Home › Guides › Your first car after passing: what to budget for
Your first car after passing: what to budget for
Some links here are affiliate links: we may earn a small fee if you buy, at no extra cost to you.
Passing your test is only the start. New drivers face high insurance costs, so plan your budget before you buy.
What it really costs
- Insurance: usually the biggest cost for young and new drivers. Get several quotes before you choose a car, because the same driver can be quoted very different prices for different models
- Vehicle tax: depends on the car. Check GOV.UK for the current rates
- MOT: cars over three years old need one every year. See the car's MOT history on GOV.UK before buying
- Fuel, servicing and tyres: smaller engines usually cost less to run
Choosing a first car
- A small, common car is usually cheaper to insure, repair and find parts for
- Check the MOT history and service record before you buy
- Take someone who knows cars, or have it inspected, if you are not sure
Cheap upgrades worth having
A dash cam is popular with new drivers because footage can help in a dispute after a collision, and some insurers take it into account. Options include Car Audio Centre, which sells and fits them, and Rexing (a US brand, so check UK delivery times and warranty first). For wipers, bulbs, a battery and other basics, GSF Car Parts offers click and collect.
Keep in the car
- A torch, warm clothing and a phone charger
- A high-visibility jacket and a warning triangle
- Your breakdown cover details
- Tyre tread gauge or a coin to check tread depth (the legal minimum is 1.6 mm)
Need help?
Use the form to send a free enquiry. We'll pass it to an independent local driving lessons provider.