Young Driver Car Insurance Premiums


A Discount For Adding Your Mum?

It is often suggested that a young driver with their own car should add their mother or other person with a good driving history to their policy as it will reduce the premium.

You can see from the calculations below why this works, adding an experienced driver adds in multiplier of 0.57 in this example scheme, hence a discount.

Falsely Adding A Driver

There is however a caveat, the additional driver does actually have to genuinely drive the vehicle and this doesn't mean once a month just round the corner it has to be real usage.

You may find that you are required to prove this either at policy inception or at some time during the life of the policy, especially if you make a claim.


Young Driver Without Mum

Step Factor Premium Type
Base Premium 2200.000 £2200.00 Fixed Amount
Driving District 0.980 £2156.00 Multiplier
Theft District 1.000 £2156.00 Multiplier
Vehicle Group 0.860 £1854.16 Multiplier
Vehicle Age 1.100 £2039.58 Multiplier
Vehicle Security 1.000 £2039.58 Multiplier
Class Of Use 1.050 £2141.55 Multiplier
Newest Driver Experience 1.100 £2355.71 Multiplier
Driver - Proposer occupation 1.050 £2473.50 Multiplier
Mileage 0.938 £2319.15 Multiplier
Pet ownership not a rating factor for this scheme 1.000 £2319.15 Multiplier
Vehicle Value 1.000 £2319.15 Multiplier
Voluntary Excess -115.000 £2204.15 Fixed Amount
NCD 1.000 £2204.15 Multiplier
New Business Discount -5.000 £2093.94 Percentage

Young Driver With Mum

Step Factor Premium Type
Base Premium 2200.000 £2200.00 Fixed Amount
Driving District 0.980 £2156.00 Multiplier
Theft District 1.000 £2156.00 Multiplier
Vehicle Group 0.860 £1854.16 Multiplier
Vehicle Age 1.100 £2039.58 Multiplier
Vehicle Security 1.000 £2039.58 Multiplier
Class Of Use 1.050 £2141.55 Multiplier
Newest Driver Experience 1.100 £2355.71 Multiplier
Driver (2) Experience 0.570 £1342.75 Multiplier
Driver - Proposer occupation 1.050 £1409.89 Multiplier
Driver - 1 occupation 0.870 £1226.61 Multiplier
Mileage 0.938 £1150.07 Multiplier
Pet ownership not a rating factor for this scheme 1.000 £1150.07 Multiplier
Vehicle Value 1.000 £1150.07 Multiplier
Voluntary Excess 0.920 £1058.06 Multiplier
NCD 1.000 £1058.06 Multiplier
New Business Discount -5.000 £1005.16 Percentage


Conviction And Young Driver Insurance Premiums.

The tables below show possible premiums for young drivers, so what would happened if there were convictions to take into account?

Often convictions for a young driver are treated more harshly than for an older driver, the driver is young, so probably reckless and the conviction just proves it.

No insurance (IN10) or No Licence (LC10) will pretty much guarantee that insurance will not be obtainable.

Even when convictions have the same multiplier applied across all age groups the high premium for the young driver means that the amount of cash represented by that multiplier is going to be large.


Insuring A Low Risk Car If You Are A Young Driver

The tables below uses the Young Driver on the Data Entry screen and the Young Driver Quoter but substitutes a vehicle from groups 1 to 21 and aged from new to 13 years old.

The Young Driver used in this example rates on the number of years driving experience, so a 20 year driver who has just passed their test will get a different premium that a driver who has been driving since 17.

You may also note that by 20, the scheme is no longer that competitive, this is by design as having older drivers on a scheme designed for young drivers will distort the claim history statistics.

Also at 20 years old the driver becomes eligible for vehicles in the higher groups, albeit at premiums that are mainly theoretical as almost nobody would actually pay them.



