Insurance for new drivers

Insurance for new drivers: comparison, costs & percentages

You’re still a novice driver, but you’re looking for a good car insurance policy that offers good value for money? Then our comparison presents you with hundreds of new driver insurance policies and their objective advantages and disadvantages. Transparent, independent and packed with information about the offer. This is how you can compare quickly and easily and find the best offer that suits your individual financial and personal requirements.

  • Comparison of hundreds of insurance policies
  • Perfect for novice drivers
  • Favorable offers despite high premiums
  • Also possible for second car
  • Simply enter your license plate number

New driver insurance calculator 2022

It’s done. Although you obtained your driver’s license at the age of 17, you can finally buy your own car at the age of 18 and register it in your name. In most cases, this is a used golf, a corsa or a vehicle of similar design.

Insurance for new drivers: comparison, costs & percentages

The price is often around 1.000 euro, as the experience with the purchase of the first car has shown. You’ve found the car of your dreams and you’re delighted. The bitter pill you have to swallow as a beginner driver, however, is called "insurance premium".

The insurance companies are taking a long hard look at new drivers. An insurance comparison shows that you can quickly start with a premium of 1.000 euros in the first year. The classification for a beginner driver who has held his driver’s license for less than three years starts in the no-claims class 0. Expressed as a percentage, the premium, depending on the insurance, is between 190 and 230 percent.

It is therefore necessary to look for solutions that significantly reduce the motor vehicle insurance. Insurers note that the number of 18 – 23 year-olds involved in accidents is above average. Unfortunately, driving under the influence of alcohol also plays a role in the past, as reported by the Handelsblatt newspaper. the question of how much car insurance costs for new drivers cannot be answered in a general way, as you can see from the following examples.

  • The number of people involved in accidents in the age group 18 to 23 is above average.
  • insurance policies for new drivers take this into account and the premiums are correspondingly high.

SF 0 – how much does a car insurance cost for new drivers??

  • Let’s stay with our example opel corsa with 46 hp. For a corsa B, year of construction 1997 and a mileage of 6.000 kilometers, the premium for the frankfurt am main registration district starts at slightly less than 900 euros per year. The same amount is charged for registration in the hochtaunus district. the premise for the example calculations is still that it is a driver who also has an annual ticket for public transport.
  • A VW golf III, also built in 1997, with 60 hp and the same conditions starts at the cheapest insurance with a little less than 800 euros.
  • For a golf IV with 75 hp and year of construction 2003 requires an identical premium.
  • It becomes interesting with a 3-series BMW with 105 hp from the 2001 series. Here you have to pay an insurance premium of at least 1.000 euro in the first year.

How can I save on insurance as a novice driver??

After our small numerical examples you will surely ask yourself this question. Bargaining with the insurance company is hardly possible. The amount of the car insurance is based on a tariff, the premiums are not determined individually. The basis for the premium calculation is the accident analysis of all vehicle types in the respective registration district, which is carried out once a year.

How can I save on insurance as a beginner driver?

This analysis is carried out by the expert committee of the German Insurance Association (GDV). As a result, the respective vehicles are divided into certain type classes and the registration districts into certain regional classes. A few years ago, the offenbach land registration district had by far the highest number of accidents and thus generally became more expensive. But if the number of accidents caused by a 97 corsa B with 46 hp is lowered, this vehicle type has been downgraded in the type class. Type class and regional class are decisive, how the insurers calculate the premium.

For you it is important to find the cheapest insurance with the best solution, the no-claims classification.

insurance for new drivers as a second car

The second car regulation is certainly the most frequently found solution to at least slightly reduce the horrendous premium for new drivers. In this case, the parents insure your car as a second car, but specify you as the user. There are various possible solutions for the second car regulation.

  • The classification is made according to SF 1/2, if the youngest driver has the driver’s license for less than three years.
  • The classification is made according to no-claims class 2 if the youngest driver has held the driver’s license for more than three years.
  • The classification of the second car is based on the classification of the first car with a discount.
First vehicle second vehicle
SF 4 to SF 6 SF 3
SF 7 to SF 10 SF 4
SF 11 to SF 18 SF 5
etc. Usw.

The second car is classified in the same no-claims class as the first vehicle. However, this option, which is offered by only a few insurance companies, has a number of restrictions that vary from company to company.

  • In some cases, the youngest driver must not be younger than 25 years of age.
  • The first vehicle must be better than SF 2 classified.
  • The annual mileage is limited.
  • The first vehicle must be insured with the same company, respectively an application must be made for the coming insurance year.
  • If your car was rated SF10, for example, and you change insurers, the new contract is then rated with the actual no-claims class, for example SF 3 after three years.

