The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.

Average Cost of Car Insurance for Young Drivers 2019

Cheap Car Insurance for Young Drivers in Your Area

Quickly compare up to 99 UK insurance providers.

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It's no surprise that young drivers pay more for car insurance. A young driver's lack of experience and limited driving history is potentially risky for car insurance companies to insure, so they charge more to insure new drivers. But how much will a new driver pay? We've crunched the numbers to determine the cost of comprehensive car insurance for an 18-year-old driver in England by major city, so you'll know what to expect to pay depending on where you live.

Average Cost of Cheap Car Insurance for a Young Driver

If price is your priority, you'll probably opt for one of the cheapest plans available to you. We've calculated the average price of the three cheapest car insurance quotes on offer in each city to get an idea of what a new driver would pay for young driver cheap car insurance, depending on where you live.

Across the 300+ quotes we gathered across England, we found that the average premium for cheap comprehensive cover for an 18-year-old driver was £1,871 per year. Worst hit were drivers in Liverpool, Bradford and Manchester where the average quote topped £2,000 a year.

Here's How Much a Young Driver will pay for Cheap Car Insurance by City

RankCityAverage Annual Premium
1Bristol£1,439
2Sheffield£1,466
3Sunderland£1,586
4Newcastle£1,604
5Leeds£1,722
6London£1,748
7Birmingham£1,920
8Liverpool£2,015
9Bradford£2,399
10Manchester£2,813
Average£1,871
chart showing the cost of cheap car insurance for young drivers by UK city

Between the high cost of insurance and the average driver spending over £1,000 on driving lessons (at a cost of £23 per hour-long driving lesson), being a young driver is not cheap.

Methodology

In order to determine what a young driver will typically pay for comprehensive car insurance, we gathered quotes for a sample 18-year-old male driver with a Full UK Licence who drives a 2015 Ford Fiesta, the UK's most popular car. (For more information on how insurance costs vary by make and model of car, please see our article, What Does it Cost to Insure the UK's Most Popular Vehicles?) Altogether we collected over 300 quotes for a driver living in London, Birmingham, Leeds, Sheffield, Bradford, Manchester, Liverpool, Bristol, Newcastle and Sunderland, who drives under 5,000 miles per year. Quotes were gathered from plans from the following car insurance companies:

  • Academy Insurance
  • Acorn Insurance
  • Admiral
  • Advance Insurance
  • Autosaint
  • Aviva
  • Bell
  • Brightside Car Insurance
  • Carrot Insurance
  • Churchill Insurance
  • City Insurance
  • Computerquoteinsurance.com
  • Diamond
  • elephant.co.uk
  • Endsleigh Insurance
  • Entire Cover
  • esure broker
  • Flux Direct
  • General Accident
  • Get Cover Telematics
  • Go Girl
  • Hastings Direct
  • HR Insurance
  • Insurance Factory
  • Insure Pink
  • insurethebox
  • insurewiser.co.uk
  • More Th>n Smart Wheels
  • MyPolicy
  • O2 Drive - Box on Board
  • Peoples Choice
  • Privilege Telematics
  • RAC Black Box Car Insurance
  • Sheilas' Wheels Broker
  • Sheilas' Wheels Broker Model Driver
  • Sky - Insure Learner Driver
  • Smart Miles
  • Tesco Bank Box
  • WiseDriving

Cheap Car Insurance in Your Area

Quickly compare up to 99 insurance providers.

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Comments and Questions

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.