Over-25s car insurance

Over 25? See if you can bag cheaper cover

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How much is over-25s car insurance?

Car insurance premiums tend to drop once you turn 25 (assuming you've been driving for a few years already) and get cheaper as you get older. That's because older drivers are generally considered less likely to be involved in accidents.

However, costs still depend on many factors – not just your age.

Here's how the cost of comprehensive car insurance compares between different age groups:

Age band

Typical annual premium2

17-24

£1,338

25-29

£700

30-39

£551

40-49

£486

50-59

£387

60-69

£320

If you're a new driver over 25

If you've only just passed your driving test, you should expect to pay more for your car insurance than someone the same age who’s been driving for a few years.

This is because, regardless of age, new drivers lack experience on the roads. They also won’t have had the chance to build a no-claims discount (NCD).

What else can affect car insurance prices?

Your driving history

Your car

Where you live and park

How you use your car

Who drives your car

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How do I find cheap over-25s car insurance?

If you've started driving in your 20s, cheap cover can be hard to come by. But there are ways you may be able to cut the cost of your insurance.
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Drive a cheaper car

Choosing a car in a lower insurance group could significantly lower your premium.

If you drive a performance or expensive vehicle, it might be worth switching to a cheaper model that costs less to run and repair.

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Pay annually

Monthly instalments tend to include interest, so you end up paying more overall.

Drivers who pay for their car insurance monthly spend around £225 more than those who pay for the whole year upfront2.

As well as interest charges, this figure will in part be due to younger drivers with higher premiums being more likely to pay monthly.

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Take out black box insurance

Also known as telematics insurance, black box cover is often useful for young and new drivers. But it could help reduce premiums for over 25s too.

It rewards safe driving, so you could get a discount at renewal.

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Pay a higher voluntary excess

Voluntary excess is the amount you pay towards the cost of a claim. Upping it could reduce your premiums.

Drivers aged 25 to 29 typically save £71 on their car insurance by increasing their voluntary excess from £50 to £1002.

Just keep in mind that you'll need to be able to pay the increased amount if you make a claim.

And don’t forget about the compulsory excess, which most providers charge. If you make a claim, you’ll need to pay both the voluntary and compulsory excess.

Car and repair garage

Park off the road

If possible, leave your car in a locked garage or on a driveway, rather than the road, to reduce the risk of theft or damage.

Drivers aged 25 to 29 who park on their drive typically save £100 compared with those who park on the street outside their home2.

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Build up a no-claims discount (NCD)

For every year you go without making a claim, you’ll be rewarded with a no-claims discount. This can save you a lot of money on future premiums.

Having five years of NCD in your late 20s could save you £795 a year compared to a new driver in the same age group with no NCD2.

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Shop around

Shopping around can be a good way to make sure you find the lowest car insurance price for you – and you could save up to £566 simply by comparing through us3.

Quick tip

Looking for more money-saving tips? Take a look at these 21 ways to get cheaper car insurance.

What level of car insurance can over-25s get?

Car insurance usually comes in three categories: third-party, third-party fire and theft, and comprehensive.

Third-party only

  • The minimum legal requirement in the UK

  • Covers you for damage or injury to other people and their vehicles

  • 25-29-year-olds typically pay less than £1,267 a year for third-party (TPO) car insurance2.

    Compare TPO

    Third-party, fire and theft

    • Includes everything third-party cover does

    • Also protects your car against fire, damage and theft

    • 25-29-year-olds typically pay around £1,028 a year for third-party, fire and theft (TPFT) policies2.

      Compare TPFT

      Comprehensive

      • Covers you and damage to your car

      • Includes everything covered by third-party and third-party, fire and theft car insurance

      • 25-29-year-olds tend to pay £700 a year for comprehensive cover2.

        Compare comprehensive

        Did you know?

        Even though it offers the highest level of protection, comprehensive cover is often the cheapest option.

