Car insurance for 18 year olds

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The day you turn 18 is a memorable day for you because you've now reached a milestone in your life. You are legally an adult and can from this day onward make your own decisions and do not require anyone to sign on your behalf. However not everything is good news and when it comes to car insurance, it certainly isn't.

Many young adults get the shock of their lives when they obtain a quote to insure a second hand car that they've just purchased. They might have bought an old banger for £1000 but the premiums to insure the vehicle is as high as £3000. Does that sound familiar? Well, let's face it, you're not alone!

If you've been wise though, you would already be holding a driving license for a year now since you are allowed to drive at seventeen. This would mean that by now you would have a whole year's driving experience together with a full year of no claims bonus (NCB) which would entitle you to a massive discount for your 18 year old car insurance quote.

However if you haven't been pro-active enough, you will have to face up to the fact that car insurance for young drivers like yourself is quite expensive since you are still inexperienced and regarded as very risky by the insurance industry. But don't lose hope just yet as there are ways to bring your car insurance down and make it more affordable.

Things you should try

  • Repeat after me - I will not buy just any car, I will buy a car that falls into the lower car insurance groups (Group 1-10)
  • Use a car insurance comparison website like GoCompare/Confused/MoneySuperMarket to check for quotes before you actually buy the car
  • Once you've got some quotes in, put onto the application form that you've done the Pass Plus course to see if that lowers your quote
  • Then add things like an alarm/immobiliser or tracker device to see what difference it makes
  • Try going for third party only (TP) or third party, fire & theft (TPFT) instead of a fully comprehensive policy
  • Increase your voluntary excess
  • Add any of your parents to your policy but remember that they need to be named drivers and not the main driver/policyholder

Now that you have an idea of how much you're likely to pay for your car insurance, it's time to check out the insurers which are not listed on the comparison websites. Here they are:

When you've received a decent quote, make sure that you haven't lied on the application form, that is, if you've said that you have a built-in tracker in your car, install one if you don't currently have one etc.

If the quotes are still expensive, then you will either have to take the plunge or don't drive at all. Remember that you won't always be an eighteen year old driver with a BIG FAT HIGH RISK sign on your forehead and things will change over time and your premiums will become much lower than what you're getting now provided you drive safely. It's the stupidity of some young drivers watching too much of Formula 1 that's caused the jump in quotes for others in the same age group but once you've established yourself to the insurers that you are not like them, you'll be treated differently.

gices Level 6
I'm a Software Developer and the co-founder of Clever Dodo. Born in Mauritius and now living in the UK, I usually blog about fitness, music, spirituality and driving topics to pass on my knowledge.

7 Replies

Vijayakumar Level 1

Quoted over £2500 as an eighteen 18 year old named driver?

I'm shocked to hear that my 18 year old has to pay over £2500 to start driving my car a named additional driver. Can you bring some sense to this madness and advice re getting a reasonable quote?

[Migrated from previous topic 11367 dated 02 Sep 2010]

klarko1969 Level 1

Try aviva insurance, I got 1000 knocked off from all the other quotes that were 2300

[Migrated from previous post 1227 dated 05 Sep 2010]

Aves Level 1

18 year old student car insurance


My name is Aves and I'm an 18 year old student and Directline won't even quote me on Nissan Micra 1.0 litre. So if there's any other cheapest site, please could you let me know? The cheapest I got quoted is £3,500 with Quinn Direct and it goes up and up.

[Migrated from previous topic 10679 dated 13 Sep 2009]

gices Level 6


Have you tried car comparison sites like GoCompare, Confused, Moneysupermarket and TescoCompare? If you haven't, then I suggest you try all of them because there are certain insurance companies which are not listed on some of them but listed on others. You will get a good idea by going to these 4 sites. If you still don't get a decent quote, then I suggest you try adding your parents (either mum or dad) as a named driver on your policy and see how that goes. If this still doesn't make much of a difference, then your only other option is to become a named driver yourself and have somebody else be the policyholder. The thing that you need to be careful with that though is by becoming a named driver, you are telling the insurance company that you'll be using the car not so frequently - the main driver will be using it more often than you and as long as you stick to that you will have no problems.

I suppose you've tried all other things like increasing your voluntary excess, putting less milleage for your car etc, haven't you?

[Migrated from previous post 559 dated 14 Sep 2009]

anonymous_2 Level 1

Phone them up, be a named driver and quotes alot cheaper

[Migrated from previous post 1322 dated 13 Oct 2010]

JanHilary Level 1

My nephew is 18 and about to become a qualified driver. He will have a Renault Clio LX51 XPP. His post code is KY16 9JF. He lives in a hall of residence where there is a car park. Can you indicate insurance costs for 1. fully comp and 2. 3rd party Many thanks, Jan Hilary

RyanSimmons Level 1

How or where can I obtain cheap car insurance for my 18 year old son?

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