{"id":176891,"date":"2019-03-12T13:42:10","date_gmt":"2019-03-12T13:42:10","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=176891"},"modified":"2026-04-09T17:08:01","modified_gmt":"2026-04-09T16:08:01","slug":"young-drivers","status":"publish","type":"page","link":"https:\/\/www.finder.com\/uk\/car-insurance\/young-drivers","title":{"rendered":"Car insurance for young drivers"},"content":{"rendered":"<p>There\u2019s nothing quite like the feeling of getting behind the wheel for the first time after you\u2019ve passed your driving test. But nothing can slam the brakes on your driving dreams quite like the cost of car insurance for young drivers.<\/p><p>As a young, inexperienced driver, you\u2019re likely to pay more for insurance than any other age group. But there are ways you can save on your cover. Use our guide to find out how to pay less for car insurance.<\/p><h3 id=\"what_is_car_insurance_for_young_drivers\">What is car insurance for young drivers?<\/h3><p>\u201cYoung driver car insurance\u201d isn\u2019t a separate type of car insurance policy \u2013 after all, young drivers\u2019 car insurance needs are usually no different from those of older drivers. But when car insurance experts talk about young drivers, they typically mean people between the ages of 17 and 25.<\/p><p>While the cover they need is the same as older drivers, younger drivers are considered much higher risk than other groups. This means they\u2019ll usually pay more for the same level of cover. In fact, according to the latest figures from the <a href=\"https:\/\/www.abi.org.uk\/products-and-issues\/choosing-the-right-insurance\/motor-insurance\/age-and-motor-insurance\/\" target=\"_blank\" rel=\"noopener\">Association of British Insurers<\/a> (ABI), drivers aged 18-20 pay around 3 times as much as those in their 50s and 60s.<\/p><p>The good news is that, as with any other age group, there are plenty of ways for young drivers to cut the cost of car insurance.<\/p><div class=\"fin-video fin-video--horizontal\" data-player-type=\"youtube\" data-video-id=\"DuVoFEcaopc\" style=\"\">\n    <div class=\"fin-video__container\">\n                    <img decoding=\"async\" class=\"fin-video__thumbnail\" src=\"https:\/\/img.youtube.com\/vi\/DuVoFEcaopc\/maxresdefault.jpg\" data-fallback-sd=\"https:\/\/img.youtube.com\/vi\/DuVoFEcaopc\/sddefault.jpg\" data-fallback-hq=\"https:\/\/img.youtube.com\/vi\/DuVoFEcaopc\/hqdefault.jpg\" alt=\"\" loading=\"lazy\">\n                            <div class=\"fin-video__duration\">5:51<\/div>\n                        <div class=\"fin-video__play-btn\" role=\"button\" aria-label=\"Play video\"><\/div>\n                <iframe allow=\"autoplay\" class=\"fin-video__player\" id=\"ytPlayer-DuVoFEcaopc\" title=\"Video player\"><\/iframe>\n    <\/div>\n        <\/div>\n<h3>Do I need car insurance as a young driver?<\/h3><p>Yes. Young or old, and regardless of whether you\u2019ve been driving for years or it\u2019s your first time behind the wheel, you need to be insured to drive on UK roads. As a legal minimum you\u2019ll need <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/third-party-car-insurance\">third-party insurance<\/a>, which will pay out for damage to other people\u2019s cars or property.<\/p><h3 id=\"why_is_car_insurance_for_young_drivers_so_expensive\">Why is car insurance for young drivers so expensive?<\/h3><p><a href=\"https:\/\/www.gov.uk\/government\/statistics\/reported-road-casualties-great-britain-older-and-younger-driver-factsheets-2021\/reported-road-casualties-in-great-britain-younger-driver-factsheet-2021#:~:text=Younger%20car%20drivers%20account%20for,fatalities%20were%20younger%20car%20drivers.\" target=\"_blank\" rel=\"noopener\">Government data<\/a> shows that young drivers are disproportionately likely to be involved in a car accident where they or a passenger are injured or killed. Meanwhile stats published by road safety charity Brake indicate that 1 in 5 drivers crash within a year of passing their test.<\/p><p>Accidents mean expensive car insurance claims. Insurers seek to offset the risk of high payouts by increasing premiums. It follows that a higher risk of claims means higher premiums for younger drivers.<\/p><p>Even if you\u2019re a careful driver from day one, it will take time for you to build up the years of claim-free driving that prove to insurers that you\u2019re the exception to the rule.<\/p><p>There are, of course, other factors that affect how much you\u2019ll pay for car insurance, such as where you live. City dwellers will usually pay more than those living in rural locations, for example. But the higher risk of accidents among young drivers is by far the biggest cause of high insurance premiums. Our guide on <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/car-insurance-after-accident\">how car accidents affect car insurance<\/a> explains why.<\/p><h3 id=\"what_affects_the_cost_of_car_insurance_for_young_drivers\">What else affects the cost of car insurance for young drivers?<\/h3><p>As well as the higher risk of accidents for young drivers, there are several other factors that affect the cost of your car insurance. Some of these include the following:<\/p><ul><li><strong>Age.