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 we have analysed dozens of car insurance companies to find the cheapest comprehensive plans across major English cities for new, young drivers.
Cheapest Car Insurance Company for Young Drivers
We gathered sample quotes from dozens of UK car insurance companies to discover which are the most affordable for young drivers, based on an 18-year-old male student living at home. The results showed that the cheapest car insurance company overall for young drivers was Acorn Insurance. Overall the data showed that Acorn was on average about 65% less expensive than the national average car insurance quote for a young driver.
There is only one of the big UK car insurance companies (i.e., Admiral, Direct Line, Aviva, Hastings Direct, LV/Liverpool Victoria), in the top 5 cheap insurance plans for young drivers—Hastings Direct Smart Miles. Overall big companies like Admiral, Direct Line and Aviva are generally not the most economical for a new, young driver getting their first car insurance policy.
In the table below you can see the 15 cheapest insurance companies for young drivers, and their premiums and excess for our sample young driver.
|Rank||Insurance Company||Annual Premium||Excess|
|2||Hastings Direct SmartMiles||£1,919||£345|
|3||More Th>n Smart Wheels||£2,017||£650|
|6||Get Cover Telematics||£2,456||£150|
|7||Tesco Bank Box||£2,515||£550|
|8||Hastings Direct SmartMiles||£2,532||£266|
|11||RAC Black Box Car Insurance||£2,799||£400|
|12||O2 Drive - Box on Board||£2,847||£400|
|14||Sky - Insure Learner Driver||£3,181||£500|
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 and Bradford are offered up to 60% fewer quotes—that is, many insurers simply will not offer cover to young drivers in these areas. In addition, average quotes in Bradford and Manchester are 28% and 50% higher than the average cost of car insurance for young drivers in big cities in England.
Best Insurers for Young Drivers in the North
Acorn Insurance is the overall cheapest insurer for young drivers in Birmingham, Leeds, Sheffield, Bradford, Manchester and Liverpool. Across these cities, the average price for Acorn was £1,800 for a young driver, nearly 67% less than the average cost across all the insurers in our study.
If you live in any of these areas, Acorn may be your best bet for affordable insurance. For those wanting protection from a larger insurance company, More Than's Smart Wheels and Hastings Direct Smart Miles programmes are great alternatives for young driver car insurance, with the second and third cheapest average car insurance for young drivers in northern England, respectively.
Best Insurers for Young Drivers in the South
For those in the South West or South East, Hastings Direct Smart Miles is generally the cheapest car insurance for young drivers. In London and Bristol, rates from Hastings Direct Smart Miles were about 69% less expensive than the average for these cities.
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 Hastings Direct Smart Wheels, More Than Smart Miles and Acorn are generally in the top three for big cities in England, there are cities like Newcastle where the cheapest company is MyPolicy. 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||Acorn||£1,767||Hastings Direct SmartMiles||£1,960||More Th>n Smart Wheels||£2,032|
|Bradford||Acorn||£2,033||More Th>n Smart Wheels||£2,375||My Policy||£2,788|
|Bristol||Hastings Direct SmartMiles||£1,245||Acorn||£1,446||MyPolicy||£1,626|
|Leeds||Acorn||£1,660||More Th>n Smart Wheels||£1,724||Hastings Direct SmartMiles||£1,784|
|Liverpool||Acorn||£1,874||Hastings Direct SmartMiles||£2,052||More Th>n Smart Wheels||£2,120|
|London||More Than Smart Miles||£1,524||Acorn||£1,606||Sky - Insure Learner Driver||£2,113|
|Manchester||Acorn||£2,088||My Policy||£2,918||Privilege Telematics||£3,433|
|Newcastle||MyPolicy||£1,568||Acorn||£1,606||More Th>n Smart Wheels||£1,638|
|Sheffield||Acorn||£1,392||More Th>n Smart Wheels||£1,403||My Policy||£1,604|
|Sunderland||More Th>n Smart Wheels||£1,463||Hastings Direct SmartMiles||£1,529||Acorn||£1,767|
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 were gathered from plans from the following car insurance companies:
- Academy Insurance
- Acorn Insurance
- Advance Insurance
- Brightside Car Insurance
- Carrot Insurance
- Churchill Insurance
- City Insurance
- Endsleigh Insurance
- Entire Cover
- esure broker
- Flux Direct
- General Accident
- Get Cover Telematics
- Go Girl
- Hastings Direct
- HR Insurance
- Insurance Factory
- Insure Pink
- More Th>n Smart Wheels
- 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
Cheap Car Insurance in Your Area
Quickly compare up to 99 insurance providers.