Cheapest Car Insurance for Young Drivers UK (Complete 2025 Guide)
Finding cheap car insurance may seem like a challenge to you, especially if you are young. Many people feel that choosing insurance can sometimes seem difficult them, but it doesn’t have to be because there are many ways to make it easier. Here we tell you how to choose it the easy way. You can get good quality insurance.
Even if you have passed your car license or got your driving license at a young age, it may be difficult for you to get insurance, but that is not the case. Even if you are a young or new driver, you can get good insurance in the UK.
With everyone’s premiums and the added pressure of the cost of living, it’s important to see how you can save on your auto insurance in 2025. In this post, we’ll take a look at where and how you can get it.
Have you ever wondered why car insurance is so expensive for new drivers? You can’t get good insurance in the UK?
UK young drivers are generally assessed between the ages of 17 and 25. Insurance providers consider new drivers and other young drivers to be at higher risk, which is why new drivers and young drivers have to pay higher insurance premiums. Insurance statistics are collected every year in the UK. Based on the statistics collected, statistics show that young drivers cause more accidents. Some insurance companies in the UK, when offering insurance to young drivers, consider many factors and look at their annual report increasing the insurance premiums. Your car insurance is high for many reasons for young drivers.
What are considered the main reasons:-
- They have Less driving experience
- People under the age of 25 have the highest accident rate.
- They have limited or no no-claims discount (NCD)
- Have high-performance cars or modified cars
The good news for you is that we provide you with detailed information on how you can reduce your premium below.
Here we provide you with the best guidelines on how to choose the best insurance for you, from which you can choose.
If you are in the UK between the ages of 17 or 24, here’s how to get cheap car insurance for yourself. We will now look at the best ways to reduce your car insurance premiums here.
1)You need to choose the right car.
You should choose a car that falls within the insurance group 1 to 10. These are the ones that you will have the least maintenance and fuel consumption for, so it is very important that you choose a good car like this.
Let’s take a look at the best and cheapest cars to insure for 2025 below.
- Ford Fiesta 1.0L
- Vauxhall Corsa 1.2L
- Volkswagen Polo 1.0L
- Hyundai i10
- Toyota Aygo
2) There is a black box installed in your car called a black box. Through that black box, they can see your car’s data and how you drive.
They will install a black box in the car. Where you drive, how fast you drive, how safely you drive, everything will be recorded on this black box through a phone device. You can also monitor it. They will keep a record of how you drive and keep all your records together through this. The better you drive, the faster your insurance premium will drop.
3) Add an Experienced Named car driver with you
To reduce your car premium, adding your parents or older siblings to your insurance can reduce your premium by 10 to 30%.
4) Pay in full for one year instead of paying monthly.
They will charge you interest on your monthly payments. You can save another £100 or more on top of that by paying for a year in one go.
5) By increasing your voluntary excess amount
The more you can afford to pay by increasing your voluntary excess amount, the more likely reduce your car insurance premium.
6) It is very important for insurance companies to know where you park your car and where you will park the car.
Parking your car is very important. You will pay a lot less for your insurance premium if you park your car safely during the day or at night in a driveway or garage than if you simply park it on the street.
7) It is very important limit your car mileage
It’s important to know how far you drive your car. If you rarely use your car, it’s especially important to low low-mileage policies can be cheaper.
Here are the best companies offering new drivers or young driver insurance in the UK in 2025.
Below, we will look at the companies that offer the best insurance for young or new car drivers in great detail and explain their good qualities in detail.
Best insurance providers:-
We will now clearly see why companies are the best insurance providers. :-
Providing a multi-car discount on coinsurance for family members
The insurance companies we mentioned may not be on comparison sites, but you will get a much better deal if you go directly to them.
The insurance provider is budget-friendly and ideal for first-time policyholders.
It will be much easier for people to take out insurance online, and it will offer better prices for those under 25.
This insurance provider offers simple and affordable insurance with online-only coverage.
Pro Tip: You can usually get the best insurance deals using comparison sites and directly, especially Direct Line and Aviva, which usually don’t appear on aggregators.
Below is a list of how much car insurance costs in the UK in 2025, depending on your age.
Age | Average Premium (Comprehensive) |
17 | £1,400 – £2,200 |
18 | £1,200 – £1,900 |
19–20 | £1,000 – £1,600 |
21–22 | £850 – £1,400 |
23–25 | £700 – £1,200 |
Important note: When it comes to car insurance, its price varies depending on your age, car type, how long you drive, and where you live.
You have chosen your insurance in the best way.
- You should compare quotes every year. Please do not auto-renew.
- You should build your No Claims Bonus (NCB), even if it’s for just one year; it will make a big difference.
- Avoid modifications as this will increase your premium significantly.
- Consider third-party cover, check the comprehensive insurance, and see if it is also low.
- There is a course of study, meaning that if you come and complete that course, some insurance companies are ready to offer a discount for the Pass Plus course.
Let’s now look at the best car insurance comparison sites in 2025.
Here we are ranking the websites that compare the cheapest car insurance companies and the most reliable websites.
5.Uswitch
Compare first and then contact direct to insurers like Direct Line, Aviva, and LV
FAQs: Questions and answers for new and young car drivers UK
Q: Is comprehensive car insurance available for new and young drivers?
A: Yes, it is available. Now, if you take Comprehensive insurance rather than third-party only insurance, Comprehensive insurance will be cheaper for you.
Q: Are the telematics policies worth it?
A: Yes, it is very valuable. Carefully driving your car can save you from a 20% to 50% over time.
Q: Do discounts for students exist for car insurance
A: Not officially, but if you are a student who uses the car less, some companies are willing to give you some discounts.
Q: What is the best insurance for a learner driver?
A: It is best to take out your short-term policy before you graduate.
Final thoughts: Drive smart and save more.
Getting the best car insurance in the UK can be a daunting task, especially when it comes to servicing a car, getting the best insurance for it, and evaluating its prices, and getting black box insurance can all be a challenge, but you can still get a good insurance quote here. Did you know that you can save on your car insurance in the best possible way using the best methods? You can save a lot if you use a different method and a better method.
- Start your search.
- Choosing the best car to insure
- Use comparison sites
- Consider black box policies
When you use your car, how carefully you drive, you have a lot of benefits. If you drive without getting into an accident, you will automatically build a no-claims bonus.
Whether you are 17 or 24, a new driver or a young driver, it is very easy to find cheap car insurance for you. You can save your money. Congratulations on your careful comparison and on choosing the best insurance for you.
