Third-party only
The minimum legal requirement to drive on UK roads, third-party insurance covers you for damage to another person, their vehicle or their property
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1Accurate as of February 2023.
Fortunately once you get into your mid-twenties your premiums are likely to be far less than they were a few years before. In fact, between November 2022 and February 2023 motorists aged 25 paid on average more than £500 less for their car insurance than what most teenage drivers did.
Age of main driver | Average annual premiums* |
|---|---|
17 to 19 | £1,375 |
20 to 24 | £1,118 |
25 to 29 | £848 |
30 to 39 | £680 |
40 to 49 | £557 |
50 to 64 | £410 |
*Based on annual price of car insurance policies with one driver holding a full UK driving licence. Data collected between November 2022 and February 2023. Accurate as of March 2023
You’ll have the same options as ever when taking out car insurance as a 25-year-old, and those are the main three car insurance policy types:
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
Car insurance premiums are also affected by the make and model of car you’re insuring – and insurers base it on factors like the car’s top speed, power and general performance as well as the cost of parts and repairs.
Car model | Average premium* |
|---|---|
Hyundai I10 SE | £860 |
Fiat 500 S | £894 |
Toyota Aygo Blue | £896 |
Peugeot 107 Urban | £901 |
Citroen C1 VTR | £921 |
Ford KA Zetec | £943 |
Kia Picanto 1 | £975 |
Vauxhall Corsa | £1,009 |
*Based on MoneySuperMarket data on drivers with a full UK license held for a year or less. Makes and Models with at least 1,000 enquiries. Data collected between November 2022 and February 2023
Car insurance policies can come with a range of extra features to enhance your cover – and you might be more tempted to add them as your overall premiums come down in your mid-twenties. They will cost more to add to your policy – but with fully comprehensive car insurance some of them may be included as standard.
Breakdown cover: If you car breaks down while you’re on the road, a breakdown cover policy helps with the cost of roadside rescue and repairs – and can sometimes even include a courtesy car
Motor legal protection: Also known as legal expenses cover, a motor legal protection policy helps pay for legal costs you might face if you’re involved in a road accident
Personal belongings cover: You can protect personal items you leave in your car with a personal belongings policy, including electronics and clothing
Personal accident cover: Personal accident cover offers financial protection for you or your dependants if you’re seriously or fatally injured in a road accident
As you’re no longer really what insurers call a ‘young driver’, you can expect your premiums to drop once you hit 25 years of age. However, insurers consider a range of other factors that you can influence when deciding your premiums, such as:
Volunteering a higher excess payment tells insurers you’re unlikely to bother with small or frivolous claims, as they wouldn’t be worth the cost – the lower claim risk means cheaper cover
Paying your car insurance premium up front every year might mean a greater initial spend, but it often works out cheaper overall than spreading the cost over 12 months
The more you drive, the higher your chances are of being involved in a road accident – so lowering your estimated mileage can help bring costs down
In fact, some policies even offer a pay-per-mile rate – making it easier to pay just for the cover you need
Parking your car in a locked garage at night and having factory-installed alarms and immobilisers reduce the risk of theft, which can help lower your premiums
If you can go for a year or longer without making a claim – by driving safely, and paying for minor expenses yourself – you’ll accrue a no-claims bonus on future car insurance premiums
Our mission is to make finding cheap car insurance easier – and when you take out cover with MoneySuperMarket you can benefit from:
Everyone deserves to save money – in fact, you could save up to £390 by comparing your car insurance with MoneySuperMarket*
Our car monitor gives you reminders on your road tax and MOT, as well as showing your MOT history and car valuation – helping you stay up to date, so you never miss a renewal
Our live chat tool is there so our experts can guide you through the car insurance question set, offering tailored support during business hours to help you get the right policy for the right price
51% of consumers could save up to £391.23. Consumer Intelligence, January 2023. UK Only.
"Car insurance costs are likely to drop at 25, but there are still ways to find cheaper cover. Choosing a sensible car, taking out comprehensive cover, paying your premiums annually, and building up a no-claims discount can all help you save more money on your car insurance policy.
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Finding cheap car insurance is quick and easy when you compare quotes with MoneySuperMarket – and it helps you take advantage of the lower premiums you can get when you turn 25. Just tell us a little bit about yourself, your car and the cover you need, and we’ll search the marked 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. Once you find the deal you want, just click through to the provider to finalise your purchase.
Statistically, drivers aged 25 and over are less likely to be involved in motor accidents than their younger counterparts. While it’s not cut and dry, the overall risk is lower for insurers – keep in mind they consider a range of other factors to determine this overall risk, but age is a significant one.
The overall trend tends to be that the older you are the less you pay for cover – so drivers aged 18 to 21 are likely to see the highest premiums. 17-year-olds learning to drive will probably pay the highest of all on their own policies, but many will be insured on parents’ or guardians’ policies as named drivers as a way to cut costs.
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.
You can be insured to drive other cars at any age, licence permitting, but the cost of adding you as a named driver to another policy is likely to be less once you turn 25.
Black box car insurance can make your car insurance cheaper if you are a careful driver. However, if you have some bad driving habits having a black box installed in your car can also make car insurance more expensive.
Black box car insurance has a number pros and cons to consider before you jump into buying a policy. Find out more in our guide 'How does black box car insurance work?'
It can make your insurance cheaper by adding an older, more experienced driver to your insurance policy. 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.
You can find out more about the technicalities of adding other drivers to your policy in our named driver car insurance guide.
You work hard to earn your money, and we don’t think you should waste a penny of it paying over the odds on your household bills. That’s why at MoneySuperMarket, we’re on a mission to save Britain money.
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