We've reviewed and ranked the best car insurance for young drivers to help you find the best policy in 2022.
Three of the best car insurance policies for young drivers
The rest of the Best
- Co-op Young Driver Insurance
- Churchill DriveSure Insurance
- Tesco Bank Box Insurance
- RAC Black Box Car Insurance
- Driver Wiser Black Box Insurance
- Wise Driving Young Driver Car Insurance
- Marmalade Young Driver Insurance
- Insure The Box Black Box Insurance
In this guide
- The best car insurance for young drivers 2022
- The rest of the best
- How we created our list of the best car insurance for young drivers providers
- What is young drivers insurance?
- Is young driver insurance right for you?
- How can you compare Young Drivers Car Insurance?
- Companies that offer black box car insurance for young drivers
- How does a black box work?
- Can young drivers get insurance without one?
- Young drivers car insurance reviews
How we created our list of the best car insurance for young drivers providers
Trying to find the right young drivers insurance can be a challenge. Luckily there are several ways for young drivers to get insurance. They can:
- Choose any standard insurer and policy, but this is likely to be more expensive.
- Get a policy that is specifically aimed at young drivers. These are often black box policies that can be cheaper but set restrictions on your driving such as when and where you can drive.
- Get a parent to take out a policy and the young person be added onto the insurance as a named driver. While this has its benefits, this can get complicated and only works if you have a parent that is willing to do so.
We chose to look at policies aimed specifically at young drivers, some of which are black box insurance policies.
We outlined a set of requirements that we felt all our insurers had to hit for their policies. We’ve only included insurers that:
- Offered free installation for black boxes
- Regular updates on driving via an app, dashboard or emails
- Didn’t enforce curfews however driving between certain hours may still affect your driving score
Other factors we considered for our list included:
- Discounts at renewal for safe driving
- Optional courtesy car if needed
- Theft tracking and recovery if your car is stolen
- Windscreen repair excess of of no more than £25
- Courtesy car provided as standard
- At least £100 cover for lost keys
What is young drivers insurance?
The term ‘young drivers’ often refers to anyone aged between 17 and 25, who holds either a provisional or full UK driving license. While this article is for young drivers who hold a full driving licence, read our guide to learner driver car insurance if you hold a provisional licence.
In a bid to help get young drivers behind the wheel without breaking the bank, many insurance companies offer tailored policies to help save money. These usually include the installation of black boxes, which monitor things like your speed, how sharply you brake and take corners, as well as the time of day that you drive and the length of your journey.
Due to age and lack of experience, many young drivers are deemed to have a higher risk of accidents and are more expensive to insure. According to Green Pass Training, one in four 18 to 24-year-olds are involved in a collision within two years of taking their test. This means that whether you’re a safe driver or not, your premiums are likely going to be expensive as they’re influenced by the actions of other drivers.
Is young driver insurance right for you?
Deciding whether or not you want young drivers insurance as opposed to standard car insurance or black box insurance is a personal decision. Young drivers, on average, are more than likely to make some sort of saving in comparison to taking out a standard car insurance policy.
While many young driver policies feature black boxes, it’s important to understand whether a black box is something you would like in your car. Many drivers claim that the constant tracking, curfews and mileage limits make it difficult to gain rewards and some drivers don’t like having their every move traced.
You can weigh up the pros and cons of black box insurance by reading our guide to the best black box insurance. If you’re not sure if telematics is for you, read our guide to the best UK car insurance companies to get a deal that’s right for you.
How can you compare Young Drivers Car Insurance?
As in most markets where prices are high, several insurers are competing with each other to appeal to potential customers. For many, the huge number of car insurance companies is not just bewildering but can largely be unhelpful.
This is where price comparison websites, such as Confused.com or Gocompare.com can help you find the best deal that’s suited to you. Once you’ve entered your details, you’ll receive quotes from insurers who are, in effect, all competing for your business.
