Car insurance for young male drivers

It’s an unfortunate fact that young male drivers have more serious crashes than their female friends.

Often this can be linked to overconfidence. Although being a confident driver is a good thing, it’s important to realise that passing the driving test isn’t a badge of excellence. It’s really only the beginning of the learning you have to do by yourself.


Young male drivers statistically crashing more used to mean girls got cheaper insurance than they did, but the European Court of Justice put a stop to that a couple of years ago. Unfortunately, that didn’t necessarily make car insurance for young male drivers cheaper - it just put a stop to automatically lower premiums for being female.

But what if you’re not like the others?

Just because some young male drivers choose to drive dangerously doesn’t mean you do, so we don’t think you should be judged on a statistic. With black box insurance, you pay for your insurance based on how you actually drive.

ingenie driver Alfie
By choosing ingenie car insurance I saved over £500 from the next cheapest quote. Getting discounts on my insurance if I drive well means I’ll save money, and this is extremely important being a student and getting ready to go to university.

Alfie, 19
ingenie driver


How to save money on your insurance if you’re a young male driver

  1. Choose the right car

    Don’t aim to own your ideal car the minute you pass your test. Insurance costs reflect things like engine size, desirability and current market value so your favourite car probably won’t be cheap to insure.

    Picking a car from a low insurance group is one of the best ways to keep your insurance costs down. But don’t worry, that doesn’t have to mean it’s lame - check out our top 10 cars for young drivers.

  2. Avoid modifications

    Lots of insurers won’t cover cars that have any modifications and even those that do will usually charge you more.

    Modifications are any changes to the car after it left the factory - like tinted windows, spoilers, upgraded stereos and sports exhausts.

    You can find out more about how modifications affect your insurance in the Young Driver’s Guide.

  3. Go for black box insurance

    You know how you drive but insurers don’t - yet! With a black box in your car, you can show exactly how you make decisions about speed, acceleration, braking and cornering. We don’t have curfews, so it really is all about how you drive.

    If you drive well, you’ll get discounts. ingenie gives you the chance to earn up to an extra 21% off your starting price, with discounts awarded 3 times a year.

    If you’re a young male driver, that makes your insurance much more affordable and means you don’t have to wait a whole year to see the benefit of driving well.


Cars most popular with young male drivers

  1. Vauxhall Corsa
  2. Ford Fiesta
  3. Renault Clio
  4. Volkswagen Polo
  5. Fiat Punto
  6. Peugeot 206
  7. Vauxhall Astra
  8. Volkswagen Golf
  9. Ford KA
  10. Ford Focus