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Young driver car insurance

Young driver insurance on your own car.
No curfews.
Earn your own No Claims Bonus.
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Car insurance for young drivers

Our young driver’s insurance covers you in your own car, on your own policy and in a wide range of vehicles under 16 years old. 

At A Choice, we’ve been helping young drivers find car insurance for 25 years. As an insurance broker we do most of the legwork and shopping around for you. We have access to the best rates and work with a panel of providers to help find car insurance for young drivers.

Benefits of our insurance for young drivers

  • Start earning your No Claims Bonus.
  • No driving curfews. Freedom to drive when you want.
  • UK call centre.
  • 24 hours, 7 days a week claims helpline.
  • Flexible payment options.
  • Wide range of optional extras.
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Young driver car insurance without curfews

Some insurers restrict you from driving at certain times, usually at night, to keep you away from higher-risk situations. Our driving insurance for young drivers gives you the freedom to drive when you want, where you want, with no curfews or penalties for driving at night.

hand holding document with car on front

Earn a No Claims Bonus

As a young driver, you could start earning a No Claims Bonus on your premium for each claim free year. And, if you’ve already had insurance through us as a provisional driver, you already have a head start if you’ve remained claim free on your own policy.

How can young drivers get cheaper car insurance?

As a young driver, the cost of car insurance can take a big chunk out of your earnings. At A Choice, we can help you find car insurance for young drivers’ by comparing quotes from our panel of providers and recommend a suitable policy for your needs.

The cost of insurance is calculated based on a wide range of factors. Whilst some factors are out of your control, such as age and experience, there are some things that you can do that will help to reduce the cost of your insurance.

Your choice of car

New car models are placed in insurance groups between 1 (cheapest to insure) and 50 (the most expensive). If you’re shopping for a new car, you could save on cover by researching what insurance group different cars are in. .

Although newer, more powerful cars may look good, they’re typically more expensive to insure. Bear this in mind when you’re making your decision.

Add a named driver to your insurance policy

When you take out young driver’s insurance with us, we’ll ask you if you want to add a named driver to your policy. Adding a more experienced driver with a claim-free history, such as a parent, guardian or older sibling, may reduce the cost of your premium.

You mustn’t declare them as the main driver, though, as this misleads the insurer and you could be accused of ‘fronting’, which can invalidate your insurance.

Consider paying a higher voluntary excess

Your excess is the amount of money you’ll have to pay towards a claim made on your policy. Paying a higher voluntary excess amount will help to reduce your insurance premium. But bear in mind that if you do make a claim, you’ll have to pay both the compulsory and voluntary excess, so pick an amount that you can afford.

Drive safely

Young drivers tend to be more at risk on the road because of their lack of experience and the tendency of many to take risks. As a new driver, it’s important to ease yourself into driving while you build up your experience on the road.

If you’re a safe and responsible young driver, you can soon build up a No Claims Bonus in your own name, which will reduce the cost of your car insurance.

Here are some tips to help you on your way:

  • Stick to the speed limits.
  • Don’t approach bends and corners too fast.
  • Be extra careful in poor driving conditions.
  • Be wary of other road users.
  • Avoid dangerous overtaking.
  • Keep a safe distance between you and the car in front.
  • Avoid driving when you’re tired.

Avoid some car modifications

Modifications can affect the cost of your car insurance, no matter how minor. They can be either cosmetic or performance-enhancing. Examples include altering your suspension, upgrading your exhaust or investing in alloy wheels.

However, not all modifications will increase your premium. For example, fitting a security device may help lower your premium.

If you want to know how a modification could affect your car insurance, check with your provider.

You must always declare any modification, as some may invalidate your insurance if not disclosed.

Improve your security

Improving your vehicle’s security could help you get cheaper young drivers’ insurance. First and foremost, you should keep your car somewhere safe, such as a garage, driveway or somewhere in sight of a CCTV camera.

Additionally, you could invest in a quality security device for your vehicle. This could help reduce your premium, as well as give you peace of mind. But bear in mind that the amount you might save on your cover might not outweigh your investment.

When considering what to buy, look for devices approved by Thatcham Research, an independent group that rates the different types of car alarms and immobilisers on the market.

Pay annually

While this may be difficult for young drivers, it’s usually cheaper to pay your insurance upfront for the year rather than in monthly instalments. If possible, try to put away a little money each month for next year’s insurance.

Frequently asked questions

Insurance providers calculate premiums based on risk and consider young drivers as being riskier on the road. While this notion might seem unfair, there’s plenty of research to support it.

For example, 2021 data released by the Association of British Insurers shows that drivers aged 18-25 make more frequent claims and have higher average claim costs compared to older drivers. In other words, insurers need to charge young drivers more just to offset the higher costs of insuring them.

Additionally, 2022 road casualty statistics published by the Department for Transport (DfT) show that car young drivers were involved in roughly one-fifth of all collisions resulting in fatalities or seriously injured casualties.

The DfT research also found that young drivers were more likely to engage in some risky driving behaviours, such as exceeding the speed limit, travelling too fast for conditions, or driving under the influence of alcohol.

There are three main types of car insurance available:

  1. Thirdparty only – The minimum legal requirement and only covers damage to other people or their property.
  2. Thirdparty, fire and theft – This includes third-party coverage plus protection if your car is stolen or damaged by fire.
  3. Fully comprehensive – This offers the highest level of protection, covering everything in third-party, fire and theft plus damage to your own car and injuries to yourself.

It’s safer to get fully comprehensive insurance. Counterintuitively, it can also be more affordable for young drivers, as some insurers think people who choose third-party only car insurance are more of a risk.

Yes, it’s generally possible for your parents to add you as a named driver on their car insurance policy, provided you’re not the main driver of the car. In the short term, this could be more affordable than taking out your own car insurance as a young driver.

However, it’s important to note that this will increase your parents’ insurance premium. You also won’t start earning a No Claims Bonus, which means you’ll still have to pay a higher premium when you eventually get your own policy.

Get insurance for young drivers with A Choice

As one of the UK’s leading motor insurance brokers, we can take the hassle out of finding an affordable policy as a young person. We’ll use our 25 years of experience and panel of insurers to help you get on the road for the best price possible. If you’d like more information or have any questions, feel free to call us on 0330 127 4500 or email us.

Further reading for young drivers

The Highway Code

Think! Road safety

RoSPA: Road safety

This page was last reviewed in August 2024.