<\/strong> A 17-or 18-year-old will typically pay higher premiums than a 25-year-old. Once you turn 26, you can expect premiums to steadily decline.<\/li><li><strong>Driving experience and history.<\/strong> For new drivers, it\u2019s difficult to prove you\u2019re a safe driver without a record to speak of. Providers will typically class you as high-risk, pushing your premiums up. But as you build up years of having a <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/no-claims-bonus\">no-claims bonus<\/a>, your premium will start to drop.<\/li><li><strong>Claims history.<\/strong> If you need to make a claim, whether it\u2019s related to an accident or something else (such as theft), this can push your car insurance premiums up.<\/li><li><strong>Where you live.<\/strong> Where <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/address-impact-on-car-insurance-premium\">you live<\/a> can affect your premiums, especially if you live in a high-crime urban area where the risk is greater compared to rural areas.<\/li><li><strong>Your profession<\/strong>. <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/job-titles\">What you do for a living<\/a> can have a significant impact on you car insurance premiums. And being a <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/cheap-student-car-insurance\">student<\/a> can also bump costs up, partly because many universities are based in urban areas where crime rates are higher.<\/li><li><strong>Make, model and value of your car.<\/strong> If you drive a sporty, powerful or high-value car, expect to pay more. Driving a smaller and safer \u201cbudget\u201d car is likely to work in your favour.<\/li><li><strong>Car use.<\/strong> If you have a daily commute in \u201crush hour\u201d through busy roads, you\u2019re more likely to see higher premiums than if you only <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/classes-of-use\">use your car<\/a> for leisure.<\/li><li><strong>Car security<\/strong>. A car that\u2019s fitted with an alarm and immobiliser is likely to mean lower premiums than one that isn\u2019t. You may also save money if you\u2019re able to park in a garage or private driveway than on the street.<\/li><\/ul><h3>What is the cheapest car insurance for young drivers?<\/h3><p>Unfortunately, there is no individual policy that will be cheapest for all young drivers. Insurance providers have their own criteria for determining the price of insurance, and no two drivers have the same profile.<\/p><p>As a young driver, <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/young-drivers\/black-box-car-insurance\">black box insurance<\/a> may prove to be cheaper than regular car insurance as long as you maintain a good driving record. If you don\u2019t drive regularly, you may also be able to save money by using temporary or short-term car insurance.<\/p><h3>What are the cheapest cars to insure for young drivers?<\/h3><p>For drivers of any age, one of the biggest factors affecting the cost of insurance is the car you drive. As a general rule, bigger, powerful and\/or more expensive cars will cost more to insure than compact run-arounds with small engines.<\/p><p>If you\u2019re looking to buy your first car and want to avoid it being prohibitively expensive to insure, check what <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/insurance-groups\">insurance group<\/a> it\u2019s in. There are 50 official insurance groups; cars in group 1 will typically be the cheapest to insure, while those in group 50 will incur high insurance premiums.<\/p><h3>What cars are in cheaper insurance groups?<\/h3><p>If you want to actively seek out a car that\u2019s in a lower insurance group, and will therefore likely be cheaper to insure as a young driver, options to consider include:<\/p><ul><li><a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/citroen\/citroen-c3-insurance-group\">Citroen C3<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/ford\/ford-ka-insurance\">Ford Ka<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/hyundai\/hyundai-i10-insurance-group\">Hyundai i10<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/kia\/kia-rio-insurance-group\">Kia Rio<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/nissan\/nissan-micra-insurance\">Nissan Micra<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/peugeot-107-insurance-group\">Peugeot 107<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/seat-ibiza-insurance-group\">Seat Ibiza hatchback<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/toyota\/toyota-yaris-insurance\">Toyota Yaris<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/vauxhall\/vauxhall-corsa-insurance\">Vauxhall Corsa<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/volkswagen\/volkswagen-polo-insurance\">Volkswagen Polo<\/a><\/li><\/ul><p>With each of these cars, at least some models in the range fall into insurance groups 1-5. You\u2019ll probably need to opt for lower-powered models with more basic specs, though. Choosing more powerful, upper-range models of even these cars could push you into a higher insurance group and bump insurance premiums up.