Insuring A Low Risk Car If You Are A 17 Year Old Young Driver

Vehicle Group 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008
VAUXHALL CORSA GLS 1 £5038.78 £4545.78 £4052.79 £3683.04 £3313.30 £3066.80 £2943.55 £2820.31 £2697.06 £2573.81 £2573.81 £2450.56 £2327.31
RENAULT CLIO RN 2 £5038.78 £4545.78 £4052.79 £3683.04 £3313.30 £3066.80 £2943.55 £2820.31 £2697.06 £2573.81 £2573.81 £2450.56 £2327.31
VOLKSWAGEN POLO MATCH 3 £5100.40 £4601.54 £4102.67 £3728.53 £3354.38 £3104.95 £2980.23 £2855.52 £2730.80 £2606.09 £2606.09 £2481.37 £2356.66
DACIA DUSTER GLD 4 £5162.02 £4657.29 £4152.56 £3774.01 £3395.46 £3143.10 £3016.92 £2890.73 £2764.55 £2638.37 £2638.37 £2512.18 £2386.00
FORD FIESTA 1.1 FIREFLY 5 £5162.02 £4657.29 £4152.56 £3774.01 £3395.46 £3143.10 £3016.92 £2890.73 £2764.55 £2638.37 £2638.37 £2512.18 £2386.00
LADA SAMARA GSX 6 £5223.65 £4713.05 £4202.45 £3819.50 £3436.55 £3181.25 £3053.60 £2925.95 £2798.30 £2670.65 £2670.65 £2543.00 £2415.35
MITSUBISHI CARISMA GL TD 7 £5408.52 £4880.31 £4352.11 £3955.95 £3559.80 £3295.69 £3163.64 £3031.59 £2899.54 £2767.48 £2767.48 £2635.43 £2503.38
FORD MONDEO GLX 16V 8 £5408.52 £4880.31 £4352.11 £3955.95 £3559.80 £3295.69 £3163.64 £3031.59 £2899.54 £2767.48 £2767.48 £2635.43 £2503.38
FORD SIERRA L AUTO 9 £6024.76 £5437.87 £4850.97 £4410.80 £3970.62 £3677.17 £3530.45 £3383.73 £3237.00 £3090.28 £3090.28 £2943.55 £2796.83
BMW 745 LI 11 £8489.73 £7668.07 £6846.42 £6230.18 £5613.93 £5203.11 £4997.69 £4792.28 £4586.86 £4381.45 £4381.45 £4176.04 £3970.62
FORD GRANADA I AUTO 12 £8982.72 £8114.11 £7245.51 £6594.05 £5942.60 £5508.29 £5291.14 £5073.99 £4856.84 £4639.69 £4639.69 £4422.53 £4205.38
CITROEN XANTIA LXI 16V 13 £9598.96 £8671.67 £7744.37 £7048.90 £6353.42 £5889.78 £5657.95 £5426.13 £5194.30 £4962.48 £4962.48 £4730.65 £4498.83
VOLKSWAGEN SCIROCCO GTI AUTO 15 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
FORD SIERRA XR4X4 I 16 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
FORD MONDEO 24V GHIA AUT 17 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
LEXUS GS 300 LEGATO AUTO 18 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
AUDI A8 SPORT AUTO 19 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
BMW 750 I SPORT 20 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
FIAT X1/ 9 TURBO 21 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0

Insuring A Low Risk Car If You Are A 18 Year Old Young Driver

Vehicle Group 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008
VAUXHALL CORSA GLS 1 £4568.19 £4120.01 £3671.84 £3335.71 £2999.58 £2775.49 £2663.44 £2551.40 £2439.36 £2327.31 £2327.31 £2215.27 £2103.22
RENAULT CLIO RN 2 £4568.19 £4120.01 £3671.84 £3335.71 £2999.58 £2775.49 £2663.44 £2551.40 £2439.36 £2327.31 £2327.31 £2215.27 £2103.22
VOLKSWAGEN POLO MATCH 3 £4624.21 £4170.70 £3717.19 £3377.06 £3036.92 £2810.17 £2696.79 £2583.41 £2470.03 £2356.66 £2356.66 £2243.28 £2129.90
DACIA DUSTER GLD 4 £4680.23 £4221.39 £3762.54 £3418.41 £3074.27 £2844.85 £2730.14 £2615.42 £2500.71 £2386.00 £2386.00 £2271.29 £2156.58
FORD FIESTA 1.1 FIREFLY 5 £4680.23 £4221.39 £3762.54 £3418.41 £3074.27 £2844.85 £2730.14 £2615.42 £2500.71 £2386.00 £2386.00 £2271.29 £2156.58
LADA SAMARA GSX 6 £4736.26 £4272.07 £3807.89 £3459.76 £3111.62 £2879.53 £2763.48 £2647.44 £2531.39 £2415.35 £2415.35 £2299.30 £2183.26
MITSUBISHI CARISMA GL TD 7 £5156.42 £4652.22 £4148.03 £3769.88 £3391.73 £3139.63 £3013.58 £2887.53 £2761.48 £2635.43 £2635.43 £2509.38 £2383.33
FORD MONDEO GLX 16V 8 £5156.42 £4652.22 £4148.03 £3769.88 £3391.73 £3139.63 £3013.58 £2887.53 £2761.48 £2635.43 £2635.43 £2509.38 £2383.33
FORD SIERRA L AUTO 9 £5744.65 £5184.43 £4624.21 £4204.05 £3783.88 £3503.77 £3363.72 £3223.66 £3083.61 £2943.55 £2943.55 £2803.50 £2663.44
BMW 745 LI 11 £8097.58 £7313.27 £6528.96 £5940.73 £5352.50 £4960.34 £4764.27 £4568.19 £4372.11 £4176.04 £4176.04 £3979.96 £3783.88
FORD GRANADA I AUTO 12 £8568.16 £7739.03 £6909.91 £6288.07 £5666.22 £5251.66 £5044.38 £4837.10 £4629.81 £4422.53 £4422.53 £4215.25 £4007.97
CITROEN XANTIA LXI 16V 13 £9156.39 £8271.24 £7386.10 £6722.24 £6058.38 £5615.80 £5394.51 £5173.23 £4951.94 £4730.65 £4730.65 £4509.37 £4288.08
VOLKSWAGEN SCIROCCO GTI AUTO 15 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
FORD SIERRA XR4X4 I 16 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
FORD MONDEO 24V GHIA AUT 17 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
LEXUS GS 300 LEGATO AUTO 18 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
AUDI A8 SPORT AUTO 19 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
BMW 750 I SPORT 20 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
FIAT X1/ 9 TURBO 21 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0

