Young driver insurance

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Young driver insurance could cost you more than your car. If you are aged between 17 and 25 years old, then you are in the age group that attracts the most expensive car insurance. Learn how to keep costs down with help from Young Car Driver.

Why young driver insurance costs so much

When you are between 17 and 25 years old, you are a young car driver. Your age group only represents 12% of UK car drivers but accounts for a third of all people who die on our roads. The car insurance premiums set by the insurers for young drivers simply reflect these stats, which explains the higher cost of young driver insurance.

  • More than 5,000 people are killed or seriously injured in accidents involving at least one young car driver.
  • The single biggest cause of accidental death of young people aged 15–24 is road accidents.
  • An 18-year-old driver is three times more likely to be involved in a crash than a 48-year-old driver.
  • 40% of all 17-year-old males have an accident in their first six months of driving.

No claims discount

After just one year of accident-free driving, you will start to receive a no claims discount NCB. Even as a young driver, this can significantly reduce the cost of your insurance premiums.

What you can do to reduce the cost of your car insurance

The best way to keep the cost of car insurance down as a younger motorist is to drive a low insurance group car. Nothing will reduce your premium more this. The reason is when calculating your premium. Insurers take into consideration the insurance group of the vehicle, as well as the type of car. They will consider speed, acceleration, colour, security features and more.