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Young Driver Insurance in Northern Ireland

Choose Sterling for affordable young driver insurance – quotes start from £960.

How to get young driver insurance from Sterling NI

Give us a call

Our best quotes are available over the phone. We’ll do all the legwork for you in just 10 minutes; just tell us a few details about yourself and your car.

Tailor the quote to your needs

You can choose extra benefits such as breakdown cover, keycare, and windscreen cover.

Get driving

You can start driving on the day your insurance policy begins.

Young Driver Insurance for Northern Ireland Residents from just £950

We compare young driver insurance quotes for you

As a new and inexperienced driver, you’re often seen as a higher risk to insurers, meaning it’s not unusual for you to face a quote in the thousands. Whilst your insurance is likely to be more expensive than someone who’s driven for decades, we can help you save money by comparing dozens of quotes for you.

At Sterling NI, we have exclusive insurance deals for teens, so even if you’ve received an expensive quote through another provider, we might be able to help. Our simple process and knowledgeable team help drivers taking out insurance for the first time get cover quickly and easily.

Why choose Sterling Northern Ireland young driver insurance?

There are a number of reasons why you should take out young driver car insurance with us. This includes:

Pay in monthly instalments

We’ve all been young. Whether you’re in university, figuring out what you want to do, or starting a new career, our flexible monthly plans will help you start driving sooner.

Helps you build your no claims bonus

Taking out a separate insurance policy like this one will help you build a no claims bonus. If you successfully complete a year of claim-free driving, this will lead to significant reductions in your car insurance renewal quote.

Prices start from just £950

At Sterling NI, we tailor your car insurance policy to your needs and budget. We offer a range of different options, from black box insurance, limited mileage insurance, short-term cover, or regular insurance for young drivers, meaning there’s something for everyone at the right price.

Stress-free experience

We compare quotes for you to ensure your experience is stress free. That means no more filling in countless online forms.

Modified vehicles are not a problem

We offer cover for up to £1,500 worth of cosmetic car modifications.

Previous learner driver NCB accepted

We accept no claims bonuses that have been built up while you were learning to drive.

How can I get cheaper car insurance for young drivers?​

There are a number of ways you can save money on your young driver insurance. This includes:

Completing extra driving qualifications​

Courses like PassPlus and RoSPA can help reduce your insurance premiums when passed. Not only will this give you more experience behind the wheel with a supervisor, but it also tells us that you really value your safety while driving.

Choose a car in a low insurance group​

In general, using a car or other vehicle that’s found in insurance groups on the lower end of the scale will help reduce premiums.

Increase your excess

If you’re willing to fork out more money in the event you need to make a claim, increasing your excess can help reduce your insurance costs. You must always ensure that you’ll be able to pay this off in the event that you need to make a claim, though.

Drive safely

Whilst your first year driving might be an expensive one, driving safely and responsibly will help reduce your premiums over the coming years. You might be surprised by how much NCB will reduce the cost of insurance.

Consider telematics insurance

If you’re a safe driver, black box insurance from us can help reduce your premiums significantly – sometimes by up to 60%!

Kit your car out with security features

Thatcham-approved security features like a tracker will help in the event you need to make a claim. A dashcam can also be useful should you need to back up your claim.

Keep your car in the garage​

This will help reduce the likelihood that your car is stolen, which can help reduce premiums.

Drive fewer miles

We have limited mileage policies that can help you save on your insurance.

Which type of insurance should I get?​

Fully comprehensive

This is the highest level of protection you can get and protects you regardless of who is at fault.

Third-party, fire and theft

This covers damage to other people, their cars and their property, as well as your vehicle in the event it gets stolen or damaged by fire.

Third-party only

This will only cover damage to other people, their car, or their property in the event of an incident. This cover is the minimum level of coverage you must get.

Get a quote with us!

It’s easy

Frequently asked questions

What’s the average cost of car insurance for new drivers?

Car insurance for new drivers between the age of 17 and 20 costs £1,800 on average. Whilst this decreases after 21 years of age, you’re likely to still face a policy costing over £1,000. That’s why it’s so important to call around.

When does car insurance get cheaper for young drivers?

With a clean record, you’ll find that your insurance quote will get cheaper each year. There is generally a fairly significant reduction in cost once you turn 20 and for every year following. When you turn 25, there is another big reduction in your quote.

What if I drive a 4x4 or classic car?

Even if you drive a vehicle a little out of the ordinary, we can help. As a specialist insurance provider, we’re usually able to cover young drivers where others cannot, even if they’re driving a vehicle that’s a little different than the usual. In fact, we enjoy helping you secure affordable insurance where other providers cannot!

What’s the best way to insure a teenage driver?

This depends on their circumstances. If the teen has purchased a new vehicle and will be the sole driver, they’ll need to take out their own insurance policy on the car. On the other hand, if they’ll be using their parent’s car infrequently, they could potentially be added to the parent’s policy as a named driver.

If the young driver is going to use a parent’s car more than the parent though, the insurance company need to know this as it is important that the policy is correct. Some insurers will not allow a young driver to be the main driver if the policy is in a parent’s name.

Can I put a young driver on my insurance?

Yes, you can potentially add them as a named driver. Watch out though; whilst putting them on your insurance as a named driver can help save money on insurance, if they will in fact be the main driver, you will technically be committing an illegal offence called “fronting.”

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