When you first get a driver’s license, you don’t have a lot of driving experience. The likelihood of an accident is increased for teens and young drivers, so insurance companies usually charge. But insurance for young drivers is never cheap, doubling the cost of a policy for just a couple, on average, according to NerdWallet research. We looked at rates in the Dallas metro area for a 50.
We'll search a panel of top UK insurance providers to find learners and newly qualified drivers our cheapest young driver car insurance quote. Tailor your policy by adding extras such as legal cover or RAC breakdown cover.
If you are buying a policy on your own as a young driver, Progressive will take care of you. Progressive's website is rated as one of the best overall. Comparison shopping is made easy with their comparison tool. Remember, it’s always a good idea to shop around for insurance, ask about discounts, and never take the first offer. Cheap Auto Insurance Companies for Teens and Young Adults Below we’ve compiled a list of who we believe to be the companies offering the best insurance for young drivers. Not coincidentally, these tend to be the companies who offer the lowest premiums for older adults, as well.
What’s covered with our young driver insurance?
Our car insurance policies are built with young drivers in mind - take a look at what you can expect from us.
24-hour windscreen and glass replacement
24-hour windscreen and glass replacement with comprehensive policies
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European cover
Stay covered for up to 90 days if you're travelling in Europe.
No Claims Bonus for learner drivers
With Endsleigh, learner drivers can immediately start to earn a No Claims Bonus in their own name
Personal possessions
£100 cover for personal possessions in your car with comprehensive policies
Choose extra cover to shape the protection that's right for you
Make sure you're covered for whatever life throws at you with our range of young driver car insurance add-ons.
We offer two types of breakdown cover, both of which are provided by the RAC. Each cover option will fix your car at the roadside if you are over a quarter of a mile away from home, or take you to a nearby garage. There are no call-out or mileage charges.
If you have an accident that’s not your fault, this cover will provide up to £100,000 for legal representation for you and all named drivers on your policy to recover the costs not covered by your car insurance. You'll also receive help to defend your legal rights if an accident leads to a motoring offence.
This covers the reimbursement of a policy excess you have to pay following an accident, although please note that windscreen excesses are not included. You can claim as many times as required up to your chosen coverage limit of either £300, £500 or £750 for each excess paid.
This cover provides up to £2,500 for replacing locks and keys for your car, home and office, including locksmith charges. You’ll also receive three days of emergency car hire or the option to reclaim the cost of onward transport if your car keys are lost or stolen.
If you're injured in an accident, you may be left unable to work - either while you recover or permanently, dependent on the severity of your injuries. Enhanced personal accident cover will provide a specified lump sum which may provide immediate security in assisting with bills, medical costs and other expenses that may be incurred.
If your car is written-off or stolen and not recovered, this cover will provide you with a car to use anywhere in the UK for up to 21 days. All named drivers on your policy aged between 18-79 (with a full UK licence) will be able to use this car and you will be covered for up to two claims per policy.
Why Endsleigh for young driver car insurance?
If you're a young or new driver, it pays to be prepared so that you know what to do in the event of a vehicle-related problem. That’s why we like to make it easy for our customers to find cheap car insurance – especially insurance for new drivers. We are the only insurance provider recommended by National Union of Students (NUS) and we’ve been in the student insurance business for nearly 50 years.
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Travel insuranceCheap Insurance For Young Drivers In Georgia
Great value single or multi-trip cover for your time away from home.
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Need to contact us?
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Call us on 0333 234 1552
Our guide on how to get cheap insurance for young drivers can help you find the best cover.
Young drivers in the UK are statistically more likely to have an accident and make a claim. This has the knock-on effect of sending their car insurance costs sky high.
Getting the best cheap car insurance for young drivers can feel like an impossible task, but there's plenty you can do to help keep costs down. From picking the right car to increasing your excess, our tips go back to basics so that you can consider a wide range of insurers, not just those that offer telematics or pay-as-you drive insurance.
