Car Insurance For 18 Year Olds
Policies from under £250*
Better prices for better drivers - we reward your care and attention!
Highly experienced UK advisors
Insurance you can trust
FCA Authorised and Regulated
Apricot, and all the insurers on our panel, are fully FCA authorised and regulated.
Friendly UK Customer Service
Our friendly UK team has over 35 years combined experience in car insurance.
Online Quotes
Get a quote online in minutes. Buy online or over the phone.
Policies to Suit Your Needs
Add options such as legal expenses cover, breakdown cover, etc.
Protected by FSCS
All policies are covered by the Financial Services Compensation Scheme for your peace of mind.
Proud BIBA Members
Established members of the British Insurance Brokers Association.
18 Year Old Car Insurance NI
Whatever your age, location or the car you drive, shopping around to find the best car insurance can feel like hard work. If you are looking for car insurance, Belfast and other Northern Ireland drivers can turn to Apricot. We compare car insurance NI quotes from the leading UK insurers to find the best quote for you. Apricot will help you avoid overpaying for car insurance while ensuring you get the right coverage that best suits your needs.
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What our customers say about Apricot Insurance
P Markey
Northern Ireland
“My household claim was settled promptly and to my total satisfaction, thank you for all your help.”
C Montgomery
Lisburn, Northern Ireland
“I have bought my car insurance from Apricot Insurance for the last few years – their staff are always friendly and easy to deal with.”
D Adams
Northern Ireland
“I am delighted that you could place my van insurance as I was having difficulty with other brokers. The premium was the best in the market and your attention to detail and friendly approach made it easy for me.”
Compare Car Insurance for 18 Year Olds with Apricot Insurance
Getting your driving licence at 18 is a big milestone—but finding the right insurance can feel overwhelming. As a young driver, you might face high premiums due to your age and limited driving experience. That’s where Apricot Insurance comes in. We make it easy to compare quotes from trusted UK providers, helping you find the most suitable and affordable car insurance for 18 year olds.
Why Is Insurance So Expensive at 18?
At 18, you’re statistically more likely to be involved in an accident than older, more experienced drivers. Because of this, insurers tend to charge higher premiums. However, comparing quotes is one of the most effective ways to find competitive prices. With Apricot Insurance, you can compare policies in minutes and ensure you’re getting good value without compromising on cover.
What Are Your Options?
When choosing car insurance for 18 year olds, you’ll generally have three types of cover to consider:
Third Party Only – The minimum legal requirement, covering damage to others.
Third Party, Fire and Theft – Includes additional protection for fire damage and theft.
Comprehensive – Offers full cover, including for your own vehicle, even in an accident where you’re at fault.
While many assume third party is the cheapest, comprehensive policies can often be better value, especially when you compare multiple providers.
Tips to Lower the Cost
There are smart ways to reduce your insurance premium as an 18-year-old driver:
✔️ Choose a car in a low insurance group
✔️ Consider a telematics (black box) policy
✔️ Limit your annual mileage
✔️ Add an experienced named driver
✔️ Pay annually instead of monthly
Why Compare with Apricot Insurance?
At Apricot Insurance, we do the hard work for you by comparing quotes from a wide panel of insurers—all in one place. Whether you’ve just passed your test or are looking to switch providers, we’ll help you find car insurance for 18 year olds that suits both your lifestyle and your budget.
Start your journey with confidence—compare quotes today and hit the road knowing you’re properly covered.