Cheap Car Insurance

Compare cheap car insurance options for drivers in the UK.

Last updated: June 2026.

Why Do Young Drivers Pay More?

Young drivers often pay more because insurers see them as higher risk. Factors can include limited driving history, age, vehicle type, location, annual mileage and previous claims.

Tips To Reduce Young Driver Insurance Costs

Consider a black box policy.
Choose a lower insurance group car.
Build a no-claims history safely.
Compare multiple providers before buying.
Check your voluntary and compulsory excess carefully.

Compare Young Driver Insurance Options

Black box policies

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Low mileage drivers

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New drivers

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Compare Cheap Driver Insurance Providers

Black box available

Provider

Best For

Policy Types

Rating

Action

Compare the Market

Compare the Market is considered best for consumers who want to unlock long-term, everyday lifestyle savings and prefer a highly intuitive, automated process for tracking household renewals. While sites like Go.Compare focus strictly on policy feature data, Compare the Market excels at turning boring administrative tasks into tangible consumer rewards.

Comprehensive, TPFT

★ 4.6

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Go.Compare

A prominent UK financial and insurance price comparison website Go.Compare is considered best for consumers who prioritize a transparent breakdown of policy features rather than just hunting for the absolute lowest price. While most comparison platforms focus heavily on price ranking, Go.Compare's system is tailored to help users buy value-driven coverage

Comprehensive, TPFT, TPO

★ 4.4

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MoneySuperMarket

MoneySuperMarket (MSM) is considered best for consumers who want to save money across their entire household budget—not just insurance—and prefer cashback rewards and financial monitoring tools over cinema tickets or excess cover.It is widely regarded as the most comprehensive, all-round personal finance hub of the top three comparison sites.

Comprehensive, TPFT

★ 4.5

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Admiral

Multi-car households looking to stack linked policy discountsYoung or inexperienced drivers needing a trusted, highly rated black box trackMotorists wanting granular policy choice across four distinct tier options

Comprehensive (Essential, Admiral, Gold, and Platinum tiers), Third Party, Fire and Theft, Third Party Only

★ 4.5

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Aviva

Drivers seeking industry-recommended, 5-star Defaqto coverage tiersExisting Aviva customers looking to leverage multi-product loyalty discountsElectric vehicle owners wanting specialized, built-in EV infrastructure protections Aviva will pay the complete costs to replace lost keys

Comprehensive (Signature, Gold, and Platinum tiers), Third Party, Fire and Theft, Third Party Only

★ 4.7

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Churchill

Drivers seeking a household name with robust, built-in coverage commitmentsYoung or newly qualified motorists looking to reduce premiums via telematicsCommuters prioritizing guaranteed hire car options during vehicle repairs

Comprehensive (Essentials, Comprehensive, and Comprehensive Plus tiers), Third Party, Fire and Theft

★ 4.4

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Direct-Line

Drivers wanting comprehensive coverage that bypasses standard price comparison sitesPolicyholders looking for explicit, contractually protected claims promisesYoung or newly passed motorists seeking upfront behavioral premium discounts

Comprehensive (Essentials, Comprehensive, and Comprehensive Plus tiers), Third Party, Fire and Theft

★ 4.5

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Hastings

Drivers wanting 5-star Defaqto protection across multiple tier optionsTech-savvy motorists looking to manage their policy entirely through an appMulti-car households looking for structured, multi-vehicle discounts

Comprehensive (Essential, Direct, and Premier tiers), Third Party, Fire and Theft, Third Party Only

★ 4.4

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Drivers looking for highly-rated comprehensive coverageMulti-car and multi-cover householdsElectric vehicle owners needing tailored EV features If your EV runs completely out of charge anywhere in the UK, they will arrange a free recovery tow to the nearest charging station.

Comprehensive, Third Party, Fire and Theft

★ 4.7

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Tesco Bank

Tesco Clubcard holders wanting exclusive discountsDrivers looking for highly-rated comprehensive coverThose seeking a guaranteed courtesy car during accident repairs

Comprehensive (Bronze, Silver, and Gold tiers), Third Party, Fire and Theft

★ 4.1

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