<\/p><h3 id=\"what_levels_of_car_insurance_are_available_to_young_drivers\">What levels of car insurance are available to young drivers?<\/h3><p>All drivers are legally required to have at least third-party car insurance to be on UK roads. Young drivers can take out the same levels of car insurance cover as any other driver.<\/p><ul><li><strong>Third-party.<\/strong> If you are responsible for causing an accident, you\u2019ll be covered for damage to other people\u2019s vehicles or property. However, <a href=\"https:\/\/www.finder.com\/uk\/?s=third+party\">third-party<\/a> insurance won\u2019t cover any damage to your own car.<\/li><li><strong>Third-party, fire and theft. <\/strong>This will give the same level of cover as third-party and will also provide protection against any <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/third-party-fire-theft\">fire damage to your car or theft of your car<\/a>.<\/li><li><strong>Comprehensive.<\/strong> <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/comprehensive-car-insurance\">Comprehensive cover<\/a> gives you the same protection as the lower levels and also protects your own car against accidental damage and vandalism.<\/li><\/ul><h3>Is basic third-party cover cheaper for young drivers?<\/h3><p>Not necessarily. In practice, <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/comprehensive-car-insurance\">comprehensive cover<\/a> can often be cheaper than third-party, or third-party fire and theft. This might sound counterintuitive, but it\u2019s in part because many inexperienced drivers automatically opt for third-party cover under the assumption it will be the cheapest. Car insurers have caught on to this, and some charge more for the lowest level of cover as a result.<\/p><p>Don\u2019t fall foul of this Catch 22. Researching all your options could net you a better premium and a better policy.<\/p><h3>What types of car insurance can help young drivers save money?<\/h3><p>Alternatives to getting a standard annual car insurance policy that could work out cheaper for young drivers include:<\/p><ul><li><strong>Adding yourself to a parent\u2019s policy.<\/strong> You could be added as a <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/named-driver-car-insurance\">named driver<\/a> onto your mum\u2019s or dad\u2019s policy if you\u2019re not the main driver of a car. However, be aware that a young driver added as a named driver when they\u2019re really the main driver is known as \u201cfronting\u201d and is illegal in the UK.<\/li><li><strong>\u201cBlack box\u201d car insurance.<\/strong> Also known as telematics insurance, this kind of policy uses a \u201cblack box\u201d installed in your car to track how well you drive. Safe driving habits are rewarded with lower premiums.<\/li><li><strong>Pay-as-you-go car insurance.<\/strong> These policies are a variant on black-box insurance, that charge you by the mile or by the hour. <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/pay-as-you-go-car-insurance\">Pay-as-you-go policies<\/a> can work out cheaper if you don\u2019t drive that much.<\/li><li><strong>Temporary car insurance.<\/strong> It is possible to get car insurance cover for a <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/temporary-car-insurance-for-under-21s\">short period of time<\/a>, usually between 1 and 28 days. This may suit young drivers home from university or if you\u2019re visiting friends or family and need to borrow their car. Be aware that some temporary car insurance policies have a minimum age limit \u2013 18 is typical.<\/li><\/ul><h3 id=\"what_should_i_be_looking_for_in_a_policy_for_young_drivers\">What should I be looking for in a policy for young drivers?<\/h3><p>No matter what your age, it\u2019s worth considering each aspect of your insurance policy carefully. If you\u2019re new to driving, you may want to consider the following:<\/p><ul><li><strong>Cover level.<\/strong> The more comprehensive your policy, the more expensive it is likely to be, but the better it will protect you from damage. If you wouldn\u2019t be able to cover the cost of expensive repairs to your own car, a <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/comprehensive-car-insurance\">comprehensive policy<\/a> may be worth considering.<\/li><li><strong>Benefits and features.<\/strong> Compare which benefits and features are included in a policy carefully \u2013 <a href=\"https:\/\/www.finder.com\/uk\/breakdown-cover\">breakdown cover<\/a> or replacement key cover, for example. You may find that one provider only offers what you need as an optional extra, while another may include it as standard.<\/li><li><strong>Payment options.<\/strong> If you can afford to pay your annual premiums in one large sum, it usually works out cheaper overall than paying on a monthly basis.<\/li><\/ul><h3 id=\"how_to_get_cheap_car_insurance_for_young_drivers\">How can young drivers get cheaper car insurance?<\/h3><ul><li><strong>Pick a smaller, less powerful car.