{"id":13758,"date":"2026-09-01T12:38:16","date_gmt":"2026-09-01T10:38:16","guid":{"rendered":"https:\/\/www.assap.ad\/car-insurance-new-drivers-andorra\/"},"modified":"2026-09-02T16:35:12","modified_gmt":"2026-09-02T14:35:12","slug":"car-insurance-new-drivers-andorra","status":"publish","type":"post","link":"https:\/\/www.assap.ad\/en\/insurances-andorra\/blog\/car-insurance-new-drivers-andorra\/","title":{"rendered":"How much does car insurance cost for a new driver in Andorra? Learn what affects the price and what to check before taking out a policy."},"content":{"rendered":"\n

Getting your driving licence often comes with another first: taking out your first car insurance policy. And that is when many questions arise. How much does it cost to insure a new driver? Is third-party or comprehensive insurance better? What happens if they will be driving their parents’ car? <\/p>\n\n

There is no single answer. The price and the protection you need may depend on the driver, but also on the vehicle, the type of policy chosen and the policy terms. <\/p>\n\n

In Andorra, cars are also part of everyday life for many people, and driving has particular features worth considering: mountain roads, steep gradients and winter conditions that can influence how you use the vehicle.<\/p>\n\n

If you have just obtained your licence \u2014 or if a new driver is going to start using your car \u2014 these are the points worth reviewing before taking out or changing the insurance.<\/p>\n\n

What insurance does a new driver need in Andorra?<\/strong><\/strong><\/strong><\/h2>\n\n

In Andorra, every vehicle registered in the country must be insured with a company legally authorised to operate in the Principality. Compulsory insurance must cover, at a minimum, damage to third parties and occupants. This is established by Article 98 of the Andorran Traffic Code.<\/a> <\/p>\n\n

Being a new driver does not, however, require you to take out a specific type of policy. The key decision is what protection you need beyond compulsory insurance, taking into account the vehicle you will drive and your circumstances. <\/p>\n\n

Two of the options offered by ASSAP are third-party car insurance and comprehensive car insurance.<\/p>\n\n

Third-party car insurance<\/strong><\/h3>\n\n

Third-party insurance starts with compulsory civil liability for damage you may cause to other people or their property.<\/p>\n\n

ASSAP’s third-party car insurance<\/a> includes different guarantees beyond civil liability and allows protection to be extended with additional cover such as theft or fire. Before taking out the policy, it is worth checking exactly which guarantees are included in the chosen option and which need to be added. <\/p>\n\n

It may be an option to consider when your first car is already a few years old or has a value that makes you feel own-damage cover is not necessary. However, the decision should not depend only on the age of the vehicle. <\/p>\n\n

Comprehensive car insurance<\/strong><\/h3>\n\n

Comprehensive insurance adds cover for damage to your own vehicle, in accordance with the policy terms.<\/p>\n\n

ASSAP presents its comprehensive car insurance<\/a> particularly for new vehicles or vehicles under three years old. This option extends protection to damage suffered by the insured vehicle and includes different guarantees, with the possibility of taking it out with or without a deductible. Additional cover can also be added, such as a replacement vehicle or new-for-old value for three years. <\/p>\n\n

There is therefore no single policy that is universally best for every new driver. You need to consider who will drive, which vehicle is being insured and the level of protection you want. <\/p>\n\n

How much does car insurance cost for a new driver?<\/strong><\/h2>\n\n

There is no single price for insuring a new driver in Andorra. To know the actual cost, you need a quote based on the driver’s details, the vehicle and the protection you want to take out. <\/p>\n\n

The cost may vary depending on the driver’s profile, the characteristics of the vehicle, the type of policy chosen, the cover and the policy terms. In our article on how to buy a used car in Andorra<\/a> we already recommended calculating the insurance cost before completing the purchase, because the price can vary according to factors such as the driver’s age, the type of car or the level of cover selected. <\/p>\n\n

