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Compare Cheap Car Insurance For Under 25 Year Olds

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Cheap Car Insurance For Under 25 Year Old Drivers

Youth is typically something that everyone wants back when they no longer have it, however when it comes to car insurance being older is generally an advantage. Young drivers under 25 are generally stung by painfully high insurance premiums, however this doesn’t mean you need to accept the higher price tag

Young drivers are typically considered to be anyone who are under the age of 25. The reason for this is as a young driver you’ll simply lack the experience that an older driver has behind the wheel and so insurers won’t be able to accurately assess your driving skills. As a young driver it’s critical that you compare car insurance quotes from a wide range of providers before deciding on which one to go with. It can be tempting to choose the first option on a google search for convenience but doing so isn’t likely to result in a cheap quote. By using an independent comparison tool you can increase your chances of finding a more competitive price on your car insurance.

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How much is car insurance for an under 25 year old?

Whilst your age is obviously a key factor in the calculating of your premiums it is not the only thing that is being evaluated however. Your car and it’s value along with your level of coverage will also play a major factor in these calculations. Generally speaking the more comprehensive an insurance policy the greater amount you’ll be charged, however this is not always the case. Many higher risk drivers opt for the cheapest form of coverage which is third party, this in turn can drive up the price of basic insurance till the price difference between a comprehensive and third party policy is minimal. Any penalty points you’ve accumulated will also dramatically increase the amount you pay on your premiums, with 3 penalty points driving up your premiums by as much as 25%. Where you park your car will also impact your premiums as cars pared in a secure garage will be less at risk of theft than cars parked on the road.

Whilst it’s true that all these factors will be different for each individual and so quotes can vary wildly between different people, below is a breakdown of the average annual premiums by age group

Driver Age Group Average Annual Premium*
17 – 24£1028
25 – 29£861
30 – 39£697
40 – 49£544
50 – 59£417
60 – 69£327
70 – 74£295
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*Based on data using a large randomised sample of quotes from throughout 2022 from across the UK

As shown above there is a significant increase in the amount for your premiums for drivers under the age of 25. However these figures are just the average for that particular age group and does not necessarily mean this is what you’ll pay. What you’ll pay will ultimately come down to your own unique situation so remember to compare as many quotes as possible to ensure you increase your chances of finding a deal.

How to get cheaper car insurance as a 25 year old?

There are a few simple steps that can be taken to reduce the costs of your car insurance premiums, Whilst you will face higher premiums as a younger driver under 25 there are still some practical steps that can be taken to reduce your costs.

  • Ask a family member to add you to their policy as a named driver: The main driver on an insurance policy has a greater influence on the cost of that insurance than additional named drivers. In many cases that means it is cheaper to insure you to drive a family member’s car than it would be to take out a standalone policy for your own vehicle.
  • Opt for a higher voluntary excess: Volunteering to pay more on excess should you need to make a claim can be a great way of reducing your premium. However you should be cautious that you can actually pay for it in the event of an accident. For more information on how excess works check out the following guide.
  • Opt for a car that’s cheaper to insure: If it’s not practical to be added as a named driver to a family member’s car then it’s important to bear in mind that it’s not just your personal details that will affect the overall cost of your insurance. Details about the car itself, such as its age, make and model, and insurance group, will play a significant role in the insurance premium calculation. With that in mind, it would be advisable to compare insurance quotes for cars before you buy one of those vehicles – that way you can opt for a car that’s cheaper to insure.
  • Paying annually instead of monthly: While you may have the option to pay for your insurance on an ongoing monthly basis, opting to pay for the full year upfront could reduce the cost a little.
  • Opting for more comprehensive cover: Quotezone.co.uk has revealed that drivers aged 21 or younger could save an average of 11% by opting for a fully comprehensive policy. This is due to more risky drivers opting for third-party only so Insurers reflect this in their pricing.
  • Don’t mod you car: modifications such as tinted windows, neon lights, exhaust modifiers and even stickers can increase insurance premiums Quotezone.co.uk has found. Some modifications can even void your insurance policy so check that any modifications made are compliant. A shocking 15% of policy holders are also not aware that their insurance can be made void by violating the terms of their policy.

You should expect to pay more on your car insurance if you live in a city as opposed to a rural area

Can a black box reduce my premiums?

If you are a young driver you can elect for telematics insurance by installing a black box in your vehicle. This monitors your driving behaviours and lets insurers know you are a good driver. As a result having a black box installed can reduce your premiums as the insurers will view you as less of a risk to insure. A black box essentially monitors your speed, breaking behaviour, when you drive your car, how you turn corners and how aggressively you accelerate. As a young driver you’ll naturally lack a significant driving history to evaluate, so having a black box installed can be a viable way of reducing your premiums.

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*51% of consumers could save £504.25 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from September 2023 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.

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