<\/strong> Choosing to drive a small and safe car that is in a <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/low-insurance-groups\">low insurance group<\/a> is likely to lower your premium.<\/li><li><strong>Limit modifications.<\/strong> Any <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/modified-car-insurance\">modifications<\/a> made to your car to make it look better or drive faster are likely to increase your premiums, so think carefully before making any changes.<\/li><li><strong>Choose a cover level that suits you.<\/strong> Contrary to what you might expect, comprehensive cover can be cheaper than <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/third-party-car-insurance\">third party<\/a> (TP) or <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/third-party-fire-theft\">third party, fire and theft<\/a> so it\u2019s always worth checking.<\/li><li><strong>Add experienced drivers.<\/strong> Adding an older and more experienced driver to your policy as a named driver could help to lower the premium.<\/li><li><strong>Advanced driving skills.<\/strong> You could be in line for a discount with select providers by taking an advanced driving course, such as the <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/young-drivers\/pass-plus-scheme\">Pass Plus scheme.<\/a><\/li><li><strong>Increase the excess.<\/strong> Agreeing to pay a bigger voluntary excess could make your overall premium cheaper. But remember that your insurer won\u2019t pay out for a claim that costs less than your excess. So be careful about making it too high, as it could leave you out of pocket if damage occurs.<\/li><li><strong>Avoid paying monthly.<\/strong> If you can, try to pay for your premium in one go as you\u2019ll pay interest if the premium is spread out over the year.<\/li><li><strong>Limit optional extras if you don\u2019t need them.<\/strong> Think carefully about which <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/car-insurance-optional-extras\">optional extras<\/a>, such as breakdown cover, you really need. Adding extra protection to your policy will generally push the price up too.<\/li><li><strong>Increase your car\u2019s security.<\/strong> If your car is not currently fitted with an alarm, think about adding one to reduce your premium.<\/li><li><strong>Limit your mileage.<\/strong> If you start working part time or your long commute becomes much shorter, letting your insurer know about a reduction in your mileage could result in cheaper insurance.<\/li><li><strong>If possible, park your car off-road.<\/strong> Cars kept in a garage or on a secure driveway are usually cheaper to insure.<\/li><li><strong>Consider telematics insurance.<\/strong> Having a \u201c<a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/young-drivers\/black-box-car-insurance\">black box<\/a>\u201d fitted to your car to monitor your driving could result in discounts if you drive safely.<\/li><li><strong>Shop around.<\/strong> Don\u2019t simply choose to renew your car insurance when it\u2019s up for renewal as you could end up paying more than you need. Shop around and compare your options to find the best deal. Keep in mind that the cheapest policy isn\u2019t always the best policy so check the cover details carefully.<\/li><\/ul><p><a class=\"more-link-arrow\" href=\"https:\/\/www.finder.com\/uk\/car-insurance\/young-drivers\/cheapest-car-insurance-for-young-drivers\">Read our guide to getting the cheapest car insurance deal possible as a younger driver.<\/a><\/p><h3 id=\"adding_yourself_to_your_parents_policy\">Can I save money by getting insured on my parent\u2019s policy?<\/h3><p>If you share a car with a parent and they\u2019re happy to include you in their cover, you could ask them to add you as a <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/named-driver-car-insurance\">named driver<\/a> to their insurance policy.<\/p><p>This will likely cause their premiums to rise, but the added cost may be cheaper than if you were to take your own policy out. Even if you have to pay towards their overall premium, you might still save money.<\/p><p>For this to work, they would need to be the main driver of the car though. In practice, this means that they would need to drive the car more than you. If it\u2019s the other way round, you could be found guilty of an offence known as \u201cfronting\u201d.<\/p><h3>What is car insurance fronting?<\/h3><p>Adding yourself as a named driver on your parent\u2019s policy is fine, and a good way to keep insurance costs down, if they\u2019re the person that drives the car most often (the \u201cmain driver\u201d).<\/p><p>What you mustn\u2019t do is put your parent, or another experienced driver, down as the main driver of a car and yourself as a named driver (no matter who owns the car) if you, the younger driver, will be driving it more often.<\/p><p>This is a type of insurance fraud known as \u201cfronting\u201d. It\u2019s illegal and could invalidate your insurance policy and even lead to a driving prosecution.