Car Insurance Young Drivers Australia – Tested for accuracy by our certified fact checkers, proofreaders and subject matter experts. Learn more about fact-checking.
Because of their inexperience, auto insurers are considered high-risk clients. And for good reason: according to the Queensland government, young drivers under the age of 25 are 60% more likely to be involved in a serious crash than fully licensed drivers aged 25-59.
Car Insurance Young Drivers Australia
And sadly, with only 15% of license holders, according to the NSW Road Safety Centre, crashes involving young drivers account for almost a quarter of annual road deaths.
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This is why you can expect the cost of auto insurance to increase significantly when you list a young driver on your policy.
Generally, the younger you are and the less you drive, the more expensive your car insurance will be and the higher your excess if you do have to make a claim.
On average, young drivers ages 21-24 pay an annual premium of about $1,750 for comprehensive car insurance. This compares to the average annual cost of:
For young drivers, the price can make a big difference. Across Australia, on average, the cheapest prices for young drivers aged 21 to 24 are:
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Although these are average quotes, they may not reflect your situation, so make sure you get at least five quotes, starting with your usual insurer. Also check the policy inclusions and features and excesses.
*Note: Data is for men or women aged 21 to 24 across Australia, making $5000 to $50,000 and driving a car up to 15 years old, for private use, no finance, for the last five years No claims, up to 22,000 km per year, without another registered driver.
Using quarterly general insurance price surveys. We look at quotes for a wide range of situations, and when we quote specific car insurance companies, we use at least 30 quotes in different situations. We include the following car insurance companies:
Note: Not all companies provide prices for all situations. Auto and General Insurance (Budget Direct, ING, Qantas, Virgin Money) and Youi currently do not participate.
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Can your child drive your car? Even if your child only drives your car occasionally and you don’t need to list them on your policy, check with your insurer first to see if they’ll be covered before handing over the keys. Some policies limit coverage to drivers over a certain age. If your child is involved in an accident, you can count on paying a lot more, as almost all policies charge more for drivers under the age of 24. This can be up to $1500 on top of your normal excess depending on whether they are listed on your policy and what type of license they are driving on. Learner drivers
It’s important to check with your car insurer before you learn to drive to make sure you’re still covered.
Some car insurance companies, such as Budget Direct, require you to add a learner driver to your policy, while others, such as the NRMA, AAMI and GIO, require you to check to have a learner if you want to. So there is no need for any change in your car insurance. Driver in your car.
But if the student owns the registered car, the car insurance policy should always be in their name.
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If your P-plater only drives your vehicle occasionally, check with your auto insurer to see if they will be covered or if you need to list them on the policy.
If your P-plater owns their car or is the main driver of your car, the car must be insured in their name. Taking out insurance in your own name instead of saving money can technically be considered insurance fraud, which means your car insurance policy could be invalid and your claims invalid.
If your learner or adult driver gets into an accident, it can be overwhelming. There are four types of plugins:
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It can be added, as there can be more than one. For example, if your 20-year-old son has an accident, isn’t listed on your policy and is still on Ps, you could pay up to $2,600, which could include:
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Depending on the value of the vehicle, young drivers may opt for third-party insurance instead of comprehensive car insurance to save money.
This can be advised in the first few years so that young drivers have more driving experience and can get cheaper car insurance premiums.
Need help understanding your options? We’ve put together a guide to buying auto insurance full of tips, including ways you can get discounts.
We care about accuracy. See something wrong in this article? Learn or read more about our fact-checking. One of the most exciting rites of passage in any teenager’s life is getting their driver’s license. Being able to legally drive can mean a lot more than just getting from A to B. For many people, those car keys are a symbol of freedom!
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So once you have your passport, your car and your insurance and your car keys, it’s as easy as getting in your car and hitting the open road, right?
Well, yes and no. Many people say that “real learning to drive” starts after you pass your test and don’t have the help of a qualified instructor. Going out on just those first few trips can be very intimidating, and even more so if you’re starting to travel further. Issues such as congestion and dangerous roads and the cost of driving are common concerns among young people.
So what is it like to drive under 25 in Australia? Budget Direct commissioned research house Era to analyze and rank a number of key metrics for young drivers, such as price factors such as the price of petrol, the average cost of your car insurance and registration, and parking. Price They were measured against safety issues such as the number of road deaths and how many vehicles were registered per household in Australia’s 20 most populous cities and regions.
According to the index, with 68.9 points out of a possible 100, Melbourne, Victoria is in pole position for the best driving city for young drivers. In terms of cost metrics, Melbourne recorded some of the lowest ULP 91 fuel prices per liter at $1.72 and Melbourne had the lowest rate of accidental deaths per 100,000 population.
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When it comes to car insurance and car registration costs for young drivers, Melbourne is in the higher price range than other cities. With an average car insurance cost of $2,477.00 and an average vehicle registration fee of $805.00, it’s an expensive city for young drivers to hit the road.
Canberra is the worst city for young drivers. At just 25.3 on our index, the capital has higher insurance costs ($2,540.50), higher registration fees ($1,480.10) and is home to busy suburbs where 85% of households own vehicles.
But the capital city benefits from cheap parking at $2.00 for 1 hour. You’ll also find fuel prices reasonable at $1.78 per liter compared to other cities.
According to the Australian website BITRA, in the last 12 months (including this month), the annual road death rate was 4.6 per 100,000 population. This is an increase of 6.0 percent over the 12-month period ending January 2022. In actual numbers, there were 1,208 deaths, an increase of 82 deaths compared to the 12 months ending January 2022.
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The statistical trend shows that the total number of road deaths is +111.6% higher than the target of the National Road Safety Strategy 2021-2030, which is a cause for concern.
With traffic deaths on the rise across Australia, we’ve looked specifically at city and regional deaths to see where the fewest deaths will be recorded in 2022. To verify this, we downloaded official data from BITRE’s database of fatal traffic accidents data, and aggregated deaths from LGA city and regional data for 2022, and obtained more accurate global results. changed it to per 100,000 inhabitants for
Wollongong, Sydney and Albury recorded fewer than 2 deaths per 100,000 residents. Cairns recorded 17 road deaths per 100,000 population – the highest of any city.
Darwin and the City of Greater Bendigo follow Cairns as the cities with the highest recorded deaths per 100,000 population with 10.1 and 9.9 respectively.
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Although Cairns had the highest number of traffic deaths among the cities surveyed, it had the third lowest percentage of households with registered vehicles, at 78.2%. This may suggest that Cairns has less road traffic, but the changing weather may also play a role in the figures.
The city with the lowest percentage of households with registered vehicles is Sydney, New South Wales (77.4%), followed by Darwin at 77.8% of households with registered vehicles. Cairns over