The Problem With Being A Young Driver

There is nothing more exciting than the prospect of being able to drive a car; the independence and responsibility it brings can be the biggest appeal to new drivers. With excitement, often comes disappointment. After completing hours of driving lessons, passing the necessary tests and finally finding the perfect first car comes the crashing blow of the car insurance quote.

Young drivers, those aged between 17 and 25, seem to be penalized because of their age and have to contend with high insurance costs. Although, telematics car insurance can make it cheaper. Young drivers are considered to be a much higher risk than those in their mid twenties regardless of the length of time they have held a license. Professionals who work for successful businesses may be offered a company car. For young people, this is less common but it will erase some of the pressure of making arrangements yourself. Often, businesses add vehicles to their fleet using car leasing companies.

It is almost impossible to keep the costs down for first time young drivers, and there are some important facts that all first time drivers need to know which explains why premium costs are astronomical…

• 10% of all young drivers are involved in a serious or fatal crash, and this causes the premium costs to soar for all drivers under the age of 25.

• Boys under the age of 21 are 10 times more likely than any other driver to have a car accident. This makes it even more essential to purchase a dash cam from

• Insurance companies see young drivers as a high risk and will then be more likely to have to pay out to cover accident damage, whether it is vehicle repair or replacement.

• Insurance companies purposely quote high policy costs to deter young drivers from insuring with them.

• Young drivers that are listed on another driver’s policy cannot be considered a named driver; they are in fact just an additional driver. Insurers are able to void policies if this misinformation is made.

• Young drivers are often quick to show off and buckle under peer pressure which results in the serious nature of the accidents which then occur.

• The average quote provided by insurance companies for drivers aged 17-22 is $4,225.

• Premium costs go up by a staggering 58% when young drivers apply for a car insurance quote.

Although it is difficult, it is possible to reduce the insurance cost for new and young drivers, although the reduction will only be very slight.

• Pass plus is an additional driving qualification taken after the driving test has been passed. It costs to take, but you will see your insurance drop by a few percent.
• Instead of purchasing a heavily modified, fast vehicle for the first car, an older, smaller model will encourage insurers to quote a sensible price, and once the insurance has dropped to an affordable price, a dream car is more affordable.

• As much as young drivers want to drive as much as humanly possible after passing, having a mileage restriction on the insurance policy will keep costs down both with insurance and gas!

• Most importantly, driving safely and legally will ensure the cost of insurance will drop as the insurer sees that you are a lower risk.

Gaining multiple auto insurance quotes will enable you to achieve the best possible with the best coverage possible.

About Heather Jones

I'm just a wife and mom of two boys trying to find her place in this world. I enjoy walks around the lake, bible journaling, and RV camping with my family.

Heartfully Heather


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Heather Jones

I'm just a wife and mom of two boys trying to find her place in this world. I enjoy walks around the lake, bible journaling, and RV camping with my family.

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