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Car insurance

Why is young driver insurance so expensive?

This is one of the questions we get asked the most at ingenie.

Many people think that it's just about covering the cost if their car is damaged or stolen, but that's just one of the many factors taken into consideration when calculating insurance premiums.

The biggest cost for insurers is the paying out for serious crashes, resulting in expensive personal injury claims and because young drivers have more crashes than older people that means higher risk and more expensive car insurance.

  Click to earn up to 21% off your car insurance with ingenie  

Traditionally this has resulted in all young people being penalised with high premiums across the board, however at ingenie we believe in treating everyone as an individual – giving you the chance to prove that you're a good driver by fitting a black box in your car to act as a co-pilot giving you feedback on your driving.

Prefer to get your info from a video? Here's ingenie founder Richard King explaining why car insurance is so expensive for young drivers




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Jess passed her test first time at 17 and took to the busy London streets in a battered but beloved 1988 white Fiat Uno. She writes for ingenie's Young Driver's Guide and blog. You can follow Jess on .