However, there can be some limitations when it comes to comparison websites. Although they may be cheaper than the rest, many insurance companies may not offer the appropriate levels of cover that you need.
Some insurers, like Aviva & Direct Line, aren’t on price comparison websites.
Companies that offer black box car insurance for young drivers
Black box insurance, also known as telematics, enables insurers to track and measure your driving style. It records things like your location, vehicle speed, how hard you apply the brakes and how sharply a driver takes corners.
Black box insurance policies typically re-assess the price of insurance based on the data from the black box — either monthly, quarterly, or annually. Generally, driving shorter distances, at lower speeds, during the day as opposed to at night, with controlled acceleration and cornering, results in lower insurance premiums over time and at the point of renewal.
Some of the companies in our top young drivers' insurance list who offer black box insurance include:
- Direct Line DrivePlus Black Box Insurance
- Churchill DriveSure Insurance
- Hastings Direct SmartMiles Insurance
- Admiral LittleBox Insurance
Learn more about black box insurance and everything it has to offer.
How does a black box work?
By tracking your car's movements through GPS, your black box will record how you drive and produce a driving score. This score is calculated by taking into account factors like:
- How you anticipate traffic — Avoiding extreme acceleration and harsh braking will lead to smoother driving and a better driving score.
- Your speed — This is compared to other road users. If you’re driving at the same speed as other road users and with the flow of traffic.
- The time of day that you drive — This looks and tracks issues presented by other road users. Late-night journeys, for example, are riskier than driving in the middle of the day.
- Journey length — If you’re regularly making long journeys. To avoid driving fatigue, it’s important to take regular breaks.
- Road risks — This measures the complexity of the roads you travel by.
Most insurers will give you feedback on your driving either through an online dashboard, an app or emails. Here you’ll be able to see what areas you need to improve on and how well you drive based on the factors above.
Many black boxes can monitor where and when your vehicle is driven, which means that it can also act as a tracking device if your car is stolen. It can also act as evidence if you’re involved in an accident, meaning it could help you to settle any potential disputes with other drivers.
Can young drivers get insurance without one?
If you’re aged 18 to 21 and want an insurance option that doesn’t include a black box, there may be a few options for you to choose from.
Standard car insurance policies can be a viable option to look at. However, they also come with several limitations:
- Your age can impact your premium — Statistically, being a young driver means you’re more at risk of accidents. Due to lack of experience on the roads as well as other drivers in this age bracket recording a high number of accidents, on average premiums for younger drivers will be higher.
- Limited car options — Because the risks are so high to insure a young driver, some car insurance companies limit the age, make and models of cars that you can purchase.
You can lower the cost of your car insurance by:
- Smaller, less powerful cars — A smaller and less powerful car will more than likely lower your premium. This is because it’s less likely to be involved in an accident if performance is restricted, parts won’t cost as much to replace and it’s deemed less likely to be stolen by thieves. Read our guide to car insurance groups to decide which car is best for you.
- Adding a named driver — Adding an experienced driver to your policy will show your insurer that you won’t be the only person using the car. As an experienced driver is classed as a lower risk of accidents compared to a new driver, this will automatically make you appear as a lower risk, too.
- Drive fewer miles — The more miles you drive, the higher your insurance is likely to be as you’re at more of a risk of being involved in an accident. If you drive fewer miles, your premium will be reduced.
- Store your car in a safe place — Where you store your car can also impact how much your insurance is going to cost. If your address has off-street parking, such as a drive or garage, you’re likely to receive a lower quote than if you were to park on the street. This is because parking on the street is deemed to be a higher risk of being stolen or involved in an accident.
Young drivers car insurance reviews
Directline DrivePlus insurance review
Direct Line DrivePlus Black Box Insurance offers comprehensive cover by using telematics technology to help get young drivers on the road for less.
Its DrivePlus insurance includes:
- A downloadable app, which means there’s no need for a black box. Simply carry your phone with you for every journey and the app works in the background.
