Everything you need to know about over 25s car insurance
While younger drivers often end up paying more for their car insurance, drivers over 25 can pay less. This is because older drivers are seen as less of a risk when it comes to accidents, and the statistics tend to back that up.
How much could I save now I’m over 25?
As with all car insurance quotes, this depends on a number of factors. However, we found that the average car insurance premium for a 25-29-year-old is £848.21^^, whereas insurance for young drivers (age 21-24) costs an average of £1,036.24^^.
^^Average premium based on the average P1-5 prices (5 cheapest prices) for enquiries with a clickthrough, from Compare the Market data from 1 October 2020 to 1 January 2021. You may find a cheaper or more expensive quote based on your circumstances.
Frequently asked questions
Why is over 25 car insurance often cheaper?
Drivers over the age of 25 are usually considered less of a risk than younger motorists when it comes to accidents on the road. That’s why their car insurance quotes could be cheaper. The statistics are quite clear that risk does decrease with age and experience.
There’s also more chance you’ll have built up a few years of no claims, which can help to reduce the overall cost of your car insurance.
Will I pay less for insurance if I’m a new driver over 25?
New drivers of any age will pay more for car insurance than experienced drivers, as they’re considered to be at greater risk of being involved in an accident. And as a new driver, you won’t have built up much of a no-claims discount. But you probably won’t pay as much for your insurance as a new driver under 25.
Will my car insurance go down as soon as I turn 25?
Car insurance typically goes down gradually from the age of 21-24, and again at around the age of 25. However, age is just one factor that car insurance providers consider when giving you a quote. Other factors include the age and type of vehicle you drive, your average mileage, whether you have any penalty points, and if you have any named drivers on your policy.
Is car insurance cheaper for drivers over 25 with low mileage?
Being an older driver over the age of 25, coupled with having low annual mileage can be an advantage for car insurance. That’s why it could pay to keep your mileage down. For example, you could take turns to car share with a friend or colleague so each of you reduces your overall mileage.
Are there other ways to reduce car insurance for over 25s?
Aside from turning another year older, there are other ways to find cheap car insurance for over 25s.
The type of car you drive has an impact on your car insurance quotes. High-spec models with lots of modifications tend to be more expensive to insure. Different cars fall into different car insurance groups.
There are 50 in total and the lower the number of the group, the cheaper the car is going to be to insure. For example, cars in group 1 should be the cheapest to cover, while cars in group 50 are likely to be the most expensive. You can use our handy car insurance group checker to investigate.
Black box or telematics insurance can often be appropriate for very young drivers. But it can help to reduce premiums for over 25s, too.
Taking out a higher voluntary excess would likely reduce your premiums. Just keep in mind that you’d need to pay this increased amount in the future, if you needed to make a claim.
How do I find cheap car insurance for new drivers over 25?
Shopping around is a good way to get a quote for over-25 car insurance that is right for you. Compare with us today and see if you could save.
How much does car insurance cost?
50% of consumers could save up to
**Based on Online independent research by Consumer Intelligence during February 2021, 50% of customers could achieve this saving on their car insurance through Compare the Market.
What do I need to get a quote?
You’ll need to give us some information about you and your car, including:
- the make and model, as well as your registration number
- what you use your car for and your average yearly mileage
- information about your NCD (no-claims discount)
- if you’ve made any previous claims or if you’ve been involved in any accidents in the past (even if they weren’t your fault).
- details of any additional drivers you’d like added to your policy.
From the Motor team
What our expert says
“The cost of car insurance is based on a lot more than just age. If you think you’re paying more than you should be, this could be due to the specific type of car you drive or a higher than average mileage. It might pay to shop around for a better deal.”
Why use Compare the Market?
Get a quote in 5 minutes^^^
92.8% of customers found our prices competitive or very competitive^^^^
95.6% of customers found our car insurance experience easy or very easy***
^^^On average it can take less than 5 minutes to complete a car insurance quote through Compare the Market based on data in November 2020.
^^^^For the period 1st September 2020 to 30th November 2020, 2,014 people responded to the statement “I think the prices provided by CtM are….” 1,869 responded with ‘competitive’ or ‘very competitive’ (92.8%).
***For the period 1st September 2020 to 30th November 2020, 2,014 people responded to the question “When completing a quote using CtM, how did you find it?” 1,925 responded with ‘easy’ or ‘very easy’ (95.6%).Start a quote
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We compare prices for 132† car insurance products from leading providers.
†Correct as of November 2020.