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Typically, drivers aged 25 and over pay less for car insurance than younger drivers. There are a number of reasons:
The overall risk is lower for insurers compared to those who have just passed their driving test. Female drivers aged 17 to 24 are involved in 17% of collisions, compared to 7% aged 25 to 49, according to Department for Transport data.
For male drivers the difference is even greater - a third of 17 to 24 year old males are involved in collisions compared to 16% aged 25 to 49.
Drivers aged 25 and over may have built up a number of years’ driving experience, making them safer on the road than a younger driver who has just passed their driving test.
However, if an older driver has built up penalty points or driving convictions, which could stay on their licence for up to 11 years, depending on the offence, their premium could be affected.
By the time you are 25 you may have built up a number of years without any incidents. If you go for at least 12 months without making a car insurance claim, your insurer will apply a no-claims bonus or discount to your premiums. Usually, the longer you go without claiming the more you save.
Although insurance premiums start going down at 25, you’re still likely to pay more than older age groups. Drivers aged 20-29 pay £1016.53, on average, compared to £629.53 for those aged 30-39, according to MoneySuperMarket data.
These figures are averages and how much your car insurance costs will depend on personal factors such as your job title, where you live and what car you drive.
Age of main driver | Average annual premiums |
|---|---|
17 to 19 | £1428.27 |
20 to 29 | £969.30 |
30 to 39 | £615.97 |
40 to 49 | £498.46 |
50 to 59 | £391.05 |
60+ | £359.76 |
Like all drivers, you can choose between three main cover levels:
The minimum legal requirement to drive on UK roads, third-party insurance covers you for damage to another person, their vehicle or their property
The next step up, third-party, fire and theft policies add cover for your own car if it’s stolen or damaged by fire or an explosion
Fully comprehensive policies include all of the above, as well as a range of other protection for you and your vehicle
You can usually add the following onto your insurance policy, for an extra cost:
If your car breaks down, breakdown cover provides assistance at the roadside to get your vehicle moving again. This may be particularly useful if you have an older vehicle which is more likely to suffer mechanical problems than a new one. You can sometimes get cheaper breakdown cover by combining it with your car insurance.
Motor legal protection will cover any legal fees you might face in relation to a road accident. As legal fees can mount up, it can give you peace of mind to have these covered. Motor legal protection is often included in comprehensive car insurance policies.
Personal belongings cover offers protection for your belongings in the event your car is stolen. Some comprehensive car insurance policies may include this or it may be covered under your home insurance.
Personal accident cover pays out a lump sum if you’re injured or killed in a road accident. It offers peace of mind, particularly if you have loved ones who depend on you financially. Most comprehensive car insurance policies will include personal accident cover.
Covers the cost of replacing lost, damaged or stolen keys. If your car has keyless entry it will be more expensive to replace your key fob than if you have a standard car key so this might be a worthwhile add-on to your insurance. Some comprehensive policies may include cover for car keys.
Protects your no-claims discount by letting you make a certain number of claims within a year before it affects your premiums. Building a no-claims discount will reduce your premiums over time and if you’ve had no claims for several years you might want to protect it. But you’ll need to pay extra to do so.
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Mobile app telematics Your driving will be monitored by a smartphone app. There are no curfews and you'll get a discount for good driving on renewal.
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This is for illustrative purposes only. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example.
Learn more about our full methodology here.
Besides your age, insurers consider a range of factors when calculating your premiums, including your job title and the type of car you have. There are ways you can cut costs, such as:
Volunteering a higher excess payment tells insurers you’re unlikely to bother with small or frivolous claims so there’s less risk
Paying your insurance annually works out cheaper overall than monthly payments as you won’t pay interest
The more miles you drive the more likely you are to have a road accident so limiting your time on the road can help keep costs down, especially with pay per mile insurance
Telematics insurance, sometimes known as black box cover, is when insurers use GPS technology to monitor your driving, rewarding good habits with future discounts
Parking your car in a locked garage at night can reduce the risk of theft
If you can go for a year or longer without making a claim, you’ll accrue a no-claims bonus
Even though your premiums may drop when you reach 25, you’re still likely to be paying more than older, lower risk drivers. So it’s a good idea to review the level of cover you have and make sure you’re not paying for extras you don’t need. Comparing quotes could also save you money because different providers may assess your risk differently.
