Why Is Car Insurance More Expensive for Young Drivers?

Insurance premiums are based on risk — and statistically, younger and newly qualified drivers are more likely to be involved in accidents. This means insurers tend to charge higher premiums for drivers under 25 or those who have recently passed their test.

However, this doesn’t mean you can’t get a good deal. By working with an experienced insurance broker like Power Insurances, you can access a wider range of insurers and policy options that aren’t always available directly online.

How Power Insurances Helps Young Drivers

We’ve been helping new drivers across Limerick and Ireland get insured for decades. Here’s how we make the process easier:

  • Specialised young driver policies – designed for those just starting out
  • Access to multiple insurers – ensuring you get the best available rate
  • Flexible cover options – add-ons for named drivers, learners, or first-time car owners
  • Local support you can trust – our team is based in Limerick and always available to help with advice or queries

Whether you’re a learner, newly licensed, or getting behind the wheel of your first car, we’ll guide you every step of the way.

Tips to Help Reduce Your Premium

While premiums for new drivers can be higher, there are a few ways to help keep costs manageable:

  • Add a named experienced driver (such as a parent) to your policy
  • Choose a modest, lower-powered car that’s cheaper to insure
  • Build up a no-claims bonus by driving safely and avoiding claims
  • Consider black box or telematics insurance to prove responsible driving

What You Need to Do

If you’re a young driver looking to get insured, here’s how to get started:

  1. Have your driving licence and vehicle details ready
  2. Contact Power Insurances for a personalised quote
  3. Let us compare policies and handle the paperwork
  4. Get on the road with confidence — and the right cover behind you

Getting insured for the first time doesn’t have to be stressful. With Power Insurances, you’ll have expert support from a team that understands the unique challenges young drivers face.

Get in touch with us today to find out how we can help you start your driving journey the right way.