Insuring A Low Risk Car If You Are A 19 Year Old Young Driver

Vehicle Group 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008
VAUXHALL CORSA GLS 1 £3862.31 £3481.36 £3100.42 £2814.70 £2528.99 £2338.52 £2243.28 £2148.04 £2052.80 £1957.57 £1957.57 £1862.33 £1767.09
RENAULT CLIO RN 2 £3862.31 £3481.36 £3100.42 £2814.70 £2528.99 £2338.52 £2243.28 £2148.04 £2052.80 £1957.57 £1957.57 £1862.33 £1767.09
VOLKSWAGEN POLO MATCH 3 £3909.93 £3524.45 £3138.96 £2849.85 £2560.74 £2367.99 £2271.62 £2175.25 £2078.88 £1982.51 £1982.51 £1886.14 £1789.77
DACIA DUSTER GLD 4 £3957.55 £3567.53 £3177.51 £2885.00 £2592.48 £2397.47 £2299.97 £2202.46 £2104.96 £2007.45 £2007.45 £1909.95 £1812.44
FORD FIESTA 1.1 FIREFLY 5 £3957.55 £3567.53 £3177.51 £2885.00 £2592.48 £2397.47 £2299.97 £2202.46 £2104.96 £2007.45 £2007.45 £1909.95 £1812.44
LADA SAMARA GSX 6 £4005.17 £3610.62 £3216.06 £2920.14 £2624.23 £2426.95 £2328.31 £2229.67 £2131.03 £2032.40 £2032.40 £1933.76 £1835.12
MITSUBISHI CARISMA GL TD 7 £4148.03 £3739.87 £3331.71 £3025.59 £2719.47 £2515.39 £2413.35 £2311.31 £2209.27 £2107.23 £2107.23 £2005.19 £1903.15
FORD MONDEO GLX 16V 8 £4148.03 £3739.87 £3331.71 £3025.59 £2719.47 £2515.39 £2413.35 £2311.31 £2209.27 £2107.23 £2107.23 £2005.19 £1903.15
FORD SIERRA L AUTO 9 £4624.21 £4170.70 £3717.19 £3377.06 £3036.92 £2810.17 £2696.79 £2583.41 £2470.03 £2356.66 £2356.66 £2243.28 £2129.90
BMW 745 LI 11 £6528.96 £5894.04 £5259.13 £4782.94 £4306.75 £3989.30 £3830.57 £3671.84 £3513.11 £3354.38 £3354.38 £3195.65 £3036.92
FORD GRANADA I AUTO 12 £6909.91 £6238.71 £5567.52 £5064.12 £4560.72 £4225.12 £4057.32 £3889.52 £3721.73 £3553.93 £3553.93 £3386.13 £3218.33
CITROEN XANTIA LXI 16V 13 £7386.10 £6669.55 £5953.00 £5415.59 £4878.18 £4519.91 £4340.77 £4161.63 £3982.49 £3803.36 £3803.36 £3624.22 £3445.08
VOLKSWAGEN SCIROCCO GTI AUTO 15 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
FORD SIERRA XR4X4 I 16 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
FORD MONDEO 24V GHIA AUT 17 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
LEXUS GS 300 LEGATO AUTO 18 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
AUDI A8 SPORT AUTO 19 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
BMW 750 I SPORT 20 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
FIAT X1/ 9 TURBO 21 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0

