Car insurance in the UK is very expensive for young drivers. If you are under 25, insurance companies see you as high risk — which means higher prices.
But the good news is: many UK insurers offer special car insurance for young and new drivers that is much cheaper.
Why Is Car Insurance Expensive for Young Drivers?
Insurance companies charge more because:
- Young drivers have less experience
- More accidents happen in this age group
- Insurance fraud risk is higher
That’s why choosing the right insurer is very important.
Best Car Insurance Companies for Young Drivers
| Company | Best For | Starting Price |
|---|---|---|
| Admiral | Low-cost insurance | From £600/year |
| Aviva | Trusted brand | From £650/year |
| Direct Line | No middleman | From £700/year |
| Hastings Direct | Online discounts | From £550/year |
| LV= Insurance | Customer service | From £620/year |
How to Get Cheaper Insurance
Follow these tips:
- Choose a smaller engine car
- Add a parent as named driver
- Use a black box (telematics)
- Park in a garage
- Avoid making claims
These can save you hundreds of pounds per year.
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