Policy & cover
Car insurance fronting
The basics about why fronting is illegal and how insurers spot it
How much is car insurance for drivers over 25?
Car insurance premiums tend to drop once you turn 25 (presuming you've been driving for a few years already) and get cheaper as you get older. That's because older drivers are seen as less of a risk when it comes to accidents.
However, costs still depend on many factors – not just your age.
Here's how typical car insurance costs compare between over-25s and those under 25:
Age band | Typical annual premium2 |
|---|---|
17-24 | £1,363 |
25-29 | £717 |
30-39 | £563 |
40-49 | £490 |
50-59 | £391 |
60-69 | £322 |
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.
Building up 4-5 years of driving experience could typically save you £1,153 a year on your car insurance compared with being a new driver2.
This is because, regardless of age, new drivers lack experience on the roads. They also won’t have had the chance to build their no-claims bonus.
What our expert says...
“Insurance companies analyse vast quantities of data that show how likely you are to make a claim at each age in your life. If you’re only just over 25, you’re still seen as a higher risk than older drivers.
“Your premiums will reflect this, so it’s worth looking at ways you could save. If you only use your car occasionally, you might want to consider pay-as-you-go insurance, which is based on the number of miles you drive.”