{"id":379779,"date":"2022-01-19T14:37:49","date_gmt":"2022-01-19T14:37:49","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=379779"},"modified":"2026-01-28T13:03:35","modified_gmt":"2026-01-28T13:03:35","slug":"car-insurance-for-20-year-olds","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/car-insurance\/young-drivers\/car-insurance-for-20-year-olds","title":{"rendered":"Car insurance for 20-year-olds"},"content":{"rendered":"

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.<\/p>

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.<\/p>

Cheapest cars to insure for a 20-year-old<\/h3>

In the table below, you’ll find a list of the cheapest cars to insure for the average 20-year-old driver.<\/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 20<\/td>\n \u00a31606<\/td>\n Get Quote<\/a><\/td>\n <\/tr>\n
SEAT Ibiza<\/td>\n 1.0 TSI XCELLENCE 5dr<\/td>\n 20<\/td>\n \u00a31797<\/td>\n Get Quote<\/a><\/td>\n <\/tr>\n
Hyundai i10<\/td>\n 1.0 Se 5dr Hatchback <\/td>\n 20<\/td>\n \u00a31454<\/td>\n Get Quote<\/a><\/td>\n <\/tr>\n
Volkswagen Polo<\/td>\n 1.2 S 5d<\/td>\n 20<\/td>\n \u00a31406<\/td>\n Get Quote<\/a><\/td>\n <\/tr>\n
Toyota Aygo<\/td>\n 1.0 VVT-i X-Press 5dr<\/td>\n 20<\/td>\n \u00a31753<\/td>\n Get Quote<\/a><\/td>\n <\/tr>\n
Peugeot 108<\/td>\n 1.2 PureTech Allure 5dr Petrol Hatchback<\/td>\n 20<\/td>\n \u00a31873<\/td>\n Get Quote<\/a><\/td>\n <\/tr>\n
Citroen C1<\/td>\n 1.2 PureTech Flair 5dr<\/td>\n 20<\/td>\n \u00a31873<\/td>\n Get Quote<\/a><\/td>\n <\/tr>\n
Skoda Fabia<\/td>\n 1.0 MPI 75 Colour Edition 5dr<\/td>\n 20<\/td>\n \u00a31504<\/td>\n Get Quote<\/a><\/td>\n <\/tr>\n
Dacia Sandero<\/td>\n 1.0 SCe Ambiance 5dr<\/td>\n 20<\/td>\n \u00a31555<\/td>\n Get Quote<\/a><\/td>\n <\/tr>\n
Vauxhall Corsa<\/td>\n 1.4i ecoTEC Design 5dr<\/td>\n 20<\/td>\n \u00a31657<\/td>\n Get Quote<\/a><\/td>\n <\/tr>\n
Vauxhall Adam<\/td>\n ENERGISED 1.2 3dr<\/td>\n 20<\/td>\n \u00a31837<\/td>\n Get Quote<\/a><\/td>\n <\/tr>\n
Kia Rio<\/td>\n 1.0 T-GDi 2 5dr<\/td>\n 20<\/td>\n \u00a31753<\/td>\n Get Quote<\/a><\/td>\n <\/tr>\n
Renault Twingo<\/td>\n 0.9 TCE Iconic 5dr<\/td>\n 20<\/td>\n \u00a31753<\/td>\n Get Quote<\/a><\/td>\n <\/tr>\n
Ford KA<\/td>\n 1.2 85 Zetec 5dr<\/td>\n 20<\/td>\n \u00a31657<\/td>\n Get Quote<\/a><\/td>\n <\/tr>\n
Volkswagen UP<\/td>\n 1.0i Up 5dr<\/td>\n 20<\/td>\n \u00a31605<\/td>\n Get Quote<\/a><\/td>\n <\/tr>\n <\/tbody>\n<\/table><\/div>

Why is car insurance more expensive for 20-year-olds?<\/h3>

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.<\/p>

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.<\/p>

Average insurance cost for a 20-year-old<\/h3>

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.<\/p>