What's the best car insurance for under 25?

Finder research shows the best value car insurance for under 25s is Budget Direct comprehensive car insurance. This is because it offers a thorough policy at a lower cost than competitors. For a policy that prioritises price only, then RoLLiN' is a good option for young drivers as it typically comes out cheapest. Keep in mind, the costs for this research are based off a fictional profile and your own quote will likely differ.

Can I insure my car in my parents' name?

Not if you drive the car more than they do. If you want to save money by piggybacking off of an experienced driver's policy, you can – but that driver needs to be the one who drives the car the most. In other words, your parents can't insure your car in their name just to save you money on your insurance. That is called car insurance fronting and is a form of fraud. If you have to claim at some point, your insurer has ways of finding out who really drives the car most. Just don't do it.

Can young drivers get insurance for a modified car?

Yes but it depends on the modification. Firstly, before buying a modified car, you should check to see if there is an insurer that will cover you. Make sure the modifications aren't considered dangerous or illegal – if they are, your insurance won't cover you. For small modifications, such as a roof rack, you will most likely need to list them as a non-standard accessory when you take out a policy. Insurers will usually ask you about this during the quote process.

Do young drivers pay more for car insurance?

Yes. Younger drivers have less driving experience and are statistically more likely to be involved in car accidents. Therefore, insurers see them as higher risk drivers and tend to charge higher premiums.

Is there specialised car insurance for younger drivers?

There aren't any providers who exclusively offer cover for younger drivers, however there are car insurance providers who may be better for young drivers than others. This can be influenced by; what premiums they charge for younger drivers, if they have a young driver excess and how expensive it is, how they may up the premium for a policy with a younger driver listed as an additional driver. Our research found that RoLLiN' is particularly good for young drivers as the premiums are competitive and it doesn't charge an age based excess, while many other insurers charge up to $600 for claims made by a younger driver.

Can I get a discount on my car insurance?

Yes, car insurance deals and discounts are often available, particularly on comprehensive plans. This can be great for young drivers looking to reduce their premium.