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Young drivers

Young drivers usually pay much more for motor insurance than older, more experienced motorists. This is because drivers between the ages of 17 and 24 are much more likely to be involved in an accident and make a claim, so their premiums are higher as a result.

Young drivers account for just 12% of licence holders, but they are involved in 25% of all road deaths and serious accidents. One in five young drivers will be involved in a crash within six months of passing their driving test. Carrying passengers increases young drivers’ changes of being involved in a collision, with just three passengers almost tripling the chances of a crash.

The price of motor insurance premiums for young drivers is higher as they are more likely to crash, leading to very expensive claims for personal injury compensation.

The only way to bring down the cost of motor insurance for young drivers is to make them better, safer drivers. Last year, the ABI launched its Campaign for Safe Young Drivers. We are calling for changes to the way young people learn to drive, proposing measures such as a minimum one-year learning period and restrictions on night-time driving.

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