<\/p><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block\"><div class=\"u-grid\"><div class=\"u-grid__col u-1\/1 no-padding-bottom\"><h3 class=\"has-padding-bottom-x-small\">Could a \u201cblack box\u201d car insurance policy save me money as a young driver?<\/h3><\/div><div class=\"u-grid__col u-1\/6@s\"><p><img decoding=\"async\" class=\"luna-avatar luna-avatar--large\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/07\/Danny-Butler.jpg\" alt=\"Danny Butler\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/07\/Danny-Butler.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/07\/Danny-Butler.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/07\/Danny-Butler.jpg?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/07\/Danny-Butler.jpg?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/07\/Danny-Butler.jpg?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/p><div class=\"has-padding-top-small text-x-small\"><em>Finder insurance expert <a href=\"https:\/\/www.finder.com\/uk\/author\/dannybutler\">Danny Butler<\/a> answers <\/em><\/div><\/div><div class=\"u-grid__col u-10\/12@s no-padding-bottom\"><p>Having a telematics or \u201c<a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/young-drivers\/black-box-car-insurance\">black box<\/a>\u201d policy can help you save on your car insurance if you\u2019re a safe driver. A black box is fitted into your car to measure how well you drive. This data is then assessed by your insurance provider to calculate your premiums based on your driving habits.<\/p><p>So if you stick within the speed limits, brake and accelerate carefully, and don\u2019t go out for joyrides in the wee hours of the morning, you should be rewarded with lower premiums.<\/p><p>A word of caution, though. Black box technology will also capture any bad driving habits. If you\u2019re a bit of a boy \u2013 or girl \u2013 racer, your premiums could go up.<\/p><\/div><\/div><\/div><\/article><h3>Bottom line<\/h3><p>There\u2019s no getting around the fact that car insurance is expensive for younger drivers. If you\u2019re 20 or younger, you can expect to pay upwards of \u00a31,000 a year \u2013 or much more if you own a bigger, more powerful car or live in a part of the UK with a higher risk of car crime. But drive safely and avoid making claims, and you\u2019re likely to see premiums drop over time, particularly when you reach your 26th birthday. Until then, <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\">shop around<\/a> to find the right cover at the best price, and use our cost-cutting tips to avoid paying more than you need to for insurance.<\/p><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Is it harder to get insurance as a young driver?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Not necessarily. While some insurers may decline to quote for very young drivers, there are still plenty that will be happy to. And while many car insurance providers may have higher premiums for young drivers, other providers may actually design car insurance specifically for young drivers, making premiums more affordable. It\u2019s always worth <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\">shopping around<\/a>.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">Can I drive my parents' car even if I don't have my own insurance?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Yes and no. You don\u2019t necessarily need a separate insurance policy, but legally, you have to have at least third-party car insurance to drive any car on UK roads. Ignoring this could lead to you or your parents being charged with an offence.<\/p><p>So, if you don\u2019t have your own car insurance policy, you\u2019ll only be able to drive your parents\u2019 car if you are a <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/named-driver-car-insurance\">named driver<\/a> on their car insurance policy.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">Does my car need insurance even if I'm not using it?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"> If you don\u2019t drive your car for chunks of the year, for example while you\u2019re away at college or university, you might assume that it doesn\u2019t need insurance during these periods. You\u2019d probably be wrong. Unless your car is parked on private property (a private driveway or garage, for example) and officially registered as off the road (known as <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/how-to-sorn-a-car\">SORN<\/a>), it still needs to be insured.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">At what age does car insurance get cheaper?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>According to ABI data, average car insurance premiums are at their highest for 18 to 20-year-olds (its data doesn\u2019t include 17-year-olds), drop by around 20-25% for 21- to 25-year-olds and then drop by a similar amount for the 26 to 30-year-old age group. After that, premiums continue to decline more gradually by age until drivers reach their 60s.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000004\" data-toggle=\"collapse\" data-target=\"#accordion0000000004\">\n        <span class=\"luna-accordion__title\">Can I save money by adding another driver to my policy?