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Cheap Car Insurance for Teens

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Car Insurance for Teens – Compare Cheap Quotes

If you’ve recently passed your driving test you’re probably thinking about buying your first car in the near future, but brace yourself – car insurance for teenagers is often eye-wateringly expensive.

While you probably aren’t going to like the premiums you’re quoted when you start looking for car insurance for teenagers, there’s actually a very sensible, data-driven reason for those high quotes. In Q3 2023, the average quote for an 18-24 year old was £1260.49. This is in contrast to £502.3 for someone aged between 45-64 in the same quarter.

Insurance claims data reveals that young drivers are much more likely to crash their cars than older drivers, and that fact does stand to reason because young motorists are likely to be much more inexperienced behind the wheel than older drivers, which in turn increases the odds of an accident occurring.

In addition to that insurance claims data, though, there’s another factor that often results in more expensive car insurance for teens – a lack of data.

Since most teenagers will be newly qualified drivers, there won’t be any data relating to how risky that particular individual is when they’re behind the wheel, and they won’t have built up a No Claims Discount either. Insurance providers will have no choice but to use the driver’s age as one of the most important factors in their insurance premium calculation, at least for the first year or two, because they will have so little other data to go on.

When you know your car insurance quotes aren’t going to be cheap it becomes even more important that you use a price comparison site like Quotezone.co.uk to compare prices from a wide range of providers. We compare quotes from over 110 different car insurance brands, which should greatly increase your odds of finding a suitable policy at a price that won’t break the bank.

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Why is a driver’s age such an important factor when it comes to car insurance?

While it may well feel like the most important consideration, the truth is that insurance companies use a wide range of variables when they’re calculating their car insurance premiums, and the driver’s age is just one of them.

A driver’s occupation can have a significant impact on their premiums, for instance (teachers and nurses are often offered cheaper quotes than many other professions), as can their location, the kind of car they drive and their personal driving record.

However, it’s that last point that can sometimes make your age feel like an over-emphasised variable when you’re looking for car insurance for teens. Since most teenagers don’t have any kind of driving record, good or bad, insurance providers are forced to place greater weight on the variables they can factor into the calculation, including the fact that you’re a very young driver.

What steps can I take to find cheaper car insurance for teens?

Firstly, shop around. The higher your premiums are likely to be the more important it becomes that you compare car insurance quotes from a wide range of different providers, because you just might find one that’s able to offer you a cheaper quote (although it still isn’t likely to be cheap, of course!).

Beyond that, there are a few other steps you can take that might help increase your odds of finding the best car insurance for teens, such as:

  • Adding a more experienced motorist to the policy as a ‘named driver’ – Since this sometimes means the less experienced, higher-risk driver will spend less time behind the wheel, some insurance companies will offer cheaper premiums to reflect the lower risk.
  • Parking your car off the road when you aren’t driving it – cars that are parked on a private driveway or in a garage have a lower risk of being stolen, vandalised or hit by a passing car
  • Taking an advanced driving test (such as the ‘Pass Plus’ or ‘RoSPA Advanced Drivers and Riders’ test) – Take an advanced driving test to increase your driving skills and reduce your premiums by showing insurers you are an advanced driver.
  • Paying for the full year upfront – This can sometimes be a painful pill to swallow when your premium is very high, but if you’re able to pay the full amount upfront you could save quite a bit of money versus a monthly payment plan.
Will installing a black box result in cheaper car insurance for teenagers?

Yes, that’s another approach teenagers can take if they’re trying to find cheaper car insurance – signing up for a telematics insurance policy instead of a more standard policy.

Since the black box that is installed in your car when you sign up for this type of policy gives the insurance provider access to data about how you handle the car, how hard you brake and accelerate, the speeds you travel at, the times of day you usually travel and the miles you’re clocking up during those trips, it can help to offset some of the risk you represent as a teenage driver.

Telematics policies also enable insurers to adjust your premiums on a dynamic basis in response to this driving data, and they are empowered to cancel your policy with immediate effect if your driving is too unsafe, all of which often translates into cheaper car insurance for teenagers.

*51% of consumers could save £504.25 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from September 2023 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.

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