Cheap young driver insurance comparator, le comparateur d

Young drivers are not the best car insurance issue. Indeed, they are generally penalized by an additional premium. They therefore pay more for their insurance than others. But how to take out cheap insurance when you are a young driver? We advise you through this guide.

How much does young driver car insurance cost?

According to data from Assurland, 18-25 year olds pay an average of 1,021 euros per year for their car insurance*. Note that young drivers pay an average of 611 euros per year. for their insurance is 67% more than the average for all drivers.

Average rates for young driver insurance by age group

Age Average annual rate
18-25 €1,021
26-35 648 €
36-45 518 €
46-55 476 €
56-65 425 €
66-75 400 €
76 and over 440 €
Average premium 611 €

*Methodology: this study is based on 413,000 car insurance rates made in 2020, for drivers aged 18 and over who made an insurance comparison on

Ranking of the cheapest young driver car brands to insure

car brand Annual insurance rate
Dacia 451 €
Mitsubishi 498 €
Suzuki 523 €
Honda 531 €
Toyota 531 €
Skoda 538 €
Kia 549 €
Citroen 551 €
Mazda 552 €
hyundai 552 €

*Methodology: this study is based on 413,000 car insurance rates made in 2020, for drivers aged 18 and over who made an insurance comparison on

How to pay less for your new driver insurance?

There are several tips for paying less for car insurance as a young driver:

Follow accompanied driving

Taking accompanied driving or “early training” is a good way to reduce the amount of your car insurance premium. Young drivers who have taken accompanied driving are less penalised: their additional premium is halved compared to young drivers who have not taken this training.

Opt for a used car

The less valuable a vehicle is, the cheaper it will be to insure it. Thus, opting for a used car is a good solution for a young driver to lower the amount of his premium. City cars are particularly recommended because in addition to being the least expensive on the market, they are not very powerful. The risk of accident is lower, so insurance companies insure them at a lower price.

Take out third-party insurance

Third-party insurance is the cheapest option on the market. It only includes civil liability cover, which covers you for physical and material damage caused to a third party in the event of a claim. Opting for third-party insurance will reduce the amount of the bill.

For better coverage, intermediate insurance, which generally includes glass breakage, theft and fire guarantees, can be a good solution. Finally, there is all-risk insurance, which offers the best coverage. But for a young driver, its price can be prohibitive, especially if it is a question of insuring his first car and that the latter is inexpensive.

“Pay how you drive” insurance

“Pay how you drive” insurance aims to reward virtuous drivers. For a careful young driver, this formula can make it possible to pay less.

Insure yourself as a secondary driver

If possible, it may be beneficial to list yourself as a secondary driver on your parent’s auto insurance policy, rather than purchasing insurance in your name as a secondary driver. This will allow you to benefit from their guarantees at a lower cost. In addition, when you take out insurance in your name, the time you were insured as a secondary driver will be taken into account.

Increase the deductible

The deductible is the amount you must pay out of pocket in the event of a claim. The higher the amount, the lower the price of the insurance. Be careful, however, in the event of a claim, because the price to be paid can be significant.

Compare young driver car insurance

By comparing young driver car insurance, you can get an overview of the offers on the market in just a few minutes. By providing some information about your vehicle and your profile, you will have access to a list of auto insurance quotes. You can then select the one that suits you best and at the price that suits you.

Buy car insurance online

By subscribing to car insurance online, you can benefit from very attractive promotional offers: one month’s subscription offered, no administration fees, a reduction during the first year of subscription. Watch for offers on the Internet and subscribe when you see a good deal!

Young driver, young driver, novice driver: what is the difference for insurance?

A young driver must respect a few rules: lower speed limits and put the A on the back of his car. But we must not confuse young license and young driver with regard to insurance. For insurance companies, the concept of young driver means:

  • a person who has had a driving license for less than 3 years;
  • a person who has never been insured, even if he has had his license for several years;
  • a person who has not been insured for two years or more;
  • a person whose driver’s license has been revoked.

How is the price of car insurance determined?

The price of car insurance depends on several factors:

As explained, the more valuable a vehicle is, the more expensive it will be to insure it. Opting for a cheap vehicle can therefore allow you to take out cheaper young driver car insurance.

The driver’s profile is also decisive: driving experience, place of residence, vehicle parking or driving habits (private use, journey to work, etc.).

The more risk it represents for the insurer, the higher the premium will be. It is therefore better to park your car in a closed garage or parking lot than on the street, for example.

  • Driving history

When you buy car insurance, your driving history is taken into account. This data is available on your information statement, which you can obtain by telephone, letter or e-mail from your insurer. A driver with no history will pay less than a driver who has already had at-fault claims.

  • The amount of the deductible and the compensation ceilings

Finally, the amount of the deductible is taken into account, as well as the compensation ceilings. A compensation cap is the maximum amount that your insurer can reimburse you in the event of a claim. The lower the ceilings, the lower the price of the insurance will be.

Cheap young driver car insurance FAQ

  • What is the average cost of insurance for a young driver?

    In 2020, car insurance for 18-25 year olds, all formulas combined, was 1,021 euros. This is more than the average for all ages, which was 611 euros.

  • Young drivers are most often advised to take out inexpensive third-party insurance. If he wants better car insurance, he can take out intermediate insurance.

  • Various insurers offer attractive car insurance rates for young drivers: Direct Assurance, L’olivier Assurance, Eurofil, Assu 2000, MAAF…

  • To find cheap and reliable car insurance, you can turn to a car insurance simulator. In a few minutes, you will be able to obtain rates from renowned insurers and select the one that best suits your budget.

  • The cheapest car insurance is third party insurance. It is also the one that will cover you the least.

  • Yes, a young driver can absolutely drive any car, regardless of its horsepower, as long as it is homologated and insured.

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