{"id":379777,"date":"2021-03-30T10:34:35","date_gmt":"2021-03-30T09:34:35","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=379777"},"modified":"2026-01-28T13:15:05","modified_gmt":"2026-01-28T13:15:05","slug":"car-insurance-for-18-year-olds","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/car-insurance\/young-drivers\/car-insurance-for-18-year-olds","title":{"rendered":"Car insurance for 18-year-olds"},"content":{"rendered":"

If you’re 18 years old, it’s going to be 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.<\/p>

Cheapest cars to insure for an 18-year-old<\/h3>

In this table, you’ll discover the cheapest cars to insure for the average 18-year-old.<\/p>\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n
Make<\/th>\n Model<\/th>\n Age<\/th>\n Average price<\/th>\n -<\/th>\n <\/tr>\n <\/thead>\n
Ford Fiesta<\/td>\n 1.1L Zetec Ti-VCT 5dr<\/td>\n 18<\/td>\n \u00a31915<\/td>\n Get Quote<\/a><\/td>\n <\/tr>\n
SEAT Ibiza<\/td>\n 1.0 TSI XCELLENCE 5dr<\/td>\n 18<\/td>\n \u00a32142<\/td>\n Get Quote<\/a><\/td>\n <\/tr>\n
Hyundai i10<\/td>\n 1.0 Se 5dr Hatchback <\/td>\n 18<\/td>\n \u00a31734<\/td>\n Get Quote<\/a><\/td>\n <\/tr>\n
Volkswagen Polo<\/td>\n 1.2 S 5d<\/td>\n 18<\/td>\n \u00a31676<\/td>\n Get Quote<\/a><\/td>\n <\/tr>\n
Toyota Aygo<\/td>\n 1.0 VVT-i X-Press 5dr<\/td>\n 18<\/td>\n \u00a32090<\/td>\n Get Quote<\/a><\/td>\n <\/tr>\n
Peugeot 108<\/td>\n 1.2 PureTech Allure 5dr Petrol Hatchback<\/td>\n 18<\/td>\n \u00a32234<\/td>\n Get Quote<\/a><\/td>\n <\/tr>\n
Citroen C1<\/td>\n 1.2 PureTech Flair 5dr<\/td>\n 18<\/td>\n \u00a31984<\/td>\n Get Quote<\/a><\/td>\n <\/tr>\n
Skoda Fabia<\/td>\n 1.0 MPI 75 Colour Edition 5dr<\/td>\n 18<\/td>\n \u00a31794<\/td>\n Get Quote<\/a><\/td>\n <\/tr>\n
Dacia Sandero<\/td>\n 1.0 SCe Ambiance 5dr<\/td>\n 18<\/td>\n \u00a31854<\/td>\n Get Quote<\/a><\/td>\n <\/tr>\n
Vauxhall Corsa<\/td>\n 1.4i ecoTEC Design 5dr<\/td>\n 18<\/td>\n \u00a31976<\/td>\n Get Quote<\/a><\/td>\n <\/tr>\n
Vauxhall Adam<\/td>\n ENERGISED 1.2 3dr<\/td>\n 18<\/td>\n \u00a32190<\/td>\n Get Quote<\/a><\/td>\n <\/tr>\n
Kia Rio<\/td>\n 1.0 T-GDi 2 5dr<\/td>\n 18<\/td>\n \u00a32090<\/td>\n Get Quote<\/a><\/td>\n <\/tr>\n
Renault Twingo<\/td>\n 0.9 TCE Iconic 5dr<\/td>\n 18<\/td>\n \u00a32090<\/td>\n Get Quote<\/a><\/td>\n <\/tr>\n
Ford KA<\/td>\n 1.2 85 Zetec 5dr<\/td>\n 18<\/td>\n \u00a31794<\/td>\n Get Quote<\/a><\/td>\n <\/tr>\n
Volkswagen UP<\/td>\n 1.0i Up 5dr<\/td>\n 18<\/td>\n \u00a31915<\/td>\n Get Quote<\/a><\/td>\n <\/tr>\n <\/tbody>\n<\/table>

Why is car insurance more expensive for 18-year-olds?<\/h3>

Car insurance companies use several factors to calculate the likelihood of 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.<\/p>

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-claim bonus.<\/p>

That’s why they’ll pay more for car insurance than older drivers.<\/p>

What types of insurance are available to 18-year-olds?<\/h3>

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.<\/p>

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

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.<\/p>

However, if you’re proven to be an unsafe driver, your premium could rise.<\/p>

Average insurance cost for an 18-year-old<\/h3>

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.<\/p>