First Time Drivers Insurance – How Much Does it Cost?

Caeva O'Callaghan | October 11th, 2023

When you start driving, car insurance is often the very first thing you need to sort out. But how much can you expect to pay?

There’s no way to tell, without contacting a broker, how much your insurance will be. So give us a call today to find out. There’s no obligation to buy, and we’ll help you find the cover you need.

In this article, we’ll be covering the following topics:

In reality, the answer is “how long is a piece of string”. There are just too many factors to guess. Insurance for a first-time driver could be anything from €600 to €10,000. It’s unlikely to be the latter of course, so read on to find out what affects this total.

Your personal details

First of all, your age affects your car insurance premium. When you enter your personal information to get a quote on your car insurance, any insurance provider will ask how old you are. This is not only for marketing purposes: age is actually one of the primary rating factors for car insurance.

As anyone can start driving at any stage in life, age matters when it comes to car insurance. This is because, as unfair as it may seem, younger people under 25 are likely to pay for car insurance because they are in a higher risk group. According to statistics, young drivers under the age of 25 are likely to pay more for their car insurance because of their propensity to crash. Additionally, statistics from the Road Safety Authority show most drivers killed in road traffic accidents in 2017 were between the ages of 16 and 25.

Also, your address has a big impact on how much you pay for your car insurance. Actuaries look up the crime statistics for your area, and if you live in a place where car theft is on the rise, this may affect your insurance. If there are more claims in your area, the greater the risk.

Your license and driving history

In order to get insurance, you need a full driving license. Having named driver experience will help your case, so if you can get your name on someone else’s policy that will help lower the cost. Unfortunately, named driver experience doesn’t count if you’re on a fleet policy, the kind many employers offer.

No matter if your conviction is in relation to motoring or non-motoring offences, having one will affect your car insurance. Specialist convicted driver insurance is available for drivers who have been convicted or who have open claims. But, we can help find you the best car insurance in these circumstances.

If you’ve lost your license or find yourself starting from scratch, these past convictions may still come back to haunt you. Committing a motoring offence, especially if that conviction is within the last 5 years, does make getting insurance more difficult. It will stop most mainstream insurers from giving you a quote. Even if they do quote, the price may be prohibitively expensive.

But there is good news! If you get in touch with us, we’ll be able to help you find a specialist car insurance provider who will be more likely to take you on with your conviction.

The type of car you drive

If you’re a first time driver, you may be considering what vehicle to buy. One factor which has a massive impact on car insurance premiums is the age of the vehicle. Generally speaking, the newer the car the cheaper it will be to insure. Cars aged 5 years and less are cheaper to insure than cars aged between 5 and 10 years.

This is because modern cars are generally cheaper to repair, and mechanics more likely to be familiar with the inner workings. It’s also important to note that parts for modern cars will be widely available.

The type of car you drive will also affect your insurance because some cars are more attractive to thieves. But these aren’t necessarily Bentleys or Mercedes – in fact, the Volkswagen Golf GTI is one of the most highly theft attractive vehicles. Small, popular cars blend in easily, and Golfs are also more likely to be modified. The chance of finding a high-quality stereo system or other equipment inside means thieves are willing to take a risk.

Wondering if we can help lower your car insurance as a first time driver? Yes, we can! Give us a call today or get an immediate quote online. Our Car Insurance experts are available Mon-Fri between 8.30am and 5.30pm on 0818 224433 or 042 9359051.


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All Information in this post is accurate as of the date of publishing.