This article is for you if you are looking for the cheapest car insurance for new drivers, whether you are a teen, an adult who is a new driver, and/or purchasing car insurance for the first time.
You may be searching for the cheapest car insurance for the first-timer because you want to save the extra cash you would have invested in the purchase of the car. Some companies that also offer you a discount on your car insurance for the first time are the ones that also sell car insurance at high rates.
To get your car insurance as a first-time purchaser, you do not sleep, and then you are going to purchase a cheap or even the cheapest car insurance as a new driver. There are steps you need to take to get your policy at the cheapest cost. You may be wondering also if the policy you will get at a cheap rate will cover as much as car insurance, in general, would cover.
Continue reading to find out what you need to, do about getting the cheapest car insurance for a new driver.
What is car insurance for a new driver?
Every state set their own requirements for auto insurance seekers on the minimum, and car insurance for new drivers will look and is just the same as any other driver’s policy. Even though lack of experience in driving may not really change how much insurance you need to purchase, it will definitely leave an impact on the price or cost of the policy.
Teenagers, people who are immigrates to the UK and young individuals who do not have a driving record. There is no special car insurance policy that is meant for new drivers. You may choose to purchase at least the minimum coverage that your state require, which typically may include injury and property damage liability insurance.
As a new driver, you have to understand that the people around you who seem to be old in the driving world were once new drivers. So, in other to take out the best policy cover for you, it is important that you ask around from the older people in driving to make the journey easier for you.
What is the cost of car insurance for a new driver?
New drivers have the highest car insurance cost rates. The reason why the cost of car insurance is higher for new drivers is because, policy providers consider new drivers as naive and inexperienced in driving.
With that single, it is obvious that the cost of insuring their car should be higher because they stand the highest risk of causing accidents and damages on the high way.
Although age and experience are the two most important things that influence the cost of insuring a new driver that is not all. So, age and experience are not the only things that insurance companies consider when setting their cost rates.
Also, car insurance companies review a number of factors when they want to give price estimates for purchasing coverage. Some of these companies direct their focus on the car insurance policy itself.
Age and driving experience are two factors that insurers weigh heavily, as they are the key indicators of how likely a driver is to get into an accident or cause damages to third parties. Other factors that affect driver’s car insurance cost may include; Marital status, location, your vehicle’s make and model,type of coverage you choose.
How to get the cheapest car insurance for a new driver.
Those that are considered as new drivers by insurance providers may include;
- Teenagers who just got a driver’s license.
- Adults who are driving for the first time.
- Immigrants and foreign nationals from another country.
- Drivers of any age with a gap in driving or insurance coverage
How to get cheap car insurance for immigrants.
Even if you have maintained a very clean driving record for years in the other country you are transferring from, insurance companies in the UK will still consider you as a new driver.
It makes actual sense, because the other country you have just transferred from may have different laws, different driving cultures and what they consider before the issue insurance cover to people.
Also, insurance companies only access domestic driving records, so you have a blank history when you relocate to the UK. Your rates will be similar to those of any new driver.
The only way you can get cheap insurance for yourself as an immigrate is to have a clear driving history even from the country you are immigrating from.
10 Cheapest car insurance for new drivers
First-time drivers who are under 25 years old can find the cheapest coverage car insurance available for new drivers with companies like:
- Liverpool Victoria
- Direct Line
- Aviva
- Diamond
- Churchill
- Quotemehappy.com
- Esure
- Admiral
- AXA
- Elephant
LV
While Liverpool Victoria is not the cheapest car insurance company on the list, its customer service and ratings are arguably among the best in the industry. Policies from LV= can be purchased directly from the company, through comparison sites, or through brokers.
Existing customers have high renewal rates, and LV= claims that their multi car cover is the cheapest way to get annual coverage for all of your household’s vehicles.
Direct Line
The Direct Line Group sells Direct Line car insurance directly to customers; the ‘Direct Line’ brand will not be found on comparison sites (but The Direct Line Group’s Churchill, Darwin, and Privilege motor insurance brands will be found on comparison sites).
When compared to the PCW brands, the main ‘Direct Line’ brand offers slightly better features, such as a courtesy car in the event of theft or total loss (rather than just repairs after an accident), as well as lower admin and cancellation fees.
Get a Direct line insurance quote here.
Aviva
Aviva is a major UK car insurance company (the fourth largest in the country), and you may be familiar with some of their ‘budget’ brands from comparison sites. Depending on where you live, you may notice their Quotemehappy.com or General Accident brands with some of the best PCW rates available.
Aviva has made significant investments in digital and claims management, allowing UK motor customers to begin and complete claims online with no underwriter interaction.
Get an Aviva car insurance quote here.
Diamond
Diamond is another brand owned by the Admiral Group. It is geared toward women and safe drivers. As with Elephant (another Admiral brand discussed later), there is no provision for accommodation or onward travel following an accident (although they will move your passengers away from the accident site to the nearest point of local amenity if it is not safe), and cancellation fees are higher.
Get a Diamond car insurance quote here.
