Car Insurance for 21 Year Olds
Great news! Turning 21 could mean cheaper car insurance!
21 is the magic number for young drivers’ insurance. Statistics show that you’re less likely to be involved in an accident if you’re 21 or over. It means insurers now view you as a lower-risk driver so you can save valuable pounds on your insurance!
However, you’ll probably find that you’re still paying more than the national average car insurance premium. You’re still classed as a younger driver, so don’t expect your insurance to be as cheap as mum and dad’s just yet - but that doesn’t mean you can’t do things to reduce your premium.
What factors affect my premium when I turn 21?
Insurers consider much more than your age when deciding your insurance premium, including factors about you and your car. It’s worth noting that not all insurers look at identical risks in the same way. The main factors are:
Where you live
Your home address and where the car is parked impacts the likelihood of your vehicle being involved in a road accident or theft. Potential repair costs are also considered.
Your age
We’ve already highlighted that young drivers are more likely to pay more for their insurance – discover more about how telematics (AKA black box technology) can keep the cost of insurance down.
Your occupation
Insurers will look at the risk of you being in an accident, and the anticipated cost of a claim, based on what you do for a living. Courier drivers, professional entertainers and sports people may pay more.
Driving history
Insurers want to know if you’ve had an accident or driving convictions in the past, as this gives them an idea of how likely this is to happen again – a clear record will often mean cheaper premiums.
Driving activity
It’s important that you’re honest about your driving activity. Being open and transparent with the miles you expect to drive will ensure you have the right cover. Surprisingly, driving fewer miles doesn’t always mean lower premiums!
The car you’re driving
This is a biggie… it’s unsurprising that the lower the insurance group, the lower the premium. So, it makes sense that choosing a smaller, less powerful car could make your insurance more affordable. It’s also worth noting that having a modified car may drive your premium up too.
How does Black Box Insurance help 21-year-old drivers?
Our Black Box Insurance allows your insurance price to be influenced by your driving skills. By measuring acceleration, braking, and average speed, we can offer discounts to safer drivers on renewal and tailored quotes based on skill level, not the statistical average. Our aim is to champion younger drivers by helping you get on the road in a safer and more affordable way. Here’s a few ways we help you do that:
- It’s simple - we trust you to drive safely from the start, so we offer our lowest premium with no complicated points schemes or cashbacks later on.
- No curfews - as an adult you don’t have curfews, nor does our policy. You can drive whenever you like, day or night, without worrying about night-time driving penalties.
- Building your No Claims Bonus - whether you’re on a provisional or a full licence, you can start building your own NCB and take it with you to your next policy.
- Clever app and portal - review your journeys instantly and see where you’ve driven well with telematics software that highlights any areas for improvement, helping you develop safe driving habits for life.
- Affordable cover on your own car or your parent’s motor- we’ll insure you on your own car as the main driver.
- • If you’re an occasional driver using your parent’s car, we offer a practical and potentially cheaper alternative, Named Young Driver Insurance, which won’t risk their NCB!
See how much you can save with Black Box Insurance
Enjoy instant comprehensive cover for 12 months and start collecting your own No Claims Discount!
Parent advice
Advice and guides for parents helping their learner driver on their driving journey.
Black Box Mythbusters
There’s a lot of misconceptions around driving with a black box – we’ve got the facts on what’s true and false!
Visit the Driver Hub
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