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000004\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Potentially, yes. If you\u2019re a young driver, adding a parent or another experienced driver to your policy as a <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/named-driver-car-insurance\">named driver<\/a> could see your premiums drop. This tactic will be most effective if they have a clean and claim-free driving record. Car insurers will like the fact that, at least some of the time, your car may be driven by a lower-risk driver. However, adding another young driver is unlikely to have the same effect and could even bump up your premiums.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000005\" data-toggle=\"collapse\" data-target=\"#accordion0000000005\">\n        <span class=\"luna-accordion__title\">Does young age affect car insurance premiums?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000005\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Yes, however, age is not the only factor taken into consideration when calculating your insurance premium. The make and model of your car, your location and your annual mileage as well as other factors are all assessed. Young drivers are generally considered the most at risk on the road so face higher premiums as a result. But even though young drivers may have little experience, not all will be bad drivers. Opting for a \u201c<a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/young-drivers\/black-box-car-insurance\">black box<\/a>\u201d (or telematics) policy if you\u2019re a safe and careful driver could actually save you money.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000006\" data-toggle=\"collapse\" data-target=\"#accordion0000000006\">\n        <span class=\"luna-accordion__title\">As a young driver, should I just go for the cheapest policy I can find?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000006\" data-accordion=\"details\">\n    <div class=\"accordionContent\">No, not necessarily. The cheapest car insurance policy may not offer you the best cover. Shop around and remember to compare the benefits, features and conditions of each policy rather than looking at the price alone. By understanding what the policy offers in relation to what you require, you could end up saving money.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000007\" data-toggle=\"collapse\" data-target=\"#accordion0000000007\">\n        <span class=\"luna-accordion__title\">Can I add extras to my policy as a young driver?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000007\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Yes, like any driver, you\u2019ll be able to add optional extras or upgrades to your policy. These include things like <a href=\"https:\/\/www.finder.com\/uk\/breakdown-cover\">breakdown cover<\/a>, <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/personal-accident-cover\">personal accident cover<\/a>, <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/legal-expenses-insurance\">legal expenses cover<\/a> and <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/windscreen-cover\">windscreen cover<\/a>. Our dedicated guide to <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/car-insurance-optional-extras\">car insurance optional extras<\/a> highlights what you need to know about these and more.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000008\" data-toggle=\"collapse\" data-target=\"#accordion0000000008\">\n        <span class=\"luna-accordion__title\">Will an advanced driving course help get me cheaper insurance as a young driver?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000008\" data-accordion=\"details\">\n    <div class=\"accordionContent\">It might. As part of the quote process, insurers may ask about any extra driving courses you\u2019ve taken, such as <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/young-drivers\/pass-plus-scheme\">Pass Plus<\/a>. Some insurers offer discounts if you have an advanced driving qualification, as this helps prove you\u2019re a safer driver.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000009\" data-toggle=\"collapse\" data-target=\"#accordion0000000009\">\n        <span class=\"luna-accordion__title\">Will I be charged if I make changes to my policy?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000009\" data-accordion=\"details\">\n    <div class=\"accordionContent\">It depends on when you make them. If you make changes to your policy at the point of renewal, it may affect your renewal quote, but you shouldn\u2019t be charged any admin fees. However, if you need to make changes to your policy part way through the year \u2013 because you\u2019ve moved address, for example \u2013 you may be charged an admin fee as well as it affecting your underlying premium (for better or worse). This shouldn\u2019t put you off telling your insurer about relevant changes though, as it could invalidate your policy if you don\u2019t.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000010\" data-toggle=\"collapse\" data-target=\"#accordion0000000010\">\n        <span class=\"luna-accordion__title\">Can my son or daughter drive my car even if they don't live with me?