Turning 25 doesn't automatically guarantee cheaper car insurance, but for many drivers, pricing can become more stable as insurers have more driving history to assess. The biggest differences usually come from your vehicle, mileage, postcode, and claims history, and how each insurer prices those factors.
Reviewed by MySupermarketCompare Editorial Team
This page is for UK drivers aged 25+ who want to:
If you're renewing soon, switching insurer, or changing car, this guide explains the main factors that can move your quote up or down. For drivers with more experience, our cover for drivers over 50 guide provides additional age-specific insights.
Sometimes, but it depends on your overall profile.
Insurers don't price purely on age. They usually consider a mix of risk factors such as:
So while some drivers see a change in pricing after 25, others may not, especially if other risk factors outweigh age.
Even as an experienced driver, pricing can vary widely between providers. Common factors include:
Car insurance group, repair costs, engine size, performance, and any modifications.
Postcode risk level and where the car is parked overnight.
Annual mileage and how you use the car (social, commuting, business).
Claims history (even if not at fault), convictions, and penalty points.
Voluntary excess amounts, policy start date, and renewal timing.
Other drivers on the policy and their profiles can affect pricing.
Comparing quotes helps you see how different insurers price the same details.
Don't rely on one renewal quote
If you're changing car
Be accurate
Only if affordable
Only add genuine drivers
Address, job title, modifications
Choosing cover based only on the monthly price without checking excess and exclusions
Over or underestimating annual mileage
Forgetting to declare modifications
Assuming "age 25" guarantees a price drop
Not shopping around at renewal
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Start a Quote in 2 Minutes →This page was created to help UK drivers aged 25+ understand what can affect car insurance pricing and what to consider when comparing quotes. It is reviewed for clarity and updated as needed to stay accurate and useful.
MySupermarketCompare is an insurance comparison website. We introduce customers to our quote partner to help them compare insurance options. Information on this page is general and is not financial advice. MySupermarketCompare.com is an Introducer Appointed Representative (IAR) of Seopa Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA FRN 313860). The insurance comparison service is provided by Seopa Ltd. Always read policy terms and conditions before purchasing. Individual outcomes and premiums vary based on personal circumstances.
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