Young Driver Insurance

With FREE RAC connected breakdown cover if selected^

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Offer valid with purchase of RAC Black Box Insurance

Young Driver Insurance

Young Driver Insurance, also known as black box insurance, monitors driving behaviour to encourage safer driving habits and lower premiums. Young drivers are classified by insurers as aged 17-24, and as new drivers they are often charged higher premiums than their parents. RAC Black Box Car Insurance aims to level the premiums playing field, educate young drivers on best driving practises, and get younger drivers insurance cover that’s more fairly priced.

Cheap Car Insurance for Young Drivers

RAC Black Box Car Insurance uses GPS technology, also known as Telematics, to track the way you drive – analysing the use of acceleration, braking and where and when you drive. It uses the data gathered to provide a statistical analysis presented to you in the form of a driving score, and applies savings at renewal to those who have a good driving score. This means that your premiums are tailored to the way you drive, not just assumptions made on your age range and location. If you keep your good driving up, not only will you have the chance to have your premiums reduced again at renewal, but you could benefit from the long-term savings made on petrol, tyre wear and maintenance.

You can access your driving rating and the advice we give you to improve your score through your own personalised online Insurance Portal or alternatively download our free app.

Why is Car Insurance so expensive for Young Drivers?

If you’re a young driver, you could end up paying more for your car insurance, mainly due to inexperience and lack of road awareness. Not being used to motorway driving, night-time driving, and driving in adverse weather conditions means that premiums for younger drivers are generally higher for those under the age of 25.

Until Black Box Insurance, there was no way for young drivers to prove that they were safe on the road, so insurers had to make general assumptions about their driving behaviour based on these traffic accident statistics rather than their individual driving record.

But now young drivers can use Black Box insurance to prove to their insurer that they are a safer risk, helping to reduce premiums at renewal.

Can Student Drivers get Black Box Insurance?

Student drivers can also benefit from the advantages of Black Box Insurance. Student drivers living in a city are more likely to claim on their policy or be a victim of crime, and so insurance premiums generally reflect this increased likelihood. Black Box Insurance gives drivers the chance to lower the price of their annual insurance by reducing the reliance on age in the equation – meaning drivers are given a fairer policy with lower premiums.

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Driving tips to help lower your Car Insurance premium

Although the age of the driver statistically changes the likelihood of being involved in an accident, the RAC has a number of driving tips, which can help improve driving behaviour and help to lower insurance premiums when using Telematics technology.

Speed and braking

As well as driving within the speed limit, pulling away smoothly from traffic lights and slowing down gradually rather than stopping sharply are also signs of safe driving.

Cornering and bends

Cornering at the appropriate speed, rather than braking hard and taking a bend sharply, shows insurers you are driving safely.

Night driving

Younger drivers are especially at risk when driving at night, particularly over the weekend. So it is recommended that younger drivers gradually build up their experience to increase their confidence and skills when driving in the evening.

Cheap cars for young drivers

Apart from the way you drive, the vehicle you choose can also affect the cost of your car insurance. To stay safe and reduce your insurance premiums, choose a smaller, less powerful car. For example rather than go for a fuel-hungry 2-litre vehicle, choose a 1.1 litre car that will perform much more economically and still get you where you need to be.

Alloy wheels, body kits and performance upgrades can not only make your vehicle more attractive to car thieves, but they can also increase your premiums because of their increased cost to repair. Keep your car as it was when it rolled out of the factory in order to keep your insurance premiums as low as they can be.

Find further information here on Black Box Car Insurance or speak to one of our RAC advisers on 0330 159 1042 to get a quote, or if you haven't yet passed your test then please see our Learner Driver Insurance

^ Terms and conditions:

  1. This offer applies to new annual RAC Black Box Car Insurance policies and is not available to customers renewing or amending an existing policy.
  2. RAC breakdown cover is attached to the car insurance policy and will end if the car insurance policy is cancelled or not renewed. Unless opted out, your RAC breakdown cover will automatically renew alongside your car insurance policy and will become chargeable using the payment details supplied when taking out the insurance.
  3. The breakdown offer will consist of a 12-month single Vehicle Based UK Roadside Membership for the same car as insured through RAC Black Box Car Insurance. Connected breakdown comes as standard on UK Roadside and all other levels of breakdown cover.
  4. To take out this offer the customer must select the correct breakdown option, at a cost of £0.00, during the purchase journey.
  5. This offer is not available to existing RAC Members.
  6. The offer cannot be transferred to any other policy and there is no cash equivalent available.
  7. We reserve the right to amend or withdraw this offer at any time.
  8. RAC Breakdown and connected breakdown services are provided by RAC Motoring Services, registered No 01424399. Standard terms and conditions for the breakdown cover will apply and can be found here. Terms & Conditions for RAC Black Box and connected services can be found here.
RAC Insurance is a trading name of RAC Financial Services Limited. Registered in England and Wales No. 5171817. Registered office: RAC House, Brockhurst Crescent, Walsall, WS5 4AW. RAC Car Insurance and RAC Home Insurance are arranged and administered by BISL Limited, which is an independent intermediary. Registered in England no. 3231094. Registered office: Pegasus House, Bakewell Road, Orton Southgate, Peterborough PE2 6YS. Both companies are authorised and regulated by the Financial Conduct Authority.

Breakdown cover provided by RAC Motoring Services (Registered No 01424399) and RAC Insurance Ltd (Registered No 2355834). Registered in England; Registered Offices: RAC House, Brockhurst Crescent, Walsall, WS5 4AW. Arranged, sold and administered by RAC Motoring Services who is authorised and regulated by the Financial Conduct Authority in respect of insurance mediation activities only. RAC Insurance Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

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