Insurance For Young Male Drivers - Most teenagers can't wait to get behind the wheel of their first car. What can curb their happiness is getting an affordable car insurance policy. Unfortunately, car insurance can be expensive for young drivers. However, there are some good deals on the market if you know where to look.
For this study, it analyzed quotes from more than 50 motor insurers on two major comparison sites to find the cheapest comprehensive plans in major UK cities for the new young driver.
Insurance For Young Male Drivers
The team collected sample quotes from over 50 UK car insurers to find out which were the most affordable for young drivers, based on an 18-year-old male student. The results show that the cheapest car insurance brand for young drivers is General Accident Insurance (GA). A look at the data shows that on average GA is around 62% cheaper than the average of all young driver quotes and even 18% cheaper than the average of the 3 cheapest car insurance quotes for young drivers.
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Some brands come from the UK's biggest car insurers - for example, General Accident is part of Aviva and Churchill, and Advantage is part of Direct Line. These big car insurance companies may not compete on price for young drivers with their normal car insurance or parent brand (eg Aviva or Direct Line) but may get discounts from other brands (eg General Accident) or Benefit. .
In the table below, you can see the 15 cheapest young driver insurance companies included in our study, as well as their premiums and excess in our young driver example. Please note that your quotes may vary widely, and another provider may offer the lowest price for you. The quotes in this article reflect data from our sample drive and are for information purposes only.
Unfortunately, not all cheap insurers are available in all areas of the UK. For example, in our study of England's 10 biggest cities, we found that young drivers in Manchester received 45% fewer quotes - meaning most insurers simply don't offer cover for young drivers in certain areas. Also, average young driver insurance quotes in Manchester are more than double the price of insurance in other major cities in England. Read more in our article on the comparison of young driver car insurance costs by region.
According to our research, General Accident Insurance is the cheapest general insurance for young drivers in Birmingham, Leeds, Sheffield, Bradford, Manchester and Liverpool. The average cost of GA in these cities was £1,569 per young driver, almost 63% less than the average cost for all professions in our survey.
Tips To Reduce Teen Driver Insurance Rates
If you live in these areas, GA may be your best bet for affordable insurance. However, More than Smart Wheels, Churchill Drivesure and Ingenie remain competitive choices for young drivers' car insurance and are the second, third and fourth cheapest average car insurance for young drivers in the North of England.
For those in the Southwest or Southeast, general accident is often the cheapest car insurance for young drivers. GA rates in London and Bristol are £1,027 and £991 respectively for our young driver sample.
The cheapest insurance in your city may not reflect the cheapest GPs listed above. While General Accident, Few Th>n Smart Wheels and Ingenie are usually the top three in England's major cities, there are brands that are cheaper but only cover certain areas. Find out which is best for your area below.
If you haven't bought a car yet, choose carefully because the cost of insurance can vary significantly depending on the make and model of your car. And you might be surprised at the price differences. For example, the increasingly popular Ford Fiesta costs an average of £200 less per year to insure than the Ford Focus. For more information, read our article How much does it cost to inspect the UK's most popular cars?
Things To Know About Car Insurance
Add a responsible driver to your policy, such as your mother, father or sibling. The quote may be reduced by 50% or more, but this varies widely from insurer to insurer and depends on other details of the application. It's definitely worth a look though.
Installing a black box or telematics system, as most plans in the study call for, could reduce the cost of car insurance for young drivers. With the help of the black box, the insurer is able to collect data about the driver's body, such as speed, slowness, time of day when he drives, how often he uses his car and how long he drives without a break. . If they find driving too dangerous, they can cancel the policy.
Do not list yourself as a named driver on a parent's name policy if you are actually the primary driver of the vehicle. This is called “fronting” and is illegal. If you have an accident, your coverage will be void and the insurer will not pay the bill.
To determine what a young driver would typically pay for comprehensive car insurance and to choose the cheapest car insurance companies, we've put together quotes for the example of an 18-year-old male driver with a UK license driving a Ford Fiesta 2015. , the UK's most popular car. In total, we receive over 300 quotes from drivers in London, Birmingham, Leeds, Sheffield, Bradford, Manchester, Liverpool, Bristol, Newcastle and Sunderland who drive less than 5,000 miles per year. Quotes include courtesy car, breakdown, personal accident and legal cover.
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The guidance on this page is based on our own analysis and is intended to help you identify opportunities and narrow down your choices. We do not advise or tell you which product to buy; do your own due diligence before entering into any contract. Read our full announcement here.
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Write about Carol Pope Write about Carol Pope. Arrow Right Insurance Writer Carol Pope is the group's insurance writer and spent 12 years as an auto insurance agent before joining the group. During this time, he sold, serviced and provided car insurance to people across the country. He is also experienced in selling additional cover such as umbrella insurance. Contact Carol Pope at Carol Pope by email
Edited by Amy Sims Edited by Amy SimsArrow Editor-in-Chief Amy Sims is a managing editor who leads the team responsible for creating educational content. Amy Sims
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