Insuring A Low Risk Car If You Are A 20 Year Old Young Driver

Vehicle Group 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008
VAUXHALL CORSA GLS 1 £3627.02 £3268.48 £2909.94 £2641.03 £2372.13 £2192.86 £2103.22 £2013.59 £1923.95 £1834.32 £1834.32 £1744.68 £1655.05
RENAULT CLIO RN 2 £3627.02 £3268.48 £2909.94 £2641.03 £2372.13 £2192.86 £2103.22 £2013.59 £1923.95 £1834.32 £1834.32 £1744.68 £1655.05
VOLKSWAGEN POLO MATCH 3 £3671.84 £3309.03 £2946.22 £2674.11 £2402.01 £2220.60 £2129.90 £2039.20 £1948.50 £1857.79 £1857.79 £1767.09 £1676.39
DACIA DUSTER GLD 4 £3716.66 £3349.58 £2982.50 £2707.19 £2431.89 £2248.35 £2156.58 £2064.81 £1973.04 £1881.27 £1881.27 £1789.50 £1697.73
FORD FIESTA 1.1 FIREFLY 5 £3716.66 £3349.58 £2982.50 £2707.19 £2431.89 £2248.35 £2156.58 £2064.81 £1973.04 £1881.27 £1881.27 £1789.50 £1697.73
LADA SAMARA GSX 6 £3761.47 £3390.13 £3018.78 £2740.27 £2461.76 £2276.09 £2183.26 £2090.42 £1997.58 £1904.75 £1904.75 £1811.91 £1719.07
MITSUBISHI CARISMA GL TD 7 £3895.93 £3511.78 £3127.63 £2839.51 £2551.40 £2359.32 £2263.29 £2167.25 £2071.21 £1975.17 £1975.17 £1879.14 £1783.10
FORD MONDEO GLX 16V 8 £3895.93 £3511.78 £3127.63 £2839.51 £2551.40 £2359.32 £2263.29 £2167.25 £2071.21 £1975.17 £1975.17 £1879.14 £1783.10
FORD SIERRA L AUTO 9 £4344.10 £3917.27 £3490.43 £3170.31 £2850.18 £2636.77 £2530.06 £2423.35 £2316.64 £2209.93 £2209.93 £2103.22 £1996.52
BMW 745 LI 11 £6136.81 £5539.24 £4941.67 £4493.49 £4045.32 £3746.54 £3597.14 £3447.75 £3298.36 £3148.97 £3148.97 £2999.58 £2850.18
FORD GRANADA I AUTO 12 £6495.35 £5863.63 £5231.92 £4758.13 £4284.35 £3968.49 £3810.56 £3652.63 £3494.70 £3336.77 £3336.77 £3178.85 £3020.92
CITROEN XANTIA LXI 16V 13 £6943.52 £6269.12 £5594.73 £5088.93 £4583.13 £4245.93 £4077.33 £3908.73 £3740.13 £3571.53 £3571.53 £3402.93 £3234.33
VOLKSWAGEN SCIROCCO GTI AUTO 15 £14764.19 £13344.97 £11925.74 £10861.33 £9796.91 £9087.30 £8732.49 £8377.68 £8022.88 £7668.07 £7668.07 £7313.27 £6958.46
FORD SIERRA XR4X4 I 16 £15156.34 £13699.77 £12243.20 £11150.77 £10058.34 £9330.06 £8965.92 £8601.77 £8237.63 £7873.49 £7873.49 £7509.34 £7145.20
FORD MONDEO 24V GHIA AUT 17 £15548.50 £14054.58 £12560.66 £11440.22 £10319.78 £9572.82 £9199.34 £8825.86 £8452.38 £8078.90 £8078.90 £7705.42 £7331.94
LEXUS GS 300 LEGATO AUTO 18 £17901.42 £16183.41 £14465.41 £13176.90 £11888.40 £11029.39 £10599.89 £10170.39 £9740.89 £9311.38 £9311.38 £8881.88 £8452.38
AUDI A8 SPORT AUTO 19 £21822.96 £19731.47 £17639.98 £16071.37 £14502.75 £13457.01 £12934.14 £12411.27 £11888.40 £11365.52 £11365.52 £10842.65 £10319.78
BMW 750 I SPORT 20 £25744.50 £23279.53 £20814.56 £18965.84 £17117.11 £15884.63 £15268.39 £14652.15 £14035.90 £13419.66 £13419.66 £12803.42 £12187.18
FIAT X1/ 9 TURBO 21 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0

