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Car insurance for new drivers

MoneySuperMarket’s latest data (June 2017) shows the average annual premium for a new driver aged 17 to 24 is £1,183. Insurers base car insurance premiums on potential risk, which is why the cost of insurance for a young driver is typically higher.

MoneySuperMarket data. Correct as of June 2017

Why is car insurance so expensive for new drivers?

Inexperienced motorists are seen as a big risk for insurers and this is reflected in the price of car insurance for new drivers. If you are aged between 18 and 21, for example, then you make up 70% of claims for fully comprehensive insurance – the reason behind the high price of premiums.
Statistically speaking, one in five new drivers is involved in a crash within 12 months of passing their test. What’s more, motorists between the ages of 17 and 24 are responsible for a third of all fatalities on the road. But, there are a number of ways you can reduce the cost of cover by undertaking cost-cutting steps, as detailed below.

MoneySuperMarket data. Correct as of June 2017

Consider black box insurance

Telematics insurance is a relatively new form of car insurance where a vehicle is fitted with a ‘black box’ data recording device which is about the size of a smartphone. The device records driving performance – taking into account whether speed limits are adhered to and also monitoring cornering and braking.
This helps the insurer build up a profile of the policyholder and offer them premiums which take into account their overall performance and the statistical likelihood of them being involved in accidents.