See all Motoring AdviceGetting car insurance as a young driver in Ireland can feel like a costly and confusing task, but it doesn’t have to be. With the right approach and a few savvy strategies, you can find affordable cover that suits your needs without compromising on quality.
Affordable Car Insurance for Young Drivers: 2025 Money-Saving Tips
Whether you’ve just passed your driving test or are still learning the ropes, insurance premiums for young drivers tend to be higher. But there are plenty of practical ways to reduce your costs while staying safe and protected on the road.
Key Factors That Impact Young Driver Car Insurance Costs
Insurers calculate premiums based on the perceived risk of the driver. Young drivers, especially those under 25 are statistically more likely to be involved in accidents, which often results in higher quotes. Here are some of the factors that influence pricing:
• Driving experience – full licence vs. learner permit
• Driver’s age
• Car make, model, and age
• Engine size
• Where the vehicle is kept (e.g. on a driveway, in a garage, or on the road)
Smart Ways to Lower Your Car Insurance Premium in 2025
1. Know What Type of Cover You Need
Do you need fully comprehensive cover, or would third-party fire and theft be more suitable?
If your car is older or used primarily for short trips, a basic policy could be enough. On the other hand, if you’ve invested in a newer or higher-value car, comprehensive insurance may be the safer choice.
2. Choose the Right Vehicle
The car you drive has a huge impact on your premium. Typically luxury cars with powerful engines are more expensive to insure. To keep your premium low, opt for:
• Cars with small engines
• Good safety ratings
• Lower repair and replacement costs
3. Increase Your Voluntary Excess
Raising your voluntary excess. The amount you agree to pay upfront in the event of a claim can reduce your premium. Just make sure the excess is an amount you can afford if you do need to make a claim.
4. Add an Experienced Named Driver
Including an experienced driver on your policy can sometimes lower your premium. Insurers often see a lower risk when more experienced drivers are listed on the policy.
Note: Be careful not to “front”. This is where someone falsely claims to be the main driver. This is illegal and can invalidate your cover.
5. Gain Experience as a Named Driver
If you’re not quite ready for your own policy, consider being added as a named driver on a parent’s insurance. It can help you build experience and potentially secure better rates when you do take out your own insurance.
6. Pay Your Premium Annually
Paying your insurance in one go, rather than monthly installments, can work out cheaper. Insurers often add interest and administrative fees to monthly payment plans.
7. Take an Advanced Driving Course
Going beyond the basic EDT lessons can pay off. Advanced driving courses that focus on defensive driving can not only improve your skills behind the wheel, but may also help bring down your insurance costs with certain providers.
KennCo Insurance understand that young drivers want reliable cover without breaking the bank. Whether you’re looking for a new policy or renewing your current one, they can help you find a solution that fits.