Insuring A Luxury Or Powerful Car If You Are A Young Driver

The table below uses the Young Driver on the Data Entry screen and the Young Driver Quoter but substitutes a vehicle from groups 1 to 20 and aged from new to 13 years old.

The percentage differences as you go up the vehicle groups is roughly the same as for the Safe Driver but the percentage reductions for vehicle age are noticeably greater. Primarily as the repair costs to the policy holder's vehicle will have reduced due to cheaper pattern parts and a reluctance to claim for small repairs.
Unfortunately by group 15 it is all decline, so you need to be looking for a car that is normally driven by people who drive it conservatively.

You may also note that some groups have the same rating factors.

Vehicle Group 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008
VAUXHALL CORSA GLS 1 £5038.78 £4545.78 £4052.79 £3683.04 £3313.30 £3066.80 £2943.55 £2820.31 £2697.06 £2573.81 £2573.81 £2450.56 £2327.31
RENAULT CLIO RN 2 £5038.78 £4545.78 £4052.79 £3683.04 £3313.30 £3066.80 £2943.55 £2820.31 £2697.06 £2573.81 £2573.81 £2450.56 £2327.31
VOLKSWAGEN POLO MATCH 3 £5100.40 £4601.54 £4102.67 £3728.53 £3354.38 £3104.95 £2980.23 £2855.52 £2730.80 £2606.09 £2606.09 £2481.37 £2356.66
DACIA DUSTER GLD 4 £5162.02 £4657.29 £4152.56 £3774.01 £3395.46 £3143.10 £3016.92 £2890.73 £2764.55 £2638.37 £2638.37 £2512.18 £2386.00
FORD FIESTA 1.1 FIREFLY 5 £5162.02 £4657.29 £4152.56 £3774.01 £3395.46 £3143.10 £3016.92 £2890.73 £2764.55 £2638.37 £2638.37 £2512.18 £2386.00
LADA SAMARA GSX 6 £5223.65 £4713.05 £4202.45 £3819.50 £3436.55 £3181.25 £3053.60 £2925.95 £2798.30 £2670.65 £2670.65 £2543.00 £2415.35
MITSUBISHI CARISMA GL TD 7 £5408.52 £4880.31 £4352.11 £3955.95 £3559.80 £3295.69 £3163.64 £3031.59 £2899.54 £2767.48 £2767.48 £2635.43 £2503.38
FORD MONDEO GLX 16V 8 £5408.52 £4880.31 £4352.11 £3955.95 £3559.80 £3295.69 £3163.64 £3031.59 £2899.54 £2767.48 £2767.48 £2635.43 £2503.38
FORD SIERRA L AUTO 9 £6024.76 £5437.87 £4850.97 £4410.80 £3970.62 £3677.17 £3530.45 £3383.73 £3237.00 £3090.28 £3090.28 £2943.55 £2796.83
BMW 745 LI 11 £8489.73 £7668.07 £6846.42 £6230.18 £5613.93 £5203.11 £4997.69 £4792.28 £4586.86 £4381.45 £4381.45 £4176.04 £3970.62
FORD GRANADA I AUTO 12 £8982.72 £8114.11 £7245.51 £6594.05 £5942.60 £5508.29 £5291.14 £5073.99 £4856.84 £4639.69 £4639.69 £4422.53 £4205.38
CITROEN XANTIA LXI 16V 13 £9598.96 £8671.67 £7744.37 £7048.90 £6353.42 £5889.78 £5657.95 £5426.13 £5194.30 £4962.48 £4962.48 £4730.65 £4498.83
VOLKSWAGEN SCIROCCO GTI AUTO 15 Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
FORD SIERRA XR4X4 I 16 Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
FORD MONDEO 24V GHIA AUT 17 Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
LEXUS GS 300 LEGATO AUTO 18 Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
AUDI A8 SPORT AUTO 19 Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
BMW 750 I SPORT 20 Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline Decline
Author:Ian Smith
Date Created:2020-08-01
Date LastModified:2020-08-01


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