Good Insurance Companies For First Time Drivers

Good Insurance Companies For First Time Drivers - Most teenagers can't wait to get behind the wheel of their first car. What can affect their enjoyment is getting affordable car insurance. Unfortunately, car insurance can be expensive for young drivers. But there are great deals to be found on the market if you know where to look.

For this research, we analyzed quotes from over 50 car insurance companies available on 2 major comparison sites to find the cheapest comprehensive plans in major cities in England for new and young drivers.

Good Insurance Companies For First Time Drivers

The team collected sample quotes from more than 50 UK car insurance companies to find out which were the most affordable for young drivers, based on 18-year-old students. The results show that of these, the cheapest brand of car insurance for young drivers is general accident (GA) insurance. The combined data shows that GA is on average around 62% cheaper than the average of the prices received by all young drivers and as much as 18% cheaper than the average of the 3 cheapest car insurance offers for young drivers.

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Some of the brands come from the UK's biggest car insurers, for example General Accident is part of Aviva, while Churchill and Privilege are part of Direct Line. You will find that these large car insurance companies may not compete on young driver rates through their parent company's regular car insurance or brands (such as Aviva or Direct Line), but they may have offers through these other brands (such as ., General Accident or Privilege).

In the table below you can see the 15 cheapest young driver insurance companies from our research and their premiums and premiums for our sample of young drivers. Note that your offer may vary greatly and you may find the cheapest alternative supplier. The quotes in this article represent data from our sample drivers and should be used for informational purposes only.

Unfortunately, not every cheap insurance company is 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 were offered 45% lower prices, meaning that in some areas most insurers will not offer young drivers cover. In addition, the average cost of young driver insurance in Manchester is more than 2 times the cost of insurance in some other large cities in England. Read more in our article on comparing car insurance costs for young drivers by region.

According to our research, general accident insurance is the cheapest insurer for young drivers in Birmingham, Leeds, Sheffield, Bradford, Manchester and Liverpool. Across the city, the average cost of GA was £1,569 for young drivers, almost 63% less than the average cost of all insurers in our study.

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If you live in any of these areas, GA may be your best bet for affordable insurance. But More Than's Smart Wheels, Churchill Drivesure and Ingenie are also competitive car insurance alternatives for young drivers, with the second, third and fourth cheapest average car insurance for young drivers in the North of England respectively.

For those living in the South West or South East, General Accident is also usually the cheapest car insurance for young drivers. In London and Bristol, GA rates for our sample of young drivers were £1,027 and £991 respectively.

The cheapest insurance in your city may not actually reflect the cheapest insurance companies we have listed above. While General Accident, More Th>n Smart Wheels and Ingenie are usually in the top three in major English cities, some brands are cheaper but only cover certain areas. Check below to see what the best options are in your area.

If you haven't bought a car yet, choose carefully as the price of insurance can vary greatly depending on the make and model of your car. And you might be surprised by the price difference. 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 on How much does it cost to insure the most popular vehicles in the UK?

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Add a responsible driver, such as a mother, father or sibling, to your policy. You may see your quote drop by 50% or more, but this varies greatly from insurer to insurer and depends on other information on your application. But it's worth looking into.

Installing a black box or telematics system, as called for in most of the plans in this study, could reduce car insurance costs for young drivers. Using a black box, insurance companies can collect data about your driving style, such as speed, smooth braking, how long you drive, how often you use the car and how long you drive without a break. If they think your driving is too risky, they can cancel your policy.

Do not include yourself as a named driver on a policy in your parent's name if you are actually the primary driver of the vehicle. This is known as "fronting" and is illegal. If you are involved in an accident, your insurance will be void and the insurance company will not pay compensation.

To find out how much young drivers typically pay for comprehensive car insurance and choose the cheapest car insurance company, we've compiled a list of 18-year-old male drivers with a full UK driving license in 2015. example of the most popular car Ford Fiesta. car in UK. In total, we collect over 300 offers for drivers based in London, Birmingham, Leeds, Sheffield, Bradford, Manchester, Liverpool, Bristol, Newcastle and Sunderland who drive less than 5,000 miles a year. Quotes include free car, breakdown, personal accident and legal cover.

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The guides on this site are based on our own analysis and are intended to help you identify your options and narrow down your options. We do not advise or tell you which products to buy; do your due diligence before entering into any agreement. Read our full announcement here.

Advertiser Disclosure: Authorized and regulated by the Financial Conduct Authority (FCA), FCA FRN 797621. is a research and data based personal finance website. The reviews on this site are based on our own analysis and opinion, focusing on product features and pricing rather than service. Some of the offers displayed on this site are from companies that receive compensation. This compensation may affect how and where offers are displayed on this site (for example, the order in which they are displayed). For more information, see the advertiser's announcement. The Site may not review or include all companies or all available products. While we make every effort to provide complete and up-to-date product information, prices and terms may change after we post, so always check with your supplier. Users should ensure that they do their due diligence before entering into any agreement. Car insurance companies consider several factors to determine rates, including driving experience. First-time drivers pay higher premiums because they are more likely to crash. For insurance purposes, newly licensed teenagers, immigrants and foreigners, older drivers who have never held a driver's license, or those with driving or insurance deficiencies are considered new drivers.

We collect tens of thousands of auto insurance quotes from every zip code in Texas to find the lowest rates. Rates apply to new drivers aged 16, 17, 18, 21, 25, 35, 45 and 55, as well as 16-year-old drivers based on two 50-year-old parents.

Allstate offers the cheapest minimum car insurance rates for first-time drivers under the age of 25. On average, new drivers can expect to pay $2,743 per year for insurance. But the Allstate policy costs 56% less at $1,205 per year.

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New drivers looking to purchase comprehensive coverage can get the best rates with State Farm, whose policy costs $3,308 per year or $276 per month. The average coverage for comprehensive coverage is nearly double the State Farm rate at $6,527 per year.

A minimum liability policy is usually the least expensive form of coverage because it provides the lowest level of coverage you can legally carry in your state. Affordable rates can make minimum car insurance seem like the best option, but if you get into an accident, you could end up paying more out of pocket in the long run.

First-time drivers over the age of 25 can get the cheapest minimum car insurance with Allstate. The company charges $395 per year, which is 62% less than the average price we get.

State Farm has the lowest rates on all insurance policies. New drivers pay $1,398 a year, making the state $1,000 less than the average.

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There is no age limit for sharing a car insurance policy with your parents, so as long as you live in the same house, you can share a policy. You will need to get your policy when you move out, unless you still have a policy

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