Black boxYoung driver telematics policy
£980
per year
£89
per month
Mileage limit: 6,000 miles
Curfew: 11pm - 5am
Driving score cashback
Free, quick comparison
Compare young driver insurance
Compare car insurance for young and newly qualified drivers, including black box telematics policies that can bring premiums down significantly in the first few years.
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Quotes sorted by indicative annual premium (low to high)
Prices shown are indicative UK market rates for comparison only. Your actual premium will depend on your vehicle, driving history, location and cover level.
Why is young driver insurance so expensive?
Drivers aged 17 to 24 are statistically far more likely to be involved in an accident than more experienced drivers, so insurers price this age group at significantly higher risk.
Telematics, or 'black box', policies address this by monitoring actual driving behaviour — speed, braking, cornering and time of day — and rewarding safer driving with lower renewal prices.
What are the benefits of young driver insurance?
Proven lower premiums
Black box policies routinely undercut standard comprehensive cover for drivers under 25.
Builds a driving history
A strong telematics score helps prove your risk profile to future insurers, black box or not.
Parental oversight options
Many policies let parents view driving reports, encouraging safer habits.
What does young driver insurance include?
Telematics scoring
A small device or smartphone app tracks driving style and calculates a score.
Curfew restrictions
Many policies restrict or penalise driving between roughly 11pm and 5am.
Comprehensive cover
Most young driver policies, black box or not, are fully comprehensive.
Mileage limits
Annual mileage caps, typically 6,000 to 8,000 miles, keep premiums lower.
Named driver options
Adding a young driver to a parent's policy as a named driver can be cheaper.
Driving feedback
Weekly or monthly reports showing braking, speed and cornering scores.
How does black box insurance work for young drivers?
A small telematics device is fitted to the car, or a smartphone app tracks journeys using GPS, recording speed, acceleration, braking and the time of day you drive.
This data builds a driving score, and consistently safe driving can lead to a lower premium at renewal, plus cashback with some providers.
Persistent night driving, harsh braking or exceeding the agreed mileage can trigger warnings or, in some cases, policy cancellation.
Should a young driver get their own policy or be a named driver?
Being added as a named driver on a parent's policy is often cheaper, but only makes sense if the young driver genuinely uses that car as a secondary driver rather than as their main vehicle.
Fronting — where a young driver is falsely listed as a named driver but is actually the main user — is illegal and can void any claim.
How to choose a young driver insurance provider
Compare black box providers on curfew rules, mileage limits and how driving scores translate into renewal discounts, not just the upfront premium. Check what happens to your no claims discount if you switch away from telematics later.
How to save money on young driver insurance
Choosing a smaller-engine car in a low insurance group, adding a more experienced named driver, and opting for a black box policy are the three most effective ways for young drivers to reduce premiums.
Related guides
These guides might help.
How your postcode affects your premium
Why two identical drivers a mile apart can pay very different amounts for cover.
No claims bonus explained
How to protect it, transfer it between insurers, and what it's really worth over time.
Black box insurance: is it worth it?
How telematics policies are scored, and who genuinely saves money using one.
FAQs
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Written by the Grow Your Business insurance team