Car insurance for new drivers over 25

While 25-year-old drivers do pay more than the national average, their premiums decrease by $170 per year just by virtue of turning 25 and no longer being designated as a " young driver ." The average car insurance rate for a 25-year-old driver is $1,653 per year — about $138 per month or $827 for a standard six-month policy.

This is why insurers generally lower the cost of cover when you turn 25, as you’ll be less likely to make a claim. You might’ve built up a no-claims discount : No-claims discounts are when insurers lower the cost of your policy if you haven’t made a previous claim on your policy – the longer you’ve gone without claiming the better.

Being an older driver over the age of 25, coupled with having low annual mileage can be an advantage for car insurance. That’s why it could pay to keep your mileage down. For example, you could take turns to car share with a friend or colleague so each of you reduces your overall mileage. Are there other ways to reduce car insurance for over 25s?