Churchill
Churchill offers one of the cheapest car insurance for new drivers at one of the major comparison sites (Moneysupermarket), so while their customer service and ratings may be slightly lower than the top-ranked brand on our list (LV=), Churchill can be a solid option for those who prioritize price.
Its policies can be purchased directly from the company or through numerous comparison websites (but not yet via our partner, QuoteZone).
Get a Churchill car insurance quote here.
Quotemehappy.com
Quotemehappy is one of the Cheapest car insurance for new drivers. Despite the low cost, drivers receive a slew of useful features in their policies, such as legal and windscreen coverage. Customers rate their Trustpilot experience very highly (though this reflects the sales process more than the claims process), despite the fact that this is an online brand with no call center.
Get a quote direct from Quotemehappy.com here
esure
esure was a pioneer in developing streamlined car insurance buying on the Internet, having launched in 2000 (and founded by the man who founded Direct Line 15 years before that). On comparison sites, you’ll also see the esure brand Sheilas’ Wheels, with prices that are nearly identical to the esure-branded quotes.
Get an esure cheapest car insurance for new drivers.
Admiral
The Admiral Group is the largest auto insurance company in the UK, accounting for more than 15% of the market through its Admiral, Bell, Diamond, elephant.co.uk, and Gladiator brands. Admiral is technically the trading name of EUI Limited.
Over the years, they have insured millions of vehicles, earning over £590 million before taxes on £2.16 billion in motor insurance premiums written, making them the most popular car insurance company in the UK. Admiral has stated that one of its corporate goals is to increase customer retention, which is useful to know if your policy is up for renewal. Admiral also writes car insurance for Ford-branded vehicles.
Get an Admiral cheapest car insurance for new drivers quote here.
AXA
AXA is the UK’s second largest car insurance company. They sell policies under their own brand as well as for a number of other brands such as mypolicy.co.uk and By Miles (pay-per-mile cover). So, if you purchased car insurance from a company that does not underwrite its own policies, you may find that your coverage is ultimately provided by AXA.
Get AXA Cheapest car insurance for new drivers here.
Elephant
The elephant car insurance is an Admiral Group brand (like Diamond) that is marketed as a low-cost option with optional features such as personal belonging or key cover. Although premiums are lower, there is no onward travel or accommodation after an accident, and cancellation fees are high.
Get Elephant Cheapest car insurance for new drivers.
How to find cheap car insurance for new drivers
There are a number of ways you can find and be able to purchase the cheapest car insurance for new drivers,one of such ways is to shop around for available and better insurance policy providers.
You can find companies whose price offer is cheaper than others and yet, their services are qualitative and flexible.
There are no two insurance companies that will give you car insurance on the same price. Therefore, taking your time to compare car insurance policies will give you a baseline idea on the kind of thing you can expect to pay when adding someone to an existing policy or how much you could save by switching providers.
Comparing companies and policy offers is the first step to find cheapest car insurance policies that are suitable for the new drivers, a parent who wants to add a younger person to your policy.
When you are deciding between two companies, it may also help to read comparisons and reviews of the company by others. These break down each company’s discount offerings and customer reviews side by side.
You can also search keenly for discounts as a new driver as another means to get cheap car insurance. This may be easier for students who want to insure their car under student influence.
If you are under 25, another cheaper way is to stay on your family policy, rather than to get an individual policy for your car insurance. You might have to change insurance companies to get the best deal, but the savings can be significant.
Cheapest car insurance for new drivers above 25 years.
If you are above 25 years and you are just getting your car insurance, you can rest assured that your rate even as a new driver may be cheaper than it is for a new driver below 25 years.
From 25 years as a new driver,may still have to look for discounts and cheaper rates. But on average, the cost of a 25-year-old as a new driver would be cheaper than it would be for a new driver under 25 years old.
The reason for that is because, car insurance companies consider that a 25 year old new driver would be able to control some situations on the highway more than a 16 or 18-year-old.
Even though they may be seen as inexperienced because they are just getting their car insurance, the 25 year old and above would learn faster than the teen new driver.
Conclusion
There is no specific car insurance policy that is meant for new drivers. insurance providers see a person as a new driver when they are teens, young drivers, first-time drivers, immigrants, or foreign nationals. You can be able to get cheap car insurance as a new driver when you pay attention to the type of coverage you are choosing and the policy providers based on price and offer.
A teen would get the highest car insurance because they are obviously naive and inexperienced. You can shop around for the cheapest insurance companies and searching around for discounts
FAQs about Cheapest Car Insurance for New Drivers
Where can i get cheap car insurance for new drivers
There are several companies that offer car insurance for new drivers on a cheaper rate. It is important to shop around for policy providers and compare prices to be able to get the cheapest car insurance.
How can i get cheap car insurance for new drivers
You can get cheap car insurance as a new driver by shopping around, comparing prices and policies, staying on the family policy etc.
Can an immigrate get cheap car insurance
Immigrates or foreign nationals are considered by insurance companies as new drivers no matter the driving experience, you can only get cheap car insurance depending on the state or country you go to.