Sarah Tooze Car & Van Insurance Expert
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Finding cheap car insurance is quick and easy when you compare quotes with MoneySuperMarket. Just tell us a little bit about yourself, your car and the cover you need, and we’ll search the market for policies that meet your needs.
You’ll be able to compare quotes by the overall annual and monthly cost, the cover you’ll get, and the amount you’ll need to pay to make a claim (the voluntary excess). It’s a good idea to review these carefully to make sure the excess is affordable and you have the right level of cover.
Once you find the deal you want, just click through to the provider to finalise your purchase.
We recommend regularly using comparison tools to check your car insurance remains competitive, and not just checking when you receive your renewal notification from your insurer.
Statistically, drivers aged 25 and over are less likely to be involved in a car accident than those aged 17-24. That, combined with having more experience on the road and potentially a no-claims discount for a number of years, can significantly lower car insurance premiums.
However, car insurance premiums depend on lots of other personal factors such as: your postcode, and your profession. If you’ve had a serious driving conviction or made a number of claims this is likely to outweigh any aged-related reduction in your premium at 25.
Yes, when you compare car insurance with MoneySuperMarket, you’ll be able to choose how you’d like to pay for cover – you can pay it all in one lump sum for the year, or you can pay in 12 monthly instalments to spread the cost.
This may be an easier way to handle the financial burden, but keep in mind it will cost more overall – insurers will essentially charge interest as you’ll be covered without having paid the full cost of the policy.
Our data shows that paying for your car insurance annually is up to 31% cheaper than paying monthly, and can save you up to £267.
So it’s worth planning ahead for annual payments, if possible, to avoid unnecessary interest charges.
Being able to drive other cars (DOC) depends on your insurance policy so check your policy documents or speak to your insurer.
If you don’t have DOC cover, you can ask your insurer if they can offer it as an add-on to your policy. Alternatively, you could become a named driver on another policy.
Black box car insurance, also known as telematics insurance, can make your car insurance cheaper if you are a careful driver. However, if the data shows bad driving habits or if you do lots of nighttime driving that make you at greater risk of an accident, your insurance could go up.
So, before choosing a black box car insurance policy you need to assess your driving habits to make sure it’s right for you.
Find out more in our guide 'How does black box car insurance work?'
Yes, adding an older, more experienced driver to your insurance policy can reduce your premium. This is because insurance providers see it as a reduced risk that you will be involved in an accident and try to claim on your car insurance policy.
While adding drivers to your policy is a legitimate way to try and bring down the cost, you'll want to avoid fronting. This is a type of fraud where you falsely declare someone else as the main driver.
It’s important to update your insurer if the way you use your car changes so your insurance remains valid and they can adjust your premium, if necessary.
You can find out more about the technicalities of adding other drivers to your policy in our named driver car insurance guide.
Your insurer may allow your son or daughter to drive your car if they don’t live with you. However, they will need to be added as a named driver on your insurance or have cover for driving other cars on their own insurance.
You should check your policy wording or speak to your insurer to make sure you have the right cover in place before your son or daughter drives your car.
Young driver car insurance gets cheaper, on average, once you are in your 20s, provided you have built up a no-claims discount and you have a clean driving licence. If you have a history of claims or any serious driving convictions then your premiums may remain high well beyond the age of 25.
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Reviewed on 30 Mar 2026 by
Average claims value for MoneySuperMarket customers who claimed on their business insurance in the last 12 months. Data provided by SimplyBusiness.
According to Simply Business data, 10% of customers paid £5.72 or less monthly for a public liability insurance policy. Figure based on annual quotes purchased between 1st Dec 2025 - 28th Feb 2026. The price is for up to £2 million of public liability insurance and excludes the extra costs for paying monthly
Accurate as of 27 March 2026.
51% of consumers could save up to £513.25 Consumer Intelligence , Jan 2026 Exc NI, CI, IOM
