25 Year Olds

Compare car insurance for 25 year olds

You could have eight years' driving experience by the time you turn 25, which is why you tend to see your insurance costs begin to fall.
You might also have built up a few years' worth of No Claims Discount (NCD) by the time you reach a quarter Century, which will also earn you lower premiums than younger drivers on the road.
It's an age where you start making some big decisions about your future. You might want to save for a wedding or a deposit on a house, so it's important to make sure you're making your money go as far as possible.
One way to do this is to make sure you get the best possible price on car insurance for 25 year olds.
This has traditionally been more important for young men who were burdened with higher premiums than their female counterparts, but things have changed. Forthcoming new legislation from Europe means the gap between men and women's premiums will close as insurers are no longer able to discriminate on gender.

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Why insurance gets cheaper as you age

Teenagers are burdened with most expensive insurance, whereas drivers aged 40 and over get the cheapest cover - but why is that?
It's because your insurance premiums are based on how much risk you pose of being involved in an accident, or having your vehicle stolen or damaged, and then making a claim on your car insurance.
The more likely you are to make a claim, the more you will be charged for car insurance to offset that risk.
In the latest Motor Monitor on car insurance, which tracks car insurance trends, we saw once again that, while they may have plenty of driving experience, 25 year olds are still among those hit hardest by car insurance costs.
Very generally speaking, older drivers tend to have more experience behind the wheel than younger drivers. Statistics show that older drivers are involved in fewer accidents than those in their twenties. Drivers in their twenties are also statistically less likely to be involved in accidents than teenagers.
Insurers use statistics relating to your age, gender, vehicle and area in which you live and drive to estimate just how much risk you pose, and to charge you accordingly. The lower a risk you pose, the cheaper your insurance should be. This is why car insurance for 25 year olds tends to be significantly cheaper than for teenage motorists.

The gender divide closes

Though you'll get a better deal than teenage drivers, car insurance for 25 year olds is by no means cheap.
Women used to be able to take solace in the fact that they would get cheaper premiums than men because they were better drivers, statistically speaking.
Those days are now over, thanks to legislation from Europe which, as of December 2012, says insurers can no longer charge someone more or less for their cover based on their sex.
As a result of the European Court of Justice's gender ruling, we're seeing men's premiums come down slightly while women's premiums rise to meet them, despite the fact they're still statistically less likely to make a claim.
This makes it more important than ever for women - whatever age they are - to shop around for their cover.

New car insurance rules

As well as gender-based changes to car insurance, there are also some new rules regarding vehicles you own but don't use.
Continuous Insurance Enforcement legislation was introduced in 2011, making it a legal requirement to insure any vehicle you own unless it is declared as off the road with a Statutory Off Road Notice (SORN).
So even if you have a vehicle you use very rarely and don't want to declare it as off the road, you'll still need to buy insurance cover for it. Failing to do so will earn you a warning and even a fixed penalty notice of £100 if you ignore the warning.
Worse yet, continue to ignore the rules and your vehicle can be clamped, seized and disposed of. You can even face court prosecution with a maximum fine of £1,000.

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