- No curfews but you may be penalised for driving during times of the day that are considered to be more dangerous including late at night, early in the morning and during rush hour.
- Discount at renewal for driving safely.
The DrivePlus app can also measure your mobile phone usage in the car. Even if you answer a call hands-free, this feature tracks all instances of phone calls and any physical use of the phone while driving.
On the customer review page Trustpilot, Direct Line currently has a 4.3 out of 5 stars rating with an overall percentage of 65% of customers rating the service as “Excellent”. However, these ratings are based on all of Direct Line’s insurance policies (true as of July 2021).
Co-op Young Driver insurance review
Co-op Young Driver Insurance has no curfews, but your safe driving score may be affected if you drive between 11 pm and 5 am. It may also offer you car insurance with no black box, as early as your second renewal, depending on your driving score. There is also no fee for fitting the black box.
You can earn discounts off your premium by safe driving and keeping your driving score high, and Co-op also has theft tracking within their black boxes so your car can easily be located if it’s stolen.
Co-op Car Insurance has a rating of 1.4 out of 5-star rating on ReviewCentre, with 12% of users recommending the service. Co-op Insurance is rated ‘Bad’ on Trustpilot with an overall rating of 1.4 out of 5 stars. Both figures are correct as of July 2021.
Churchill DriveSure insurance review
Churchill DriveSure Insurance offers telematics insurance that’s designed to get young drivers on the road.
Its DriveSure policy includes:
- The DriveSure app — this works in the background to record details on your journey. Just simply take your phone with you wherever you go.
- Upfront discounts at renewal for good driving, as well as a discount in your first year providing you’ve passed your driving test.
- No curfews but you may be penalised for driving late at night.
- You can also add optional extras like accidental damage to your policy.
On the reviewer website ReviewCentre, Churchill was rated 1.5 stars out of 5, based on 330 reviews, with 16% of users recommending the service. Churchill is rated “Excellent” by over 70% of respondents on Trustpilot based on over 5,400 reviews. Both figures are correct as of July 2021, and both reviewer sites are for all Churchill services.
Marmalade Young Driver insurance review
Marmalade Young Driver Insurance, also known as their black box insurance, claims that it can save young drivers over £700. There are also no night-time restrictions or curfews, meaning you can drive 24/7 as well as sending you a free, self-fitting black box.
It also states that there is an additional discount at renewal for their safest drivers and they have both an app and dashboard to track your driving score.
On Trustpilot, Marmalade has a 4.5 out of 5-star rating with over 6,400 reviews and an overall rating of ‘Excellent’ based on over 6,400 reviews. This is for all of the insurance options that Marmalade offer and all statistics are correct as of July 2021.
Tesco Bank Box insurance review
Tesco Bank Box Insurance covers young drivers between the age of 17 and 29.
Its black box insurance includes:
- Full comprehensive cover for young drivers.
- Opt-in for a particular amount of miles: these range from 6,000, 8,000 or 10,000 depending on how much driving you do.
- An online portal feature which allows you to get feedback on your driving.
- Guaranteed discount for Clubcard members.
- The black box also works as a theft tracking device should your car be stolen.
You can also earn up to 100 bonus miles a month for safe driving as well as getting access to their 24/7 UK based accident helpline.
Trustpilot ranked Tesco Bank with an overall rating of ‘Poor’ based on 255 reviews and 2 stars out of 5 for their services. Bear in mind that both review sites based their rankings on all of Tesco’s coverage options and Bank handlings, not just exclusively the Black Box insurance (correct as of July 2021).
Admiral LittleBox insurance review
Admiral LittleBox Insurance has theft-tracking technology, so if your car is stolen you’ll be able to track its location. There are also no curfews with LittleBox but driving after 10 pm may reduce your driving score. It also lets you pick your maximum mileage — although it has to be over 1,900 miles a year.
Admiral also offers discounted insurance at the point of renewal for the best drivers who have demonstrated safe driving.
