Young Drivers Insurance

Car Insurance for Ages 17-25

For young drivers aged 17-25, the premium for car insurance is usually higher than average as young drivers are considered a greater risk of being involved in an accident. Other than having less time on the road, young drivers aged 17-25 are known for taking more chances and having less experience spotting hazards. However, with the right advice, you can keep the cost down and find the best policy for you.

At Call Wiser, we work with a panel of leading insurance providers to help you find the best young drivers car insurance policy in the UK. Insurers are generally very wary of drivers under 25, both male and female, so it pays to use a broker who can shop around and do a comparison for you and find the best deals.

Based in Andover, Hampshire, we have a team of car insurance specialists waiting to take your call. So, whether you call us directly or get an online quote, our agents or quote form will ask a few basic questions about the young driver, the vehicle, and claims history, if any, so that we can give you a number of quotes on the same day. The calls are completely free from a landline, the quotes are no obligation, and we can help you get the best price on car insurance for a young driver.

It’s Worth Getting a New Policy Each Year

It might be convenient to simply renew your existing insurance policy, but for drivers aged between 17-25, you should be able to get a much better premium provided that you have not made any claims. Plus, signing up to a new insurance company may give you some nice introductory add-ons.

Insurers will usually send you a letter or email a few weeks leading up to your renewal. At this point, it is worth considering your options and speaking to one of our insurance experts to see if you can get an even better rate.

How to Lower the Cost of Car Insurance for Young Drivers

Car insurance for young drivers aged between 17-25 is typically around £1,200 per year* – but this price can be reduced following a few basic steps:

Adding additional drivers

Having an additional driver such as a parent can lower the cost of the premium, especially if that extra driver has a lot of experience under their belt and has a history of few claims made. However, parent drivers must be aware of pretending to be the main driver of the vehicle when they are not. This is known as ‘fronting’ and is seen as an illegal tactic to lower the cost of car insurance for young drivers and can lead to prosecution.
Black box insurance

This involves installing a little telematics box in your car, which looks like a little black box. The technology uses satellites to measure your usage and insurers can use this to provide the most accurate and sometimes more cost-effective premium.
Drive safely

This might seem obvious but driving safely during your first years as a young driver can reduce the cost of your car insurance. This is because as soon as you have accidents and start building up claims, the greater risk you become and the more it costs to insure your vehicle. It is therefore important to try and limit your claims so you can be eligible for a no claims bonus in the future, which in turn will reduce your car insurance premiums.
Take extra courses

There are extra driving courses that young drivers can take. For instance, The Pass Plus Scheme takes 6 hours to complete and is recognised by some of the car insurers we work with who will consider you a better driver as a result and reward you with a more competitive premium. This course is available for around £180 from any driving instructor and may entitle you to a discount through your insurance.
Avoid car modifications

Young drivers can always be tempted to modify their vehicle with lights, wheels, speakers and more. However, the additional modifications will naturally increase the cost of your premium because the vehicle will be worth more, and more expensive to replace parts in the event of an accident. With this in mind, it is worthwhile to avoid modifying the car if reducing the cost of your car insurance is a priority.
Pay in full rather than monthly payments

Insurers will give you the option to pay your young driver’s car insurance in full or in monthly payments. Whilst paying in monthly instalments provides a flexible payment method, insurers may add a cost of up to 20% so it’s worth trying to pay the balance in full whether it’s through your savings or borrowing money from your parents.