Using our guide we hope to shortcut you to some of the most competitive premiums in the market.

Run a quote through the MoneyMaxim cheap car insurance comparison service - we offer quotes from specialist young driver insurance companies including Admiral, Diamond, Elephant, and Hastings Direct as well as others whose marketing activity targets young women drivers. Additionally, for those looking for car insurance for provisional drivers, we feature Collingwood who only offer provisional licence holders insurance. Having widened our young driver specialist insurers significantly, we are now seeing the cheapest quotes displayed at even lower levels - good news for the newly qualified driver!

There are, however, other niche insurers in this market which are well worth considering.

Provisional Drivers

See our full article on Provisional and Learner Drivers Insurance

Newly Qualified Drivers

Consider policies which offer ways of reducing your premiums. That could be a black box or limited driving time. Do bear in mind that, if you share the car, the rules will also apply to the other drivers too. If they drive outside the terms it can affect the main policyholder's insurance.

Multi Car Policies

If you have more than one car in the family it's well worth getting a quote for a multicar policy- not only are they competitive when it comes to young drivers, but they offer 'multicar' discounts, which can increase depending on the number of vehicles you insure - given the size of younger driver premiums this can make a huge difference. .

The main downside is that after the first year all the car insurance premiums fall at the same time - which can be a bitter pill to swallow, and monthly payment options can come at a price.

Tips on minimising the cost of young driver cover

Named Drivers

Whilst 'fronting' (naming one driver, say Mum or Dad as the named driver, but the car actually being used mainly by the newly qualified driver) may result in a cheaper quote it is in fact illegal and can nullify your insurance policy - the 'main driver' should be the 'main driver' and the insurer may look for proof (so keep a driving record book if you think this might be asked for).

However adding a second more experienced driver with a clean driving record, who might use the vehicle occasionally, is perfectly legal and often reduces quotes considerably.

Wait a month or two

Quotations for a driver who passed their test a week ago are considerably higher than those who passed a year or even three months ago. Run a test through our quote comparision and see the difference!

If you can delay buying your insurance a little while you will probably make big savings.

Get a car in the right insurance group

Getting a sporty little number from the word go might be attractive but the insurance group on a car makes a huge difference - if you are buying a car make sure it's in the lowest insurance group - Check out insurance groups on the Association Of British Insurers Website.

This rule might also apply if you are inheriting a car from a relative - it might be cheaper to sell that car and start again rather than taking on a car from a high insurance group

Finally, if you would like further assistance, contact us for further assistance we will be delighted to help you.

If you do come up with another insurer you think we should be shouting about - please let us know using the 'Contact Us' button at the foot of the page.