Will adding a young or inexperienced driver to my policy affect my premium?

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Adding a young or inexperienced driver to your policy increases the insurance company’s risk. Young drivers, typically under 25, and inexperienced drivers with limited time behind the wheel are statistically more likely to be involved in accidents. This higher risk translates into higher premiums to account for potential claims.

How much will my premium increase?

The exact amount of the premium increase varies based on factors such as the driver’s age, driving history, and the type of coverage you have. On average, expect a noticeable increase, sometimes doubling or more, especially if the new driver is a teenager.

Read our detailed guide to adding teenager to your car insurance policy

Can I take steps to reduce the impact on my premium?

While you can’t eliminate the impact, there are steps to mitigate the increase:

• Good student discounts: If the young driver is a student with excellent grades, you may qualify for a discount. This shows responsibility and can help lower the premium.

• Defensive driving courses: Completing a recognized defensive driving course can sometimes lead to discounts, demonstrating a commitment to safe driving.

• Choose the right car: Some cars are more expensive to insure than others. 

Opting for a safe, practical, and less powerful vehicle might help.

Final thoughts

As the young or inexperienced driver gains more experience and demonstrates responsible driving behavior, the premium should gradually decrease. Typically, premiums start to decrease around the age of 25 when insurance companies consider drivers to be more mature and experienced.