Affordable car insurance for drivers under 25
New to the road? We know young drivers aged 17–24 face higher premiums. Compare tailored quotes from UK insurers to find cover that fits your budget.
How does car insurance work for under 25s?
If you're aged 17 to 24, Compare the Market lets you compare car insurance quotes designed for younger drivers. You can find standard policies, black box or telematics cover that tracks your driving, and named driver options if you're added to a parent's policy. Even with limited driving history, comparing helps you see risk-adjusted quotes and key policy features side by side, so you can find competitive prices that match your situation.
How young drivers can lower car insurance costs
If you're under 25, car insurance premiums can be steep, but there are practical ways to bring costs down. One popular option is a black box or telematics policy, where a small device monitors your driving. If you drive safely and stick to sensible hours, you could earn discounts or lower renewal prices. Beyond that, consider raising your voluntary excess if you can afford it in the event of a claim, as this often reduces your premium. Building a no-claims bonus over time helps too, as does adding an experienced named driver to your policy where it makes sense. Other steps include limiting your annual mileage, parking somewhere secure overnight, and choosing a car in a lower insurance group. When you compare quotes and buy a qualifying product through us, you'll also get access to Meerkat Rewards, which includes perks like 2 for 1 cinema tickets every week.
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Car insurance for under-25s: FAQs
Quick answers to common questions about car insurance for drivers under 25, including why premiums can be higher, what black box policies are, and practical ways to reduce your costs.
Read our FAQsWhy is car insurance so expensive for under-25s?
Insurers base premiums on risk, and statistics show that younger drivers are more likely to be involved in accidents due to limited driving experience. Because of this higher claims risk, premiums for drivers under 25 tend to be more expensive. As you build up a no-claims history and gain more experience on the road, your premiums typically start to come down.
What is a black box policy?
A black box policy, also called telematics insurance, uses a small device fitted in your car or a smartphone app to monitor your driving. It tracks things like your speed, acceleration, braking, cornering, and the times of day you drive. If you drive safely and responsibly, this data can help reduce your premiums over time. Black box policies can be a good option for young drivers looking to bring down their costs.
How can I lower my car insurance costs as a young driver?
There are several ways to help bring down your premiums. Consider a black box or telematics policy if you're a safe driver. Taking a Pass Plus course after passing your test can sometimes help. Adding an experienced driver as a named driver may reduce costs, but make sure you're listed as the main driver if you use the car most. Choose a car in a lower insurance group. Increase your voluntary excess if you can afford to pay it in the event of a claim. Pay annually rather than monthly if possible, as this often works out cheaper. Keep your mileage estimate realistic and accurate.
What types of cover are available for under-25s?
You can choose from the same cover types as any other driver. Third party only covers damage or injury you cause to other people or their property. Third party, fire and theft adds cover if your car is stolen or damaged by fire. Fully comprehensive covers damage to your own car as well. Fully comprehensive isn't always the most expensive option, so it's worth comparing all three when you get quotes.
Can I be added to my parent's or guardian's policy as a named driver?
Yes, you can be added to a parent's or guardian's policy as a named driver, and this can sometimes reduce the overall cost compared to taking out your own policy. This option may be suitable if you share the car and genuinely use it less than the main policyholder.
However, you should be aware that any no-claims bonus will usually only build up for the main driver, not for you as the named driver. This means when you eventually get your own policy, you may not have any no-claims discount to apply.
It's also important to know about 'fronting'. This is where a parent or guardian takes out a policy as the main driver, but you actually use the car most of the time. Fronting is insurance fraud and can result in your policy being cancelled, claims rejected, and difficulties getting insurance in the future. Always make sure the main driver listed on the policy is the person who uses the car the most.
Compare car insurance quotes for under 25s
Get quotes from multiple insurers in minutes. Find cover that's built for young drivers, with flexible options to fit your budget. Start your comparison today and see how much you could save.