How much does young driver insurance cost and how can you pay less?
It is difficult for young drivers to find good auto insurance without paying high premium amounts. Indeed, this type of driver is often badly perceived by insurers who do not consider them sufficiently experienced at the wheel. What is the cost of auto insurance for a young driver? How to pay less? Here is a complete guide to help you see things more clearly.
Summary
Young driver: definition
How much does car insurance cost for young drivers?
Auto insurance: how to pay less as a young driver?
Auto and young driver insurance: the need to choose the right car for the first time
How to insure your child as a young driver?
How to differentiate young driver and young license?
Young driver: definition
A motorist is considered a young driver when he has held a driving license for less than 3 years. Note that there is no precise definition of the concept of young driver in the Highway Code or in the Insurance Code. It is the insurers who define it themselves.
In addition to having had a driving license for less than 3 years, a young driver is usually someone who has never been insured or whose license has been canceled.
The goal for insurers, with this young driver status, is to judge the level of experience and therefore the level of risk of a motorist.
How much does car insurance cost for young drivers?
Before knowing how much auto insurance costs for young drivers, it is necessary to understand and analyze the pricing criteria of insurers. There are several:
The status of the motorist: young driver, disqualified, terminated, etc;
Driving habits: use of the vehicle (daily commute to work, private trip, etc.);
The parking method: does the driver have a closed garage, a collective car park or does he park on the public highway?
The distance traveled each year: A driver traveling 6,000 km per year does not present the same level of risk as a driver traveling 30,000 km each year.
The tariff set up by auto insurers can therefore vary greatly. To give you an idea, here is a comparison of the average prices offered for a young driver and for a "classic" driver who owns the same vehicle and both have never had a claim:
Insurers Young driver "Classic" driver Quote
Direct Assurance 88.7 euros / month 31.5 euros / month Online
L'Olivier Auto Insurance 95.5 euros / month 40.3 euros / month Online
Allianz 101.6 euros / month 54.3 euros / month Online
Auto insurance: how to pay less as a young driver?
Are you a young driver and want to take out auto insurance that meets your needs without breaking the bank? To do this, it is recommended to follow certain steps:
Choose a personalized contract: you have the possibility of subscribing to optional guarantees personalized to your driving. This will allow you to find an auto insurance totally adapted to your profile and your needs and thus to control your budget;
Play the competition: the competition between auto insurers will give you the opportunity to save money. Using an insurance comparator, for example, will give you a detailed list of offers tailored to your situation. This tool, completely free, in addition to the savings made, will save you a considerable amount of time in your search for the best car insurance for young drivers. Also, know that you can use an auto insurance broker. It is an independent service provider whose main mission is to act as intermediary between you and the insurers.
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