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Flexible young drivers insurance. We offer a range of insurance policies that can help drivers aged 17 to 25 get a good deal on cover.

You can choose from our standard policies (non-black box) such as Hastings Essential, Direct and Premier policies, or take out our telematics car insurance policy.

Compare insurance for young drivers. 

Get a fair price on young drivers' insurance with YouDrive

We know that passing your test can be tricky. That&rsquo;s why we make sure cheaper car insurance is simple for younger drivers. Whether you&rsquo;re looking for your first insurance policy, or buying it on behalf of a young driver, we help drivers from 17 to 25 get a good deal on their policy.&nbsp;

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We offer a range of car insurance,&nbsp;including our standard policies such as Hastings Essential, Hastings Direct and Hastings Premier. Our Direct and Premier policies have also been rated by the experts at Defaqto as 5 star. If you&rsquo;ve already got insurance with us, we offer <a href="/car-insurance/multi-car-insurance" 
 onClick="(function(e){
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 >multi car insurance</a>, which gives you a discount for every car you insure.&nbsp;

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Alternatively, you can choose our other Defaqto 5 Star rated <a href="/car-insurance/telematics-insurance" 
 onClick="(function(e){
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 >telematics policy</a><a href="/hastings-direct/car-insurance/telematics-insurance" 
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 >, Hastings Direct YouDrive</a>.&nbsp;This is our app-based car insurance policy (commonly known&nbsp;as black box insurance). With YouDrive, you get a great price on day one and as long as you drive well, you&rsquo;ll keep getting great prices every year.

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All our policies feature a great range of benefits as standard, with flexible levels of cover and a wide choice of optional extras such as <a href="/car-insurance/policy-features/breakdown-cover" 
 onClick="(function(e){
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 application_domain: 'https://www.hastingsdirect.com',
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 >breakdown cover</a> and <a href="/car-insurance/policy-features/key-protection" 
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 application_domain: 'https://www.hastingsdirect.com',
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 >car key insurance</a>.&nbsp;

Just take these <a href="https://www.brake.org.uk/get-involved/take-action/mybrake/knowledge-centre/young-drivers" 
 onClick="(function(e){
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 journey_type: 'brochureware', 
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 >stats cited by road safety charity Brake</a>: even though 1 in 2 new drivers pass their driving test on their first attempt, 1 in 5 crash within a year of qualifying to drive. It&#39;s also notable that around half of young drivers aged 17-24 admit to using their mobile phone while behind the wheel, the highest proportion of any age category.

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Because young drivers are more likely to have an accident and make a claim, insurers balance out the increased risk with higher premiums.

Most premiums are only based on your answers to a list of questions. But <a href="https://www.hastingsdirect.com/youdrive/" 
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 application_domain: 'https://www.hastingsdirect.com',
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 page_name: 'Young drivers insurance '
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 >YouDrive</a>, our telematics (commonly known as black box) insurance, gives you a personalised price based on how you drive. So, you won&#39;t just get a great price from the start but, if you drive well, you&#39;ll keep getting great prices year after year.

If you&rsquo;re a learner driver and you have your own car, you can use your provisional driving licence to buy an insurance policy &ndash; you just need to let us know once you pass your test and get your full licence. Alternatively, another driver can add you to their existing policy as a new named driver.

The cost of car insurance is calculated based on a wide range of factors. These include things such as your age, driving experience, the type of car you drive, your annual mileage and where you park your car overnight.

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While you can&#39;t control some factors (like your age and experience), there are some things you can do that will help to bring down the cost of cover &ndash; such as&hellip;

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Choose a car that&#39;s cheap to insure

All cars fall under an insurance group of between 1 and 50. Group 1 cars are the cheapest to insure, while group 50 is the most expensive. If you&#39;re yet to buy your car, doing plenty of research beforehand could really pay off.

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Don&#39;t modify your car

The only&nbsp;<a href="/car-insurance/guides/why-car-modifications-could-invalidate-your-insurance" 
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 >modifications</a>&nbsp;that could lower your premium are ones that improve your car&#39;s security. And even then, they need to be industry-approved devices and your insurer will need to know about them before they&#39;re fitted.

Bear in mind that some modifications might make it impossible for a young driver like you to get insured &ndash; superchargers, for instance.

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Boost your excess

When you get a quote for car insurance, you need to set an excess, which is the amount that you&#39;ll pay in the event of a claim. Generally speaking, the greater the excess, the lower your premium. Just make sure that you&#39;ll be able to afford your excess if you need to claim.

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Add an older, named driver to your policy

As a young driver, or even as a learner driver, you could bring down your car insurance costs by adding an older named driver, such as a parent, to your policy. You&#39;re considered a high-risk driver in either case, so adding someone less risky might lower the average cost of the policy. This must be someone who will regularly drive your car. If they don&#39;t, you could be accused of &#39;fronting&#39;, a type of driving fraud.

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Be a safe and responsible driver

It&#39;s an obvious point, but one worth making! If you&#39;re a safe and responsible driver and don&#39;t make any claims, you should see your policy drop with each year of driving.&nbsp;

This is exactly what our&nbsp;<a href="/car-insurance/telematics-insurance" 
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 >YouDrive telematics policy</a>&nbsp;(known as black box insurance) is designed to help with &ndash; you&#39;ll start by setting up a simple wireless tab to monitor your driving and connecting it to a smartphone app. If you keep a good driving score, you&rsquo;ll get rewarded with a lower premium at renewal. And, most importantly, being a good driver will help to keep you and others safe on the road! 
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