Admiral has a rating of 3.6 on both reviewer websites Trustpilot and ReviewCentre with 69% of users recommending the Admiral service (correct as of July 2021). All ratings are based on all of Admirals insurance policies, not just its LittleBox insurance.
RAC Black Box insurance review
RAC Black Box Car Insurance has no curfews, meaning you can drive whenever you like as well as choosing your own mileage limit, too. They offer free installation on their matchbox size black box that fits behind your dashboard and you won’t lose your no claims discount if your car is vandalised.
The app can help you find your car if you’ve lost it in a car park, for example. Drivers also have the RAC’s uninsured driver promise. It also offers 12 months of free RAC Breakdown cover when taking out black box insurance.
The RAC has a score of 4.3 out of 5 stars on Trustpilot overall rating the service as ‘Excellent’ with over 68,200 reviews. This is for all of the products the RAC sells and isn’t exclusive to just their black box insurance.
On ReviewCentre, however, RAC Car Insurance received just 1.3 out of 5 stars based on 248 reviews, with only 7% of users recommending the service. All information is correct as of July 2021.
Drive Wiser Black Box insurance review
Driver Wiser Black Box Insurance has no mileage limit and no curfew. It has an online personal driver dashboard where you can track your driving progress and you’ll receive weekly driving updates by email. It will also let you know when your driving behaviour breaks the law and it also offers a discount at renewal, based on the driving data they collect over 12 months. Most recently, Be Wiser bought Coverbox, which explains why the domain has remained as coverbox.co.uk.
Driver Wiser Insurance was rated 1.9 out of 5 stars on Trustpilot. It has an overall rating of ‘Poor’ with over 30 reviews, however, 81% of respondents claim the service as “Bad”. There have been no recent reviews since June 2020 (true as of July 2021).
Wise Driving Young Driver insurance review
Wise Driving Young Driver Car Insurance states that getting cheap car insurance as a young driver is nearly impossible.
Its Young Driver insurance includes:
- A personalised dashboard that will provide you with daily updates on your driving and how you can improve.
- The best prices upfront as they assume you are a safe driver.
- A trackable black box so if your car is stolen it can be easily located.
- If you improve on your Driving Behaviour Score each month, you may earn reductions on your premiums when it’s time to renew.
Wise Driving has a rating of 3.8 out of 5 stars on Trustpilot based on over 3,800 reviews. 59% of respondents would rate the service as “Excellent” (correct as of July 2021).
Hastings SmartMiles insurance review
Hastings Direct SmartMiles Insurance black box installation is included in the price and has theft tracking technology so your car can be easily located if it’s stolen. Your box will also record any data about your driving style and give you a score out of 100. You also have comprehensive cover when you take out a SmartMiles insurance policy.
Some other features of their black box insurance include:
- Contents cover up to £300.
- Windscreen repair and replacement.
- Online dashboard and mobile app to track and monitor your driving score.
- Vandalism and uninsured driver cover, protecting your no claims discount.
- Courtesy car should you be involved in an accident or your car is being fixed at a garage.
Hastings received 4.4 out of 5 stars on Trustpilot based on 90,000 reviews, as well as 4 out of 5 stars on ReviewCentre. Both sites rank Hastings on all its insurance policies, not just its SmartMiles insurance (true as of July 2021).
Insure The Box Black Box insurance review
Insure The Box Black Box Insurance lets you choose an initial mileage of 6,000, 8,000 or 10,000 miles, with the option to buy additional miles that can then be rolled over the following year. It also has no curfews, so you won’t be fined for driving late at night and you can be rewarded with up to 100 bonus miles each month for safe driving.
It also offers theft recovery if your car is stolen and has a built-in accident alert system if a strong, hard impact is sensed on your car. Insure The Box also has an online dashboard where you can check your driving score and learn how to improve.
On Trustpilot, Insure The Box was rated 1.8 out of 5 stars with an overall rating of “Poor” based on over 360 reviews (correct as of July 2021).