Cheap Car Insurance for Young Drivers in Your Area
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Most teens can't wait to get behind the wheel of their first car. What may put a damper on their excitement is finding affordable car insurance. Unfortunately for young drivers, car insurance can be expensive. There are some good deals to be found in the marketplace, however, if you know where to look.
- Which Car Insurance Companies are Cheapest for Young Drivers?
- Which are the Cheap Car Insurance Companies for Young Drivers in the North and South?
- Which Car Insurance Companies are Cheapest by City
For this study NimbleFins analysed quotes from over 50 car insurance companies available on 2 major comparison sites to find the cheapest comprehensive plans across major English cities for new, young drivers.
Comparing Cheap Car Insurance Companies for Young Drivers
The NimbleFins team gathered sample quotes from 50+ UK car insurance companies to discover which are the most affordable for young drivers, based on an 18-year-old male student. The results showed that of these, the cheapest car insurance brand overall for young drivers was General Accident (GA) Insurance. Overall the data showed that GA was on average about 62% less expensive than the average of all quotes garnered for a young driver, and even 18% cheaper than the average of the cheapest 3 car insurance quotes for a young driver.
A few brands hail from the biggest UK car insurance companies—for example, General Accident is part of Aviva and both Churchill and Privilege are part of Direct Line. You'll find that these large car insurance companies might not be competitive on pricing for young drivers through their regular car insurance or parent-company brand (e.g. Aviva or Direct Line) but they might be have offerings through these other brands (e.g. General Accident or Privilege).
In the table below you can see the 15 cheapest insurance companies for young drivers from our study, and their premiums and excess for our sample young driver.
|Rank||Insurance Company||Annual Premium||Excess|
|1||Brand||Annual Premium||Excess (including a £250 voluntary excess)|
|3||More Th>n Smart Wheels||£2,011||£650|
|5||WiseDriving - Self Install||£2,520||£350|
|8||Co-op Young Driver||£2,564||£700|
|10||RAC Black Box||£2,640||£750|
Some notable Companies by Area
Unfortunately, not every cheap insurance company is available in every area of the UK. For instance, in our research of the 10 largest cities in England, we found that young drivers in Manchester are offered 45% fewer quotes—that is, many insurers simply will not offer cover to young drivers in some areas. In addition, average young driver insurance quotes in Manchester are more than 2X the cost of cover in some other big cities in England. Read more in our article on comparing the cost of young driver car insurance by area.
Car Insurers for Young Drivers in the North
General Accident Insurance is the overall cheapest insurer for young drivers in Birmingham, Leeds, Sheffield, Bradford, Manchester and Liverpool. Across these cities, the average price for GA was £1,569 for a young driver, nearly 63% less than the average cost across all the insurers in our study.
If you live in any of these areas, GA may be your best bet for affordable insurance. However, More Than's Smart Wheels, Churchill Drivesure and Ingenie were also competitive alternatives for young driver car insurance, with the second, third and fourth cheapest average car insurance for young drivers in northern England, respectively.
Car Insurers for Young Drivers in the South
For those in the South West or South East, General Accident also was usually the cheapest car insurance for young drivers. In London and Bristol, rates from GA for our sample young driver were £1,027 and £991, respectively.
Most Affordable Auto Insurers for Young Drivers Around England
The cheapest insurance in your town may not actually reflect the cheapest overall insurers we list above. While General Accident, More Th>n Smart Wheels and Ingenie are generally in the top three across big cities in England, there are some brands that are cheaper but only offer cover in select areas. Take a look below to see what is the best option in your area.
|City||First Cheapest||Annual Premium||Second Cheapest||Annual Premium||Third Cheapest||Annual Premium|
|Birmingham||General Accident||£1,712||More Th>n Smart Wheels||£2,066||My Policy||£2,392|
|Bradford||General Accident||£1,888||More Th>n Smart Wheels||£2,576||Churchill Drivesure||£2,860|
|Bristol||General Accident||£991||Admiral LittleBox||£1,193||Ingenie||£1,270|
|Leeds||General Accident||£1,226||My Policy||£1,487||More Th>n Smart Wheels||£1,739|
|Liverpool||General Accident||£1,692||More Th>n Smart Wheels||£1,947||Admiral LittleBox||£2,375|
|London||General Accident||£1,017||Admiral LittleBox||£1,431||Ingenie||£1,714|
|Manchester||General Accident||£1,785||More Th>n Smart Wheels||£2,563||Churchill Drivesure||£3,013|
|Newcastle||General Accident||£1,200||My Policy||£1,317||More Th>n Smart Wheels||£1,579|
|Sheffield||General Accident||£1,111||Ingenie||£1,136||RAC Black Box||£1,143|
|Sunderland||General Accident||£1,177||My Policy||£1,270||More Th>n Smart Wheels||£1,524|
Tips to Reduce the Cost of Young Driver Insurance
If you haven't bought a car yet, choose carefully because the cost of insurance can vary dramatically depending on the make and model of your car. And you might be surprised by the cost differences. For instance, the ever-popular Ford Fiesta costs on average £200 less a year to insure than the Ford Focus. For more information please see our article on What Does it Cost to Insure the UK's Most Popular Vehicles?
Add a responsible driver to your policy such as your mom, dad or a sibling. You may find that your quote drops by 50% or more, but this varies widely from insurer to insurer and depending on other details in your application. It's certainly worth checking, however.
Installing a black box or telematics system, as required by most of the plans in this study, can lower the cost of car insurance for young drivers. With a black box, the insurance company is able to collect data on your driving style, such as speed, how smoothly you brake, time of day you drive, how often you use your car and how long you drive without taking a break. If they deem your driving to be too risky, they may cancel your policy.
Do not add yourself as a named driver to a policy in your parent's name if you are in fact the main driver of the vehicle. This is known as "fronting" and is illegal. If you are in an accident your cover would be invalid and the insurance company would not pay the claim.
In order to determine what a young driver will typically pay for comprehensive car insurance and to pick out the cheapest car insurance companies, 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. 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 included cover for a courtesy car, breakdown, personal accident and legal cover.
Quotes were gathered from plans from the following car insurance companies:
- Academy Insurance
- Admiral LittleBox
- Apricot Insurance
- Apricot Plus
- Apricot Premier
- Aura OpenGI
- Churchill Drivesure
- Churchill Plus
- City Insurance
- Co-op Young Driver
- Dial Direct
- Dial Direct Premier
- Flux Direct
- Ford Insure
- General Accident
- Go Girl
- GSI SSP
- Hastings Direct
- Hastings Essential
- Hastings Premier
- Insure Pink
- Lloyds Bank
- More Th>n Smart Wheels
- One Call Insurance
- Peoples Choice
- People's Choice
- Policywise CDL
- Policywise Telematics CDL
- Post Office
- Post Office Premier
- Privilege Plus
- Privilege Telematics
- RAC Black Box
- Smart Driver Club
- Sterling Insurance
- WiseDriving - Self Install
Cheap Car Insurance in Your Area
Quickly compare up to 99 insurance providers.