Teenage car insurance
Whether you're still learning or have already passed your driving test, if you're a teenage driver looking for your first car insurance, or a parent trying to help their child get the best deal, it's good to know you've got options.
- Black box policies can be a great way for a teen driver to save money when they start driving
- We understand that for some new drivers, a non-black box policy works best for them
- Short-term policies for learner drivers to practice in your own car or a parent or friend's
Young driver insurance
Policies without a black box
Standard insurance policies designed for young drivers between 17-24 years old.
Suitable for young drivers who prefer not to have their driving monitored or already have some driving experience.
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Black box insurance
Telematics policies
Policies that use a small device in your car, or an app on your phone, to monitor driving behaviour.
Insurers base their renewal premiums on driving performance, rather than just age and experience.
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Temporary insurance
Flexible short-term policies
Cover for drivers on their own car or someone else’s.
Cost-effective if annual cover is too expensive, you don’t drive very often, or you want to use someone else’s car without risking their no claims bonus.
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Not sure which policy is right for you?
You'll probably find car insurance a bit confusing when you first look into it - it's not always easy to know which type of policy is best for you.
If often depends on your circumstances, so we've written a guide to the pros and cons of black box car insurance to help you choose.
Why is insurance more expensive for teenagers?
It's hard for young drivers. Whether you’re still learning to drive or just passed your test, finding cheap car insurance for teens can be challenging. Until you have a bit more experience under your belt, you’re considered a higher risk driver.
Statistically, this is true – unfortunately this age group does have more accidents. Luckily, there are a wide range of insurers willing to look at teen drivers as individuals rather than a statistic.
Tips for a lower premium
Improve your driving skills with Pass Plus
If you’ve recently passed your test, you can take part in the PassPlus scheme. PassPlus is a practical training course aimed at helping newly qualified drivers develop their driving skills and drive more safely.
Some insurers recognise that teenage drivers who complete PassPlus are committed to driving responsibly and this may help you to get a discount.
Your car
Any car which poses a lower risk of an accident or less of a temptation to thieves will be cheaper to insure. So choose a car with a good safety rating (newer cars have better ratings, if you can afford one), a smaller engine and good environmental credentials. Avoid fast, sporty cars, cars that are expensive to repair, and cars that are often targeted by thieves.