Car Insurance for 18-Year-Olds
As an 18-year-old new driver, chances are you’re facing high insurance premiums. Thankfully, we can help you get affordable car insurance for 18-year-olds – our black box insurance can help cut renewal premiums by up to 60%.
How much is car insurance for an 18-year-old?
When you’re 18 years old, car insurance is usually fairly expensive, with most premiums costing over £1,500 – and often much more than this. This is because young drivers statistically cause a higher proportion of accidents on the roads, meaning that insuring an 18-year-old is usually more risky.
At 18, it’s also unlikely that you’ve built up a driving history or no claims bonus (NCB), both of which can help to reduce your premiums. That being said, if you’ve been driving a moped or another vehicle, let us know and this can help reduce your insurance.
How can I get cheap car insurance at 18?
There are a number of ways you can reduce your insurance premiums:
Take out black box insurance: this can help prove that you’re a safe driver, which, in turn, will reduce your renewal premiums. With our telematics cover, you can rest assured that our cover doesn’t include restrictions like curfews, and you can see how much money you’re saving on the app.
Choose a car in a low insurance group: your insurance premiums are likely to be lower if you opt for a vehicle in a low insurance group as these are usually less powerful.
Join a car club or forum: we offer car club and forum members a discount of up to 15% on your insurance as we know that car enthusiasts will look after their pride and joy. There are a number of different clubs for all kinds of vehicles, including popular brands like Mini.
Take extra driving qualifications: additional driving courses such as Pass Plus and IAM Roadsmart can help you improve your road safety, which can help reduce your premiums. Read our blog on Pass Plus to find out more.
Speak directly to an insurance broker: although it might be tempting to go straight to a comparison site, speaking to an insurance broker like us can help you get a quote that’s tailored to your needs and budget.
Get a limited mileage policy: if you’re only planning on driving a few thousand miles a year, ask us about our limited mileage policy as this will save you money.
Why choose Adrian Flux for car insurance at 18?
As a specialist insurance broker, we provide car insurance for 18-year-olds at an affordable price. Our bespoke cover allows you to tailor your insurance to your needs and budget, and we also offer black box insurance that can bring down your premiums significantly.
- Affordable car insurance quotes: with over 50 years in the business, we can offer affordable car insurance for 18 year olds – either with a black box or without.
- We compare quotes for you: we compare quotes from a wide range of insurers, helping you get affordable cover without the hassle of filling in your own forms.
- Tailored policies: our policies are tailored to your needs, meaning you only pay for what you want.
- Specialist cover for unusual vehicles: if you’re a car enthusiast and you have a modified, classic or high-performance vehicle, we should be able to help.
What are the best cars for 18-year-olds when it comes to insurance?
There are a number of low-powered cars you can get as a new driver that would help keep your insurance premiums low. Read our blog on the best cars for new drivers for more information. Options include:
- Ford Focus
- Renault Clio
- Ford Fiesta
- Fiat 500
- Ford KA
- Nissan Micra
- VW Polo
Can I get classic car insurance at 18?
Yes, we offer classic car insurance to young drivers. Classic car insurance can be surprisingly affordable for 18-year-olds, and you might be able to benefit from tax and MOT exemptions, which would reduce your car running costs even further.
As classic car insurance specialists, we can help you get a great deal when you speak to us over the phone.
Can I get modified car insurance at 18?
Yes – although many insurance providers refuse to insure an 18-year-old with modified car insurance, as a specialist broker we’re able to cover you. If you’re a young driver facing high insurance premiums and you’re still willing to fork out the money to insure a modified car, we know that you’re likely to be a car enthusiast and will treat your vehicle well. This means we can often find you deals where others cannot.
FAQs
Your premiums probably won’t drop significantly between 17 years old and 18 as you’re still considered a relatively new driver.
Many suggest that the most significant drop in premiums happens when you’re around 25 years old. However, this will also depend on your driving history, such as any NCB you’ve built up, as well as other factors like how you use your vehicle, where you live, what you do, and if you have any points on your licence.
If you’re the parent or guardian of an 18-year-old and you want to add them to your insurance, you can add them as a named driver. However, this comes with some risks: if they have an accident, you’re the one who needs to make a claim. This can therefore affect any no claims bonus you’ve built up.
It’s usually a better idea for the 18-year-old to take out their own insurance policy, even if it’s for your car, as this won’t affect your NCB and can also help them start building their own NCB, which will lead to lower premiums in the future.
It’s also important to note that if the young driver is going to be the main driver on the policy, they need to be added as the main driver. Not doing this is an illegal offence called “fronting.”
