Young Drivers Car Insurance

The young drivers car insurance directory aims to highlight companies or brands who offer young drivers car insurance. Included within each listing are details of product features and benefits currently being offered*.

Alternatively, read our insurance information guide below for young drivers, or car guide pages, and find out all you need to know before getting a competitive quote.

Young Drivers Car Insurance Guide

As a young driver there are two options available to you that will enable you to drive your car on the roads fully insured. Most young drivers who have just passed their test and are lucky enough to be allowed to drive their parent’s car are likely to have been added as a named driver under the parent’s car insurance policy. An added bonus could be that your parents will pay the additional cost for you! The second option which is more applicable for young drivers who have recently purchased their own car, is to take out insurance cover themselves under their own name.

Unfortunately, the cost of insuring your own car under your own name means you will probably pay a higher premium in the initial period of having your own insurance policy. This is because as a young driver new to the roads you are less experienced at driving and decision making. It is a process all drivers have to go through, but the good news is that within one year you earn your first year’s no claims bonus. That means you may get a cheaper young drivers insurance premium for your second year. The more years no claims you build, the possibility of cheaper premiums!

In addition, you may have a friend who is on his parent’s policy as a named driver and paying less than you, but eventually he will have to get his own policy and face the higher costs you are facing now.

Why are car insurance premiums higher for young drivers?
You may feel discriminated against but in fairness to the companies they are not deliberately trying to rip you off. Car insurance companies have to pay the claims and young drivers are responsible for the majority of claims, hence the higher insurance premiums. Statistics show that young drivers have more accidents and they also suffer more from incidents of theft, fire and vandalism. You cannot control your age or your driving record so remember that the single most important factor that you can control is the car you want to insure. A fast car and young driver equals a high insurance premium

Information for young drivers who have just passed their driving test
Read our guide on the Pass Plus scheme and find out how to qualify for additional discounts on your car insurance quotes from participating companies.