Is car insurance just expensive for anyone remarkably young?

Didnt own/want a car till I was 27, bought an EP3 Civic Type R new, £1300 first years insurance.

Now old and 340i is £450 for myself and the wife. :p
 
Youngsters really get shafted with insurance prices these days. My nextdoor neighbours daughter passed her test at 19 and her insurance was over £2.5k for a 11 plate Fiesta. When I passed my test back in the mid 80's I had a MK4 Ford Cortina (Mondeo would be the equivalent now) and I paid £180 for my first years insurance. Being a old git now I paid £142 minus £30 cashback fully comp for my past years insurance. Trying to get below £100 after cashback when I do the next year in October.
 
We pay just over £800 for a bmw 335. I have 3yrs no claim, and if it was just me alone i would guess it would be around half that, however my wife is on the insurance and is a new driver.
 
Dav4 said:
Mine will never drop much because I live a bad city up North. 7 years no claims, no points or fines etc and I’m paying around £750 again. Year before around £850 year before that £900. These are on a Focus ST225 and now a Mondeo ST220. Yes i shop around every year and could get it slightly cheaper with a rubbish company but I like to be with a reputable company.
I’m due for renewal in March when i will hopefully hit the magic 8yrs which is supposed to offer a great discount some say up to 75% but I’m not holding my breath
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Is that 8 years no claims, or 8 years driving? I guess that's not far off for me, passed early 2013
 
pastymuncher said:
Youngsters really get shafted with insurance prices these days
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So they should! the standard of many youngsters driving is truly shocking. There’s a big rise in driving academy’s that offer quick courses that put you in for your test in a very short space of time without gaining proper road knowledge and experience.
Lost count of how many young girls I’ve seen on there phones, taking selfies, texting, looking down at there phone while riding an inch from my bumper, putting make up on in the mirror etc. And young lads often drive way too fast showing off with there mates. Cars are way to accessible now with cheap finance and leases with low monthly payments anyone can get into a quick car nowadays with no driving experience.
Most youngsters often put parents on though so they don’t actually end up paying that much really.
 
Think the cost now too is a lot of young people jist financed up pretty easily with expensive cars then just write them off.

Quite a few keyless entry cars too get nicked
 
Dav4 said:
Most youngsters often put parents on though so they don’t actually end up paying that much really.
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It doesn't make that much of a difference or it didn't in my case, I assume they have become wise to this sort of thing.

First year it saved me £100 but second year they actually wanted £175 more with my dad who has the maximum no claims bonus which I found bizarre.

23 as a new driver £900 on a 1.4 in a whats considered to be "high risk post code" and now onto the start of my 2nd year with 1 years no claims discount I managed to get it for £600 which I was really pleased with especially knowing what some people around my age pay!

Interesting though, it was only last night I got a quote for my current car and also a quote for a Golf with more than double the power of mine and the golf was only £50 more expensive to insure :confused: about 16 insurance groups higher!!

I gave up on lessons at 17 as I was put off by £3000+ insurance quotes.
 
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I'm a bit miffed if I pay more than £300 nowadays. But then again I'd happily swap my low insurance for being young again :(
 
Gilbert89 said:
It doesn't make that much of a difference or it didn't in my case, I assume they have become wise to this sort of thing.

First year it saved me £100 but second year they actually wanted £175 more with my dad who has the maximum no claims bonus which I found bizarre.

23 as a new driver £900 on a 1.4 in a whats considered to be "high risk post code" and now onto the start of my 2nd year with 1 years no claims discount I managed to get it for £600 which I was really pleased with especially knowing what some people around my age pay!

Interesting though, it was only last night I got a quote for my current car and also a quote for a Golf with more than double the power of mine and the golf was only £50 more expensive to insure :confused: about 16 insurance groups higher!!
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You’ve got a fairly good deal there then that’s quite cheap what your paying. I was around the same age as you when I got my first car and it was around 1.6k I think for a 1.6 Focus. If I hadn’t of added my dad as a named driver it would have been 2k and this is 7 years ago.
Yeh in regards to more powerful cars sometimes not being much more it’s surprising i just don’t get how they work there statistics.
 
My girlfriend got a mini cooper 1.6 three days after passing her test. Her insurance was £540 for the year for fully comp with £250 excess. she's 29.
 
£850 odd for my Mini Cooper S at the moment at 28 years old, driving for 11 years and 6 years no claims.

Get shafted because of my postcode. My parents live about 20 miles away and my insurance would be about £450 if I lived there.
 
Gosh I'm nearly 40 ( less than a month to go ) and just applied for my provisional license. We already own a Nissan Almera as the Mrs can drive. I was hoping to be second named driver and keep the insurance under a grand, total ( she pays about 3 to 400 ish fully comp ). Be interesting to see ( assuming I pass the test ) what quotes will be like.
 
sanaxe1 said:
My girlfriend got a mini cooper 1.6 three days after passing her test. Her insurance was £540 for the year for fully comp with £250 excess. she's 29.
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Believe it's different now, but ~14 years ago I had the same car as a girl I was seeing, lived a in a nicer area for insurance (lah de dah) etc.
Her insurance: £700
Mine: £1,600

on a 1.1 Cinquecento that was! So really no surprise from my end when I see kids moaning that their first car Fiesta ST is £3k to insure etc

Obviously a little different in your other halfs case mind, but as other posters have said, make that a convertible and the price would go up a fair whack, make it an 'S' and the price would go up etc

Personally I now pay £400 odd to insure my Noble :D think the insurance on my Focus ST is more infact...
 
Lartyconshayo said:
Gosh I'm nearly 40 ( less than a month to go ) and just applied for my provisional license. We already own a Nissan Almera as the Mrs can drive. I was hoping to be second named driver and keep the insurance under a grand, total ( she pays about 3 to 400 ish fully comp ). Be interesting to see ( assuming I pass the test ) what quotes will be like.
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My brother in law is 40 and has his test later this month. His quotes on an old Mazda 3 were quite reasonable. Around a grand.

I also think now they can't quote on gender even though statically men are more likely to have accidents in their early years.
 
My bike insurance is £92 FC with all the trimmings.
For the same thing when I got my first car a few years back, they wanted close on £4,000. I pointed out that I had decades of insured riding on large, fast motorcycles and they happily took this into account. Revised price £350-odd.
It was purely New Driver pricing, nothing to do with age.
 
Insurance is very random. I am 19 years old and drive a 220bhp focus ST insured with admiral (yes I know they're crap :P ) for £950 with mirror'd NCB onto my grandads fiesta as well so I can drive both cars.
 
I avoided high insurance costs.

When I passed I was put on my wife's insurance. She was under 1k due to being a woman...
Only added £200 to add me.

Now days it costs me £450 for mine and £30 to add her. Her car is an additional £150 with both of us as driver's.

We both have 10+ years no claims though.
 
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