        That’s because drivers who commonly take out third-party policies may be from higher-risk groups, such as young and new drivers.

        More experienced, lower-risk drivers may be more likely to search for comprehensive cover.

        It's always worth comparing policies rather than assuming that less cover will be cheaper.

        What extras can I add to my over-25s car insurance?

        Most add-ons cost extra. If you need more cover, you can usually add these to your policy:
        Breakdown icon

        Breakdown cover

        Get roadside assistance if you break down while on the road. This can come in handy if you have an older or unreliable car.

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        NCD protection

        This usually lets you make up to two claims within a three-year period without affecting your premium (rules may vary by provider).

        If you have a few years of NCD built up, it might be worth protecting them.

        Car keys

        Key cover

        Get your car keys replaced or reprogrammed if they’re lost or stolen.

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        Motor legal protection

        Helps cover legal fees after an accident that wasn’t your fault (up to an agreed limit). This can help if you want extra peace of mind.

        Hospital icon

        Personal accident cover

        Get a lump sum payout if you’re injured or killed in an accident. This can be useful for any loved ones that depend on you financially.

        Amy Rootham

        What our expert says...

        “Insurance companies analyse vast quantities of data, including your age, that show how likely you are to make a claim. If you’re only just over 25, you’re still seen as a higher risk than older drivers, but your premium may come down if you’ve been driving for a while.

        “It’s still worth looking at ways you could save more money. For younger drivers, a black box policy is one of the best ways to bring your car insurance cost down. Our data shows that 45% of drivers aged 25-29 can save money this way2."

        Amy Rootham, Insurance expert

        More car insurance guides

        Get to grips with the three main types of car insurance, how to find cheap policies, and tips if you're a new driver

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        Check your car's insurance group and how it could affect your premium

        FAQs

        Is car insurance for over-25s cheaper 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.

        Should I add a more experienced driver to my policy?

        Adding a named driver could be a good way of getting cheaper car insurance. In fact, our data shows it could shave £158 off the cost2.

        Just make sure that whoever uses the car most is actually named as the main driver. Otherwise, you may be guilty of a form of insurance fraud known as fronting.

        Can I get cheap women’s car insurance for over-25s?

        By law, insurance providers aren't allowed to offer cheaper car insurance based on gender. So, there’s no such thing as women's-only car insurance.

        If there are differences between average prices paid, this is because women tend to have a more favourable risk profile. For example, women are less likely to get points on their licence than men and statistically make fewer claims.

        And on average, women are also slightly older than men when they start driving. This means they tend to avoid some of the highest premiums for young drivers.

        I’m over 25 and my circumstances have changed. Will my car insurance premium be affected?

        Your car insurance premium could be affected at any age if your circumstances change. For example, moving home, starting a new job or getting a different car will likely affect your price.

        But that doesn’t necessarily mean you’ll pay more – it all depends on exactly what’s changed.

        Tell your provider about any recent changes and check your policy documents to see what they need to know.

        Looking for something else?

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        Sam Wilson
        Reviewed 09 Oct 2026 bySam WilsonInsurance expert

        Sam Wilson is Head of Commercial Finance at Compare the Market and one of our core insurance experts on motor, home, van, motorbike and pet insurance products.

        With over seven years at Compare the Market, Sam has a detailed understanding of how customers shop for insurance, what drives differences in premiums, and how small changes — such as shopping around at renewal or reviewing cover — can make a meaningful difference to what people pay.

        Sam regularly comments in national and trade media on insurance costs, value for money and consumer savings, helping people understand how to get a good deal without focusing on price alone.

        Methodology

        1 Based on Online independent research by Consumer Intelligence during September 2026, 51% of customers could achieve this saving on their car insurance through Compare the Market.

        2 Based on 51% of customers who compared quotes for this type of policy in August 2026.

        3 Based on Online independent research by Consumer Intelligence during September 2026, 51% of customers could achieve this saving on their car insurance through Compare the Market.