Read our nine top tips to help you find cheapest car insurance for young drivers.
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1. Pick one of the cheapest cars to insure for young drivers
When looking for your first car, the cost of car insurance is often a big factor in the buying process. All cars on the market belong to one of 50 different car insurance groups — the cheapest cars to insure for new drivers can be found in groups one to five. This is particularly important for young male or female drivers with fast cars, which are typically more expensive.
2. Steer clear of car modifications
Car modifications, such as alloy wheels and body kits, often appeal to young drivers wanting to personalise simple-looking hatchbacks or medium-sized cars. However, avoid them if you want the best insurance for young drivers — modifications are known to increase premiums by hundreds of pounds. Again, this is the sort of thing that young drivers with fast cars, or those who want a fast car, should be aware of.
If you are absolutely determined to modify your car, consider if you would be happy to replace the modified parts with cheaper ones, otherwise the costs of the premiums could be much higher.
3. Consider a black box policy
Black box policies (also known as telematics) use an app or a small device installed in the car to monitor usage and driving behaviour. These types of policy can help to cut the cost of car insurance for young drivers as insurers are able to base premiums on actual driving behaviour rather than assuming every young driver is at risk of making a claim.
If there ever was a way to get the cheapest insurance for young drivers, then black box insurance is top of the list. In fact, drivers aged 17-21 with zero no claims could save an average of £1,282 by choosing black box insurance over a standard policy (based on quotes generated by uSwitch between November 2016 and January 2017).
4. Pay per year, not per month
With the average car insurance premium for young drivers into the thousands of pounds, it can be tempting to stagger payments rather than shelling out for the cover all in one go. Mediamonkey download windows 10. It’s usually much cheaper to pay for the whole year in advance rather than paying monthly, if you can afford to. You’ll avoid the monthly interest charges and could save a substantial amount.
![]() Cheapest Car Insurance For Teens5. Consider increasing your excess
Choosing to pay a higher voluntary excess on top of the compulsory excess you're quoted — the amount you’d have to pay up front if you made a claim — can significantly reduce the cost of your car insurance. However, make sure you’re able to afford to pay the excess if you do have an accident — young drivers with little money could struggle to stump up £500 or more after a crash. Furthermore, statistically speaking, young drivers are more likely to make a claim within the first year of driving, so beware that you could end up forking out the higher voluntary excess early on.
6. Think about the level of cover you need
Comprehensive car cover is normally the most expensive type of car insurance — it covers both your car and other vehicles if you have an accident. Third-party cover — the most basic level of cover — covers claims against you if you’re involved in an accident and injure someone. It also covers the cost of repairing or replacing the other person’s car, but not your own. Assess how often you plan to drive, what you can afford to cover, and what type of superficial car damage you might be prepared to live with. Learn more with our guide on the different types of car insurance.
7. ..but don’t assume third-party is the best insurance for young drivers
It pays to compare quotes with different levels of cover before you buy. According to the Association of British Insurers, the average third-party, fire and theft premium is more expensive than comprehensive cover because it’s often chosen by younger drivers with a tendency to make larger claims. Bear this in mind before you compare car insurance for young drivers. Also, don't search for cheap car insurance for the price alone. You still need to assess what type of cover it is you need. Sacrificing quality of cover over the price could end up costing you more in the long term.
8. Add a named driver, but beware of ‘fronting'
You can reduce car insurance costs by adding an extra named driver to the insurance policy - especially if they're older and more experienced on the road, regardless of whether they are male or female, although you should avoid those with points. Putting the policy in a parent's name, with the young driver as a named driver when they’re actually the main driver - known as 'fronting' - is illegal and can result in insurers rejecting claims.
9. Increase security and limit risk
Adding extra car security features, such as an alarm or immobiliser, can often help you get cheaper cover. Car insurance can be cheaper still if you park your car in a garage or driveway overnight rather than leaving it on the street as insurers see this as a further way of minimising risk.
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