premiums.

Tempcover logo
Quick, flexible, affordable cover
Tailored for all vehicles
From 1 hour to 28 days
Customisable coverage
Get a quote

Turning 19 marks new opportunities for young drivers, and navigating insurance choices can be daunting. Temporary car insurance presents a versatile and budget-friendly solution for those seeking short-term coverage. Whether you’re practicing for your driving test, borrowing a car for a weekend getaway, or require temporary coverage for a specific event, this guide will cover everything you need to know about temporary car insurance for 19-year-olds.

What is temporary car insurance for 19-year-olds?

Temporary car insurance tailored for 19-year-olds offers a versatile and short-term insurance solution crafted to cover young adults for a specified duration. This can vary from a single day to several months, accommodating needs such as borrowing a vehicle for a trip, driving a newly purchased car, or ensuring coverage during vacations.

Why might a 19-year-old need temporary car insurance?

There are several scenarios where a 19-year-old might need temporary car insurance:

  • Learning to drive. Coverage for practice driving sessions in a parent or friend’s car.
  • Borrowing a car. Short-term use of a friend’s or relative’s vehicle.
  • Driving a new car. Coverage while transitioning to a Coverage while transitioning to a permanent policy.
  • Occasional driving. Infrequent use of a car without needing annual insurance.

Average temporary car insurance cost for a 19-year-old

To give you an idea of the average cost of temporary car insurance for a 19-year-old, we conducted several quotes using a popular make and model for an average UK postcode. Based on our findings, on average, you could secure comprehensive temporary car insurance for approximately £26 per day.

How does temporary car insurance work?

Temporary car insurance operates similarly to regular car insurance but is tailored for short durations. You select the coverage period and pay a premium based on the length of the policy and the level of coverage. This type of insurance provides the necessary legal coverage without the commitment of an annual policy.

Benefits of temporary car insurance for 19-year-olds

  • Flexibility. Choose coverage from one day to several months.
  • Cost-effectiveness. Avoid the high cost of annual policies for short-term needs.
  • No impact on no-claims bonus. Temporary policies do not affect your or your parents’ no claims bonus.
  • Quick and easy. Policies can be arranged swiftly, often online.

Factors affecting the cost of temporary car insurance for 19-year-olds

  • Driver’s age. Being a new and young driver typically results in higher premiums. Insurers view 19-year-olds as higher risk due to their limited driving experience and increased likelihood of accidents. This lack of experience often leads to higher premiums compared to older, more seasoned drivers.
  • Vehicle type. The make, model, and age of the car can significantly impact insurance costs. High-performance or luxury vehicles generally incur higher premiums due to their expensive repair or replacement costs and attractiveness to thieves. Conversely, older and less valuable cars may be cheaper to insure.
  • Location. Where the car is housed and driven plays a role in premiums. Areas with high crime rates or frequent accidents tend to have higher insurance costs. Urban locations often have higher premiums compared to rural areas due to increased risks.
  • Coverage duration. The length of the insurance policy affects overall costs. Short-term policies offer flexibility but can have higher daily rates compared to annual policies. Longer coverage periods can be more cost-effective per day, but very short-term policies might be cheaper if coverage is only needed briefly.
  • Driving history. Despite limited driving history, any previous claims or driving offences can impact premiums for 19-year-olds. A clean driving record can help lower costs, whereas prior incidents may lead to higher premiums.
  • Intended use. How the car will be used matters. Vehicles used for daily commuting or long-distance travel generally incur higher premiums than those used for occasional leisure driving. Insurers assess risk based on usage frequency and conditions.
  • Optional extras. Adding features like breakdown cover or legal assistance can raise premiums. While these extras offer additional protection, they increase the overall insurance cost.
  • Policy terms. Different insurers offer varying terms that affect premiums. Policies with lower deductibles typically have higher premiums, while opting for a higher deductible can lower the premium cost.

Is temporary car insurance a good option for 19-year-olds?

Danny Butler
Finder insurance expert Danny Butler answers

Temporary car insurance can offer a beneficial solution for 19-year-olds, depending on their specific driving requirements and habits.

If you only need coverage for a short period, such as practicing driving or borrowing a car for a few days, temporary car insurance might prove more cost-effective than committing to an annual policy. It allows you to get insured as needed without a long-term contract.

However, if you find yourself driving frequently, even occasionally in a family member’s or friend’s car, it’s essential to carefully compare costs. While temporary policies can be costly per day, frequent use may make an annual policy more financially viable.

Additionally, consider bundling temporary car insurance with other policies. For instance, if you’re insuring a learner driver, some insurers offer packages that include both learner and temporary coverage, potentially reducing overall costs.

The optimal choice ultimately hinges on your driving frequency and whether you value the flexibility of temporary coverage or the potentially lower cost of an annual policy. Always conduct thorough comparisons of quotes and coverage options to identify the most suitable solution for your circumstances.

How to find the best temporary car insurance for 19-year-olds

To find the best temporary car insurance, follow these steps:

  • Compare providers. Use comparison websites to evaluate different insurers and policies.
  • Read reviews. Check customer reviews for insights into service and claims handling.
  • Review coverage details. Ensure the policy covers your needs, such as third-party liability, theft, and damage.
  • Look for discounts. Some providers offer discounts for students or bundle discounts when combining with other types of insurance.

Common exclusions and limitations

Temporary car insurance policies may have certain exclusions and limitations, including:

  • Age restrictions. Some insurers may impose minimum age requirements or additional premiums for young drivers.
  • Vehicle restrictions. High-performance or luxury cars may be excluded or cost more to insure.
  • Mileage limits. There might be a cap on the number of miles you can drive during the coverage period.
  • Geographical limits. Check if the policy covers you for driving abroad.


Temporary car insurance designed for 19-year-olds provides a flexible and economical option for short-duration driving requirements. Whether you’re refining your driving abilities, borrowing a vehicle, or preparing for a long-term policy, exploring your choices and selecting suitable coverage can ensure peace of mind and legal protection on the road.

Frequently asked questions

Connor Steele's headshot
Written by

Senior associate publisher

Connor is a senior associate publisher at Finder, specialising in insurance and investing. He's been sourcing and analysing data in both subjects for around 4 years, supporting Finder's publishing team. Connor holds a BSc in Accounting and Finance from the University of Sussex and when he's not at work, you can find him at his local gym keeping fit. See full bio

More guides on Finder

Go to site