29 Sep

How to Keep Insurance Prices Down for Young Drivers

Short Term Car Insurance

Insurance is about risk. Insurers are gamblers, who are betting that you will not need to make a claim. The fact is, you probably won’t – most people don’t have cause to claim all that often.

Despite this, insurers need to charge enough that they are confident in their gamble. That means that if you are a ‘higher risk’, they are going to charge you more. For younger drivers – anyone under the age of 25 – you are considered to be a higher risk than an older driver. Drivers under the age of 26 pay an average of £810 a month. Temporary insurance can work out at much less than this.

However, there are things you can do to reduce the amount you will need to pay if you are a younger driver. Insurers take a lot of factors into consideration besides your age.

Look around

One of the most important things to consider is the full range of options available to you. Different insurers have different opinions and priorities. That means that they are likely to charge different amounts for the exact same cover. Doing a more comprehensive search of the market is likely to bring more affordable offers on young driver car insurance than a basic search.

Time it right

When you choose to look for insurance affects the prices that you receive. If you choose to look for insurance in the last few days before your insurance is due to renew, you are likely to get prices that are higher than if you look further in advance.

However, if you look too far in advance, your insurance premiums could be higher than if you looked a little closer to the deadline. The sweet-spot seems to be around 20-24 days before your insurance policy is going to renew.

Consider Drivers

Younger drivers are a risk to insurers because they are less experienced. Less experienced drivers are more likely to have an accident. If you include a more experienced driver on your policy – such as a parent or relative – many insurance companies will see this as a positive. Their experience can lower your insurance premium.

Be careful not to make the mistake of listing an additional driver as the main driver of your car if they are not. This is known as ‘Fronting’. Make sure that if you list another person on their insurance, then the person who drives the car the most is listed as the ‘main driver’.


Fitting a telematics device – known as a ‘black box’ – can help to lower the price of young driver car insurance. A telematics device is a tool to measure how you drive. If you drive in a manner that the insurance company deems sensible, then you can get cheaper car insurance.

However, you do need to keep to the rules that the insurer sets. If you drive faster than the recommended speeds, or in a way that is against the rules, you will receive much higher quotes when it is time to renew.


The price you pay for your insurance depends on the excess that you are willing to pay. If you accept a higher excess, then you are likely to get lower insurance premiums.

The excess is the amount of any claim that you are willing to pay yourself. Anything above the excess will be paid by the insurer. A higher excess will usually reduce your insurance premium because it reduces the amount that the insurer needs to pay in the event of a claim.

Do you need permanent insurance?

Finally, perhaps the most important question. Do you need to buy permanent insurance? Most young drivers only consider traditional insurance policies. However, if you do not drive every day, or only inconsistently, there is no point in paying for insurance all the time. If you drive someone else’s car occasionally, then there is no need for you to get insured permanently.

Temporary insurance covers you for the time that you need – and not for the time that you don’t need. For many young drivers, insuring yourself for specific periods of time is more efficient and affordable.

Find out how if temporary insurance would suit you, and how much you could save.

Get a quote today