Compare Car Insurance for Safe Driving Life

 If you are under the age of 25, your car insurance will be very expensive because the prices are calculated based on statistics and risk. 

Your lack of experience will also drive up the price. As a young driver, you are unlikely to have bonus years without claims proving that you are a safe driver. 

Is it cheaper for young women? It turns out that the stereotype that young male drivers are particularly prone to accidents is a myth: government statistics show that young drivers are as likely to be injured in a collision as young male drivers. 

Even if the stereotypes were true, insurers cannot offer car insurance for women at a lower price than for men, so all young drivers pay the price for inexperience, regardless of gender.

How much does car insurance cost for young drivers?

The quotes you receive depend on your address, your car and the type of coverage you choose, as well as many other factors. Do not assume that exclusive third party coverage (the minimum level of insurance) is the cheapest. 

The average cost of comprehensive car insurance for 18-24 year olds was £ 919. But it was £ 1,309 for exclusive third party (TPO) coverage. For 17-year-old drivers buying full insurance, there's no avoiding the fact that it's still expensive - we found that the average rate for an annual policy has been around £ 1,000 over the past three years. Comparison of policies is more important than ever at the start of a driving career.

How can young drivers get cheaper car insurance?

There are a few things you can do to reduce the cost of your prize:

• Choose a small car

Small cars with modest engines are found in lower insurance groups, which means they are cheaper to insure

• safety

If your first car is of the older and cheaper variety, installing a Thatcham approved alarm or tracker will give you a discount from some insurers

• Changes

Improving the look or performance of your car will mean insurers will charge more - a modest, factory standard car will be cheaper to insure

• Gain experience

It takes time to rack up a no-claims bonus, but you can also get a discount to get some advanced driving qualifications

• Coverage for multiple cars

If you live with your parents, purchasing a multi-car policy for all vehicles in the house may be cheaper

• Additional driver

If even a more experienced driver has used your car, you can add them as an additional driver and this could make your policy cheaper. 

Alternatively, if you drive your parents' car, it may be cheaper for them to add you as an additional driver. Always tell the truth about who the main driver is, otherwise you or your parents could be guilty of a type of fraud called façade.