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Young drivers unfortunately are prone to encounter significant difficulties in the auto insurance marketplace. When your auto insurance costs are being calculated, your age is one of the most significant factors that is brought into consideration. Younger drivers can often be penalised for their age alone, regardless of their claims history or driving expertise. The fact that a young, inexperienced driver generally isn’t entitled to a no-claims bonus does not help their cause either. This results in younger drivers usually paying hefty insurance premiums.

Charges

Most auto insurance providers will charge young or otherwise inexperienced drivers considerably higher premiums because they statistically fall into a higher risk category, and as such are more statistically more likely to make a claim on their insurance throughout the duration of their policy.

Research

Research shows that young drivers can be up to 2 seconds slower to recognise potential road hazards than older, more experienced motorists. This means that a typical male driver aged between 17 and 20 years is 9 times more likely to be at fault for an accident than someone aged between 31 and 40 years, who has a comparable amount of driving experience. A typical 17 year old male driver is also 7 times more likely to be involved in an accident than a middle-aged man for every mile driven. As well as this, young drivers in this age group are up to 3 times as likely to be in an active as opposed to passive accident. All of these statistics conspire to produce high auto insurance costs for young drivers, particularly young male drivers.

Companies

There are auto insurance companies that provide insurance solely for young drivers. This is because of the huge profits that can be made due to the high premiums that are charged. Insurance companies are for the most part justified in charging higher premiums for younger drivers because of the unflattering statistics exhibited by younger motorists. The fact that young drivers are generally not entitled to a no-claims bonus also pushes up the price of premiums.

Although high insurance costs for young drivers is generally viewed as a necessary evil, we can help your cause by allowing you to browse through a broad range of quotes from the best auto insurance providers, which helps you to “shop around” for the best deal.