Cheap Learner Driver Insurance Quotes
On a provisional licence, you can practise in your own car or a family/friend’s car once you’re correctly insured and accompanied by a fully-licensed driver. We compare policies from trusted Irish insurers to help you find affordable cover while you complete your 12 EDT lessons and build real-world driving experience.
RSA-approved driving instructors are covered by their own insurance during lessons. For extra practice outside lessons, make sure the vehicle is insured in your name or that you’re added as a named driver. Always display L-plates and follow learner restrictions under Irish law.
Also, note that new regulations mean you’ll now need your driver number when applying for or renewing your policy, see our full guide on Ireland’s new driver number rules for 2025.
Want to improve your pass chances? Check out our guide: tips to pass your Irish driving test. When you’re ready, compare car insurance quotes or talk to us on 042 935 9090.
Compare Young & First-Time Driver Insurance Quotes
Whether you’re a young driver starting out, a first-time driver buying your first car, or a newly qualified driver who’s just passed your test, we’ll help you compare affordable car insurance quotes in Ireland. Premiums can be high for new and learner drivers, but there are many ways to save, from choosing the right car to building your No Claims Bonus early.
Tips to Get Cheap Young & First-Time Driver Insurance
Practice Makes Perfect
Complete your 12 EDT driving lessons and get plenty of supervised practice. The more comfortable you are behind the wheel, the safer your driving record will be, helping to lower future premiums.
Choose a Smaller Car
Cars with smaller engines are cheaper to insure and run. Start with a reliable, low-powered vehicle that’s easy to manage and affordable to cover.
Increase Your Voluntary Excess
Agreeing to pay a higher excess if you make a claim can reduce your premium. Just make sure the amount is affordable in case of an accident.
Add an Experienced Driver
Including a parent or another experienced driver on your policy can help cut costs. Be careful to avoid “fronting” — the main driver must always be the person who uses the car most often.
Consider a Black Box Policy
Telematics or black box insurance tracks your driving behaviour. The safer and more consistent you drive, the better your renewal discounts are likely to be.
Compare Quotes
Insurance prices vary across providers. Always compare motor insurance quotes to make sure you’re getting the best deal for your age, experience and licence type.
Still unsure which type of cover suits you best? These common questions might help.
Frequently Asked Questions
Can learner and first-time drivers get insured in Ireland?
Yes. Most Irish insurers offer dedicated policies for learner drivers and first-time car owners with provisional or newly issued licences. These plans help you practise safely, gain experience, and start building a No Claims Bonus from your very first policy.
Is it cheaper to be a named driver on someone else’s policy?
In many cases, yes. Being added as a named driver on a parent’s or guardian’s insurance policy can be more affordable than taking out your own standalone cover, especially for new or young drivers.
Am I allowed to drive any car as a learner?
Only if you’re properly insured to do so, and you’re driving with someone who holds a full licence. You’ll also need to display your L-plates clearly and follow all learner driver restrictions under Irish law.
Do I need a driver number to get car insurance in Ireland?
Yes. Since 2025, all Irish insurers require your driver number when applying for or renewing a car insurance policy.
This number, printed on your learner or full driving licence, allows insurers to verify your licence details and driving history directly with the National Driver Licence Service (NDLS). The rule helps reduce fraud and speeds up the application process for both drivers and insurers.
Flexible Payment Options for Young Drivers
Many Irish insurers now offer flexible monthly payment options for young, new, and first-time drivers. You can often spread the cost over the year instead of paying upfront. Call Amanda or Alison on 042 935 9090 to discuss payment plans that suit your budget.