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Why is car insurance cheaper when you turn 25?
Car insurance gets cheaper around 25 because insurers see drivers at this age as more experienced and lower risk. By then, you've likely built a clean driving record, handled a few years of claims-free driving, and proven that you can manage a car responsibly. This combination of experience and lower accident likelihood means premiums drop.
Does car insurance get cheaper after 25?
Yes. Car insurance often drops after 25 because insurers view these drivers as more mature and responsible. At this age, statistics show fewer accidents and claims, so premiums naturally decrease. It's also easier to access cheaper policy options and discounts that weren't available to younger drivers.
How much is car insurance for drivers over 25?
For drivers over 25, car insurance tends to be closer to the average for all drivers, around £643* a year, much lower than the £1,461* average for 17-24-year-olds.
Of course, your exact premium will still vary depending on factors like your car, location, and driving history:
- Cars that are expensive to repair, fast, or high-theft models cost more to insure.
- Urban areas with more traffic or higher crime rates tend to have higher premiums, while rural areas can be cheaper.
- A clean record with no claims or accidents shows insurers you're low risk, which lowers costs. Past claims, accidents, or penalties push premiums up.
What type of car insurance is best for over 25?
Each type of car insurance offers a different balance of cost and protection.
Third-party insurance
This is the most basic form of cover and is legally required in the UK. It protects you if you cause damage to someone else’s vehicle, property, or even injure another person. However, it doesn’t cover repairs to your own car.
Third-party, fire and theft insurance
This level provides additional protection beyond standard third-party insurance. It still covers damage you cause to others, but it also helps if your car is stolen or damaged by fire.
Comprehensive insurance
Comprehensive insurance covers damage to both your vehicle and others, even if the accident is your fault. Some policies even include extra benefits like windscreen cover and roadside assistance.
What optional extras do I need?
Standard car insurance covers the basics, but optional extras offer better protection and convenience.
Breakdown cover
Provides roadside assistance or towing if your car won’t start or breaks down during a journey. Some policies also include minor on-the-spot repairs.
Motor legal protection
Covers legal costs if you need to make or defend a claim following an accident. This can include solicitors’ fees, court costs, and other expenses associated with pursuing compensation or defending against a claim.
Courtesy car cover
Courtesy car cover provides a temporary replacement vehicle while your own car is in the garage for repairs after an accident. Depending on the policy, the replacement may be similar in size and type to your own car.
Personal belongings cover
Personal belongings cover protects items inside your car, such as bags, electronics, or other valuables, if they are damaged, lost, or stolen. This includes situations like break-ins or accidents.
Personal accident cover
Offers financial support if you or your passengers sustain injuries in a car accident. Payouts can cover medical costs, serious injuries, or loss of income.
How do I find cheap car insurance for new drivers over 25?
Even as a new driver over 25, car insurance can be expensive, but the right combination of car, policy, and payment options can cut costs noticeably.
Choose a car in a lower insurance group
Consider small hatchbacks or saloons. Their size and design make them easier to handle, safer in minor collisions, and cheaper to repair, which insurers view as lower risk.
Consider a telematics (black box) policy
A telematics, or black box, policy monitors your driving habits and can reward safety with lower insurance costs.
Increase your voluntary excess
A higher voluntary excess lowers your premium, but it's important to choose an amount you could comfortably pay if you need to make a claim.
Limit annual mileage if realistic
Insurers use mileage as a key factor in assessing risk, so accurately reporting a lower figure can lead to significant savings, especially if most of your driving is short local trips rather than long daily commutes.
Pay annually instead of monthly
Paying your insurance in a single annual lump sum often works out cheaper than spreading the cost over monthly instalments, as there are no interest charges added.
Avoid unnecessary add-ons
Skip optional add-ons to keep your policy focused on essential coverage. Policies already cover the main risks, so extras may duplicate what you already have or rarely get used.
FAQ
Can new drivers over 25 get telematics insurance?
Absolutely. Telematics insurance, referred to as “black box” insurance, is available to drivers of all ages, including those over 25. This type of policy uses technology to monitor driving habits: speed, braking, and time of day, rewarding safe driving with potential discounts.
Should I add a more experienced driver to my policy?
Adding a more experienced driver to your policy can help reduce your premium, as insurers view them as lower risk.
Do new drivers over 25 pay more for insurance than experienced drivers of the same age?
New drivers over 25 generally face higher insurance premiums than experienced drivers of the same age. Insurers base rates largely on driving history, and without an established record, new drivers are seen as higher risk. Over time, as a clean driving history is established, premiums gradually decrease.
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