There’s no getting away from the fact that young drivers tend to have higher car insurance premiums. The way car insurance is worked out all depends on risk. Young drivers tend to be less experienced and therefore higher risk with a premium to match. This is based on government research that shows that young drivers or those who have just passed their test have more accidents then most older or experienced drivers. The more accidents you have the more likely you are to make a claim.
Source: http://www.churchill.com/churchillguide/youngdrivers.htm

So what can you do as a young driver to make your car insurance affordable? We base your premium on what kind of car you drive and the expected mileage of the car for the next year. Taking your Pass Plus test can also help to reduce your premium. You need to call us to add this to your policy.