Does Car Insurance Go Down At 21?

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Does Car Insurance Go Down At 21?

Does Car Insurance Go Down At 21

Some people believe there’s a certain ‘magic age’ that will bring their car insurance premiums down substantially. This post is here to answer the question: does your car insurance go down once you hit 21? Read on to find out…

Does Car Insurance Go Down At 21?

Age is a factor in how much you are charged for your premiums, as people at certain ages are deemed more of a risk. Your age will be used to predict how likely it will be that you’ll make a claim.

People under the age of 25 are statistically more likely to have an accident, but even so, each company handles age and insurance prices differently. There’s no rule that says car insurance will decrease substantially once you hit age 21, or even once you hit age 25.

You shouldn’t automatically expect your premiums to decrease once you hit a certain age. If you’ve been driving for a few years and building up your no claims bonus, then your premiums should decrease regardless. They may reduce by a small amount each year when you are due to renew.

Depending on the carrier, you may be offered a pricing break at 21, 23, or 30. However, there are lots of other ways to get discounts on your policy, such as taking out insurance for something else with the same supplier.

How Can You Get The Cheapest Car Insurance Premiums?

Shop Around

Don’t go with the first provider you see. Shop around and compare different premiums and what is included to make sure you get the best value.


Don’t be afraid to haggle if you find a better price elsewhere, or even if you’d just like to see if you can get a better deal.

Avoid Having Other People On The Policy

Usually, having other people on your insurance policy will make it more expensive. However, there may be exceptions, such as adding somebody with more driving experience.

Try To Pay The Whole Thing Off At Once

Paying your premiums off monthly can mean paying hundreds more overall. Try paying the whole thing off at once, if possible. You could take out a 0% interest credit card to pay off your insurance.

Sign Up For Black Box Technology

Signing up to use Black Box technology to monitor how you drive could cut your insurance premium by hundreds – providing you’re a safe driver.

Protect Your No Claims Bonus

Don’t forget to protect your no claims bonus, as getting into an accident, even one that is not your fault could mean having to start all over again.

Do Fewer Miles

Try to stay as economical as you can with how much you drive.

Increase Your Voluntary Excess

Offer to pay more for your car if something does go wrong – but ensure you will be able to afford it.

Secure Your Car

Secure your car with quality alarm systems and other safety gear. This can take 5% off your premiums. Some cars come with them as standard, so make sure you check and declare them.

Watch Out For ‘Insurance Trap’ Cars

Some cars are way more expensive to insure than others, so make this decision wisely.

Olie Smith
Olie Smith
Olie Smith is a DSA Fully Approved Driving instructor with years of professional experience in driver training. Oliver set up Totally Driving to give a more bespoke, personal feel to driving lessons.

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