There is A Good Reason Why Under 25s Pay a Fortune For Car Insurance

And that reason is crash data. Even if nobody is hurt the costs of sorting out a claim can be huge, running into the thousands, which is why premium rates are so high. Whilst the mainstream media continues to campaign against the over 70s driving, trying to help the government force them off the road, the reality is that younger drivers tend to be the more dangerous ones. Plus the under 25s are involved in higher speed collisions, or are far more likely to drive with no insurance, fake, or incorrect insurance – so called fronting on an older relative’s policy for example. This means the younger demographic are linked to higher risks of injuries and deaths and more expensive claims.

Here’s some research from Go Shorty;

UK Parliament research has revealed that young individuals are involved in a shockingly high number of crashes annually. According to Brake, the road safety campaign group, this is largely due to inexperience and a greater tendency towards risky behaviours, such as speeding, overtaking, and distractions like mobile phones.

Only half of the age group pass their driving test on the first attempt, and 1 in 5 crash within their first year. Alarmingly, an additional 1,500+ young drivers are killed or seriously injured on UK roads each year, making road traffic collisions the leading cause of death among this age group globally.

International research conducted by GoShorty, an award-winning temporary insurance provider, has also revealed that in nearly every region surveyed, drivers under 25 are involved in significantly more collisions than those over 70. Police data collected from 12 UK constabularies highlighted the top five areas with the highest number of road accidents involving both age groups.

The data clearly shows that younger drivers are consistently involved in more road accidents than their older counterparts, particularly in the same high-risk regions. The top five areas remain largely unchanged across age groups, signalling a persistent safety
concern.

While recent media attention has focused on whether elderly drivers should face stricter rules, the reality is more balanced. Over-70s already renew their licences every three years, compared to every decade for most drivers, to help monitor age-related issues like declining eyesight or mobility. Although around a quarter of car driver fatalities last year were over 70, experts note that fatality rates are comparable across age groups, and most older drivers remain safe on the road.

In contrast, FOI data shows under-25s are consistently involved in far more collisions –

Devon and Cornwall alone recorded 1,833 accidents involving younger drivers, compared to 1,539 involving over-70s. Warwickshire (1,050), Humberside (877), and South Yorkshire (698) also ranked highly for incidents involving under-25s. While older drivers continue to face scrutiny, the greater statistical risk lies with younger, less experienced motorists.