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Why is young driver insurance so expensive?

Are you a young driver between the ages of 17 and 24 wondering why your insurance quotes are sky high? Here is the main reason.

In 2018, Government statistics showed that 17% of all road traffic casualties were caused by drivers between the ages of 17-24. As a result of these statistics young drivers are seen as a considerably higher risk on the road, and as such their insurance premiums are higher than other age groups.

Another factor that will drive the price of your premiums up is their lack of driving experience. As a young driver, are just starting to build your no claims bonus, therefore you wont benefit of the discounts more mature, experienced drivers have.

How much is car insurance for young drivers in the UK?

Your quote can depend on your address, vehicle, and the type of cover you choose. Don’t assume that third party cover is going to be the cheapest for you. Instead, carefully consider your lifestyle and the level of security you’d need to feel at ease on the road.

vauxhall corsa parked outside, insured by Three Castles Cover young driver insurance
  • 2018 – £1027.81

  • 2019 – £989.58

  • 2020 – £969.66

The cheapest cars to insure

Insurers have placed all cars in an insurance group ranging from 0-50. Cars in the lower groups are the cheapest to insure for young drivers.

For young drivers, insurance can be a pain point. But with the cars below, your insurance quote shouldn’t be too high:

  • Ford KA.

  • Volkswagen Polo.

  • Skoda.

  • Fiat Panda Active.

  • Citroen C1.

  • Skoda Fabia Classic.

  • Toyota Aygo.

  • Vauxhall Corsa.

vw golf parked by the seaside. Insured by Three Castles young driver insurance

If you’re looking to get the cheapest young driver insurance, then the cars above are great starting points. If you get a different car do not be discouraged. Please reach out to us, we’d love to help you get on the road.

So how can you keep your car insurance premium down?

Smaller cars with modest engines are in lower insurance groups, which means they’ll be cheaper to insure.

Install a Thatcham approved alarm or tracker, as this will get you cheaper insurance quotes.

We strongly suggest you do not add any modification to the performance of your car as it’ll more likely increase your premium.

It takes time to build up a no claims discount bonus but you can get discounts for gaining further driving qualifications.

If you live with your parents, using our multi-car insurance can save you hundreds of pounds.

If you have a more experienced driver in your household, you can add them to your insurance as an additional driver. This may lower your insurance quotes.

Alternatively, if you can add yourself to their insurance as a named driver. Insurance quotes may be lowered here too.

Commonly known as black box car insurance. This type of insurance captures your driving data such as speed limit and braking and gives you a driving score at the end of each drive. The scores are then aggregated based on the 12 months of driving. This helps insurers asses whether you’re a safe driver or not. Please note that your driving score will impact your premium when it comes to the renewal date.


If you’d like to find out how we can save you money on your car insurance, contact our team on  03300 948 781.

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Other policies you may be interested in:

A red Classic Car insured under Three Castles Classic Car Insurance.
Audi A6 driving on the road, insured under Three Castles Cover's high value car insurance.
multiple cars parked outside, insured with Three Castles multi car insurance policy.