Young driver insurance
Young driver insurance is ordinary car insurance priced for a driver aged 17 to 24. It costs several times the average because of a measured collision risk, and the things that reliably reduce it are the car, telematics and time, in that order.
Why it costs what it does
It is worth knowing the actual numbers rather than the folklore, because they explain the price and they also tell you what to do about it.
The Department for Transport publishes a younger driver factsheet every year. In 2025, 19% of all car driver fatalities were drivers aged 17 to 24, and 23% of fatalities from collisions involving a car driver came from a collision involving at least one younger driver. That is the risk an insurer is pricing, and it is why no amount of shopping around makes a 17-year-old cost the same as a 40-year-old.
The good news buried in that: the risk falls fast with experience, not with age alone. The premium follows it down.
Quoted versus paid, and why most figures you see are wrong
This trips up almost every article on this subject, so here it is plainly:
- The ABI reports premiums people actually paid. Its all-ages average was £566 in
- The price indices from comparison sites report premiums quoted. Confused.com's
Those are different measurements and they are not comparable. A quoted premium is the number before anybody chooses the cheapest, and the cheapest is what gets bought. If a page shows you one figure without saying which kind it is, it does not know either.
We do not publish either as though it were your price, because your price depends on you.
What actually reduces it
In rough order of how much difference it makes:
- The car. Insurance groups run 1 to 50 and the jump between a group 3 and a group 20 car
- Telematics. A black box policy prices you on how you actually drive rather than on your
- Time and no-claims. Each year without a claim compounds. This is also why building a
- Being honest on the form. Fronting, where a parent is named as the main driver of a car
The thing to do before you pass, not after
If you are still learning, an annual learner policy in your own name lets you start earning a no-claims bonus before you have a full licence. Collingwood and the RAC both state this on their own pages.
A year of no-claims when you pass is worth real money against the most expensive insurance most people ever buy, and almost nobody realises it is available. If you expect to take a while to pass, price that in rather than only comparing the monthly cost.
Compare what every learner provider publishes.
Every learner provider, on the same columns
From each provider's own published material, read on 18 September 2026. Nobody paid to be here.
| Provider | Ages | Cover lengths | Own car | Their car | Owner's NCB | Your NCB |
|---|---|---|---|---|---|---|
| AdmiralInsurer, routes to Veygosame product as Veygo | not published | not published | Yes | Yes | Yes | Not published |
| Adrian FluxSpecialist broker | 16 and over | Daily, monthly or annual, including 1 week policies | Yes | Yes | Yes | Not published |
| AvivaInsurer, resoldsame product as Dayinsure | not published | 1 day to 5 months | Yes | Yes | Yes | Not published |
| CollingwoodLearner specialist | 17 and over | 2 days to 12 months | Yes | Yes | Yes | Yes |
| CuvvaApp-based hourly cover | 17 to 50 | 1 to 3 hours at a time | No | Yes | Yes | Not published |
| DayinsureTemporary cover specialist | 17 to 50 | 1 hour to 30 days, and learner policies up to 5 months | Yes | Yes | Yes | Not published |
| GoShortyTemporary cover specialist | 17 to 75 | 1 hour to 24 weeks | Not published | Yes | Yes | Not published |
| Hastings DirectInsurer | not published | not published | Yes | Yes | Not published | Not published |
| Insure Learner DriverLearner specialist | not published | not published | Yes | Yes | Yes | Not published |
| MarmaladeYoung driver specialist | 17 to 34 | 30, 60, 90, 120, 180 or 240 days | No | Yes | Yes | Not published |
| RACMotoring brand, resoldsame product as Dayinsure | 17 and over | 1 day to 5 months | Yes | Yes | Yes | Yes |
| Sterling InsuranceBroker | not published | 30 days, 90 days or longer, to suit how long the test takes | Not published | Yes | Yes | Not published |
| TempcoverTemporary cover specialist | 17 to 75 | 1 hour to 28 days | Yes | Yes | Yes | Not published |
| VeygoLearner specialistsame product as Admiral | not published | By the hour, week or month, or a rolling monthly subscription | Not published | Yes | Yes | Not published |
coverednot coveredthe provider does not publish it
Risk figures are from the Department for Transport's younger driver factsheet. Premium figures are from the ABI (paid) and published price indices (quoted), and we say which is which every time. Provider facts come from each provider's own pages. How we check.