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.
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.
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 £904.33^^, whereas insurance for young drivers (age 17-24) costs an average of £1,264**.
^^Average price amount based on the top-five quotes from Compare the Market data from 1 December 2019 to 1 March 2020. You may find a cheaper or more expensive quote based on your circumstances.
**Compare the Market's Young Drivers research from March 2020.
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 are 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 generally 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 could also have an impact on your car insurance quotes. For example, high-spec models with lots of modifications tend to be more expensive to insure.
Where you live can have an impact on how cheap your over-25s car insurance quotes are, so consider this if you are looking to rent or buy your first home.
Also, customers may want to check if it’s beneficial and/or affordable to protect their no-claims bonuses.
Black box or telematics insurance can often be appropriate for very young drivers, but it can help to reduce premiums for over 25s, too.
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.