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000010\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Provided they are insured to drive it, then yes. They could either take out their own policy to drive your car, though this might be an expensive option if they only drive it occasionally. Alternatively, you could add them as a <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/named-driver-car-insurance\">named driver<\/a> to your own policy. Or, if they have their own car, it may insure them to <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/can-i-drive-another-car-on-my-car-insurance\">drive other cars<\/a> (check the small print to be sure). This is only likely to be on a third-party basis though, which wouldn\u2019t cover damage to your car, so you may prefer not to rely on this option.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000011\" data-toggle=\"collapse\" data-target=\"#accordion0000000011\">\n        <span class=\"luna-accordion__title\">Can young drivers get temporary car insurance?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000011\" data-accordion=\"details\">\n    <div class=\"accordionContent\">In some cases, yes. Temporary car insurance can be worth considering if, for example, a young driver wants to get insured to drive a parent\u2019s car during university or college holidays, for example. Many temporary insurers have a minimum age limit of 18 though, and this type of cover could work out pretty expensive per-day for <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/temporary-car-insurance-for-under-21s\">under 21s<\/a>.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000012\" data-toggle=\"collapse\" data-target=\"#accordion0000000012\">\n        <span class=\"luna-accordion__title\">What type of insurance do I need if I'm learning to drive?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000012\" data-accordion=\"details\">\n    <div class=\"accordionContent\">It depends how you\u2019re learning. If you\u2019re only taking lessons in a driving instructor\u2019s car, you\u2019ll be covered by their insurance. But if you want to practice in your own, a friend\u2019s or your parents\u2019 car, you\u2019ll need your own insurance. This could be a standard policy, particularly if you have your own car. There are also short-term policies designed specifically for learner drivers. Find out more in our full guide to <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/young-drivers\/car-insurance-for-learners\">learner drivers insurance<\/a>.<\/div>\n  <\/div>\n<\/li><\/ul><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block\">*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (January \u201926). 51% of Confused.com car insurance customers could save \u00a3529.15.<\/div><\/article><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">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 <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">subject to our terms of use<\/a>. 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. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article><div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3>\n<div id=\"lazy0000000000\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000000\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.de087a0da9824e407767.js\"],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.87684078d471e76125dd.css\"]}<\/script><\/div>","protected":false},"excerpt":{"rendered":"<p>Are you a safe driver but also young and inexperienced? Read our guide and learn how to save on car insurance premiums for young drivers.<\/p>\n","protected":false},"author":805,"featured_media":177036,"parent":76886,"menu_order":0,"comment_status":"open","ping_status":"open","template":"page-masthead-two-column.php","meta":{"footnotes":""},"tags":[],"class_list":["post-176891","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Save on your young drivers car insurance | Finder UK<\/title>\n<meta name=\"description\" content=\"Compare car insurance for young drivers and find out how you can save on your policy as a young and inexperienced driver.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/uk\/car-insurance\/young-drivers\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Car insurance for young drivers\" \/>\n<meta property=\"og:description\" content=\"Compare car insurance for young drivers and find out how you can save on your policy as a young and inexperienced driver.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.finder.com\/uk\/car-insurance\/young-drivers\" \/>\n<meta property=\"og:site_name\" content=\"Finder UK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/findercomuk\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2019\/03\/youngdrivers-featuredimage.png\" \/>\n\t<meta property=\"og:image:width\" content=\"250\" \/>\n\t<meta property=\"og:image:height\" content=\"250\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta 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