Learner driver insurance, also known as provisional insurance, is a must-have for anyone practicing their driving skills outside of lessons with a qualified instructor. It allows you to legally drive a car on the road while supervised by someone with a full license. But how much does this essential cover actually cost?
The price of learner driver insurance can vary depending on several factors, including:
- The type of cover: There are different levels of cover available, from basic third-party liability (which covers damage to other people’s property and injuries) to more comprehensive policies that also cover damage to your own car.
- The duration of cover: You can buy learner driver insurance for a day, a week, a month, or even a year. The longer the period of cover, the cheaper the daily rate will usually be.
- Your age and experience: Younger learners and those with no prior driving experience will typically pay more for insurance.
- The car you’ll be driving: The make, model, and engine size of the car can all affect the insurance premium. Higher-powered cars are generally more expensive to insure.
Here’s a rough idea of what you might expect to pay:
- Daily learner insurance: Can start from as low as £1 (around $1.20 USD) per day.
- Weekly learner insurance: Typically costs around £30-£40 (around $36-$48 USD) per week.
- Monthly learner insurance: Can range from £100-£200 (around $120-$240 USD) per month.
- Annual learner insurance: May be the most cost-effective option for learners who will be practicing for a long period. Prices can vary but expect to pay a few hundred pounds (a few hundred dollars USD).
Tips for Saving Money on Learner Driver Insurance
- Shop around and compare quotes: Don’t just accept the first quote you’re given. Get quotes from several different insurers to find the best deal.
- Consider named driver insurance: If you’ll only be practicing in one car, named driver insurance can be cheaper than learner driver insurance. This type of policy adds you as a named driver to the existing policy of the car owner.
- Take advantage of discounts: Some insurers offer discounts for young drivers who have completed a defensive driving course.
- Choose a car with a smaller engine: Cars with smaller engines are generally cheaper to insure.
By following these tips, you can find learner driver insurance that fits your budget and gets you on the road safely and legally.