This has an important practical consequence: if you are still choosing your first car, asking for an estimate of the insurance cost before buying it can help you calculate the vehicle’s true overall cost more accurately.<\/p>\n\n

Two cars with a similar purchase price do not necessarily have the same insurance cost.<\/p>\n\n

Are a new driver and a young driver the same thing?<\/strong><\/h2>\n\n

Not necessarily.<\/p>\n\n

A new driver is someone who has held a driving licence for only a short time. A young driver refers to age. The two often overlap because many people obtain their licence when they are young, but they are not equivalent concepts. <\/p>\n\n

You can get your first driving licence at 18, but also at 30, 40 or later.<\/p>\n\n

This distinction is useful when requesting a quote: rather than assuming that all new-driver policies work in the same way, provide the driver’s actual details so the insurer can assess the specific case.<\/p>\n\n

What if the new driver uses their parents’ car?<\/strong><\/h2>\n\n

This is a common situation: the vehicle is already insured and, after obtaining a licence, a son or daughter starts driving it.<\/p>\n\n

Do not assume that nothing needs to be done just because the driver will only use the car occasionally. Before they start driving, inform the insurer and check how this new situation should be reflected in the policy. <\/p>\n\n

This is particularly important because whether a driver needs to be added and the conditions that apply depend on the contract and the insurer. Being an occasional driver does not make them irrelevant to the policy. <\/p>\n\n

The car matters too<\/strong><\/h2>\n\n

When you request insurance, it is not only the driver who matters: the vehicle being insured also needs to be considered.<\/p>\n\n

The model, characteristics, age or value of the car can lead to different protection needs. A new vehicle, for example, may justify considering own-damage cover; with an older car, it may make more sense to consider third-party insurance and any additional guarantees you want. <\/p>\n\n

If you are looking for your first used vehicle, you can also read our guide How to Buy a Used Car in Andorra: 10 Practical Tips.<\/p>\n\n

In Andorra, it is also worth thinking about how you will actually use the car. Short urban journeys are not the same as regularly driving on mountain roads, commuting every day or frequently travelling outside the Principality. Winter conditions are also part of the vehicle’s real-world use. <\/p>\n\n

These factors do not necessarily change the premium, but they can help you decide what level of protection makes the most sense for your everyday needs.<\/p>\n\n

What should you look at beyond the price?<\/strong><\/h2>\n\n

When comparing two insurance policies, a lower premium does not necessarily mean you are comparing the same product.<\/p>\n\n

    \n
  1. Who will be listed as a driver? <\/strong>If several people will drive the vehicle, explain the real situation before taking out the policy.<\/li>\n\n\n\n
  2. What happens to your own car if you have an accident? <\/strong>Check whether only third-party damage is covered or whether own damage is covered too.<\/li>\n\n\n\n
  3. What travel assistance do you have? <\/strong>Check the situations and territories in which it applies and which services are included.<\/li>\n\n\n\n
  4. What other guarantees does the policy include? <\/strong>Glass, theft, fire, a replacement vehicle or driver accident cover can significantly change the level of protection.<\/li>\n\n\n\n
  5. Is there a deductible, limits or exclusions? <\/strong>Knowing what part of the cost you might have to pay is just as important as knowing the premium.<\/li>\n<\/ol>\n\n

    The aim is not to take out every possible type of cover. It is to understand what you are comparing and choose a policy that fits the driver, the car and how it will be used. <\/p>\n\n

    Your first car insurance with ASSAP<\/strong><\/h2>\n\n

    Getting your licence already involves enough decisions. Your insurance should not be one you make blindly. <\/p>\n\n

    At ASSAP, we can review with you which vehicle you will drive, who will use it and what protection you need, helping you understand the available options before taking out a policy.<\/p>\n\n

    Tell us about your situation and request a quote for your car insurance.<\/strong><\/p>\n\n

    <\/p>\n","protected":false},"excerpt":{"rendered":"

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