Can a novice driver take over an insurance policy??

The discount transfer would be the other alternative to get a cheap car insurance as a beginner driver. Here, however, the legal situation has changed a few years ago. Whereas in the past the discount could be transferred arbitrarily from one person to another, today this only applies within the family. This can make sense if, for example, the grandparents no longer want to drive a car in the future and want to transfer their SF class to their grandson or granddaughter.

  • The most common way to lower insurance premiums for novice drivers is to have a second car through their parents.
  • If the second car can be insured at the same conditions as the first car, it makes sense to change the insurance for the first car as well.
  • The discount transfer will only bring a significant saving if you have already been riding for a few years.

Tips for lowering premiums

In addition to the second car regulation and the discount transfer, there are other ways in which you can reduce the premium for the new driver’s insurance. These also have an effect if the car was insured through your parents as a second car.

Possibility description
railcard what may sound strange at first glance makes perfect sense. Compare the premiums in our calculator with and without a bahncard. There are insurances that give such a high discount if you are a railcard owner that the annual fee is well worth it, even if you never take the train. of course, you have to make sure that you recheck the premium every year, because at some point the point has come that the savings no longer exceed the expenditure for the bahncard.
Driving safety training a driving safety training generally lowers the premium for the car insurance with some insurers. This is completely independent of the age of the policyholder. However, safety training has a particularly positive effect on novice drivers. The vehicle manufacturer BMW, in cooperation with the suddeutsche Zeitung, offers such driving safety training courses especially for drivers between 18 and 25 years of age. If you ever want to drive a 318i, you will have the opportunity to do so during training. Groups consist of a maximum of twelve participants and one instructor. The price for the training is very moderate and even cheaper if you come with your own car.
Lower type class equals lower insurance premium When choosing your future car, you should also take a look at the type class. the lower the vehicle is classified, the lower the insurance premium will be. You cannot change the regional class, but you can change the premium by choosing the car. Possibly the renunciation of five horsepower already makes a significant saving. You can find out the class of your new car here via the type class index.
The mistakes made when buying a car twenty years ago, the older a car was, the cheaper it was to insure. age, horsepower, type and region were the parameters that determined the premium for car insurance. But today this is by no means the case any more. On the contrary, the older the car, the more expensive the premium can be. Here’s an example: a golf II is mainly bought by young people and novice drivers. According to the GDV, they have a significantly higher accident rate than the group of 50-year-olds. A fifty year old will tend to buy an audi A6. It is therefore possible that the audi is classified more favorably in the liability insurance than the golf II, regardless of the SF class. Of course, the situation is completely different for fully comprehensive and partially comprehensive insurance. Here the premium is also very strongly influenced by the value of the vehicle. Therefore, before you go ahead and buy a car, you should use our comparative calculator to see which car is tariffed how.
The moped as a solution? There are actually some insurers who give a beginner rider a more favorable rating if he had registered a moped before the motor vehicle. In this case, it is classified in SF ½, not in SF 0. But you should be very careful with these companies. Typically, these tend to be expensive carriers, and even if they are rated SF ½, they can be more expensive than a low-cost carrier rated SF 0. A rule, which applies to all insurers, is the SF transfer from a light motorcycle to the car. If you want to drive a moped in the time between your 16. And 18. If you have ridden a moped without an accident before the age of 18 and then exchange the bike for a car, you can take the SF class with you. If you keep the motorcycle, an exchange of the no-claims classes, i.e. SF transfer to the car and start again at zero for the motorcycle, can also be the more favorable solution.
Deadline 30.6. The reclassification of no-claims classes always takes place on January 1 of the year. January of a year. For novice drivers, however, it depends on when the vehicle was registered for the first time. If the day before the 1.7. of a year, a reclassification takes place at the 1. January. Do you insure the car after 30.6., you will have to wait until the year after next for your SF class to improve. It makes no difference if the first registration was on the 2nd day of the year. January or on 30.6. It happens, the main thing is that it was in the first half of the year.
  • in addition to the second car and the discount transfer, there are additional ways to reduce the car insurance premium.
  • Some insurers grant a discount on presentation of a railcard.
  • A driving safety training course also reduces the premium.
  • The lower the type class of the car, the lower the insurance premium.
  • An old car does not automatically mean a cheap car insurance.
  • The pre-insurance of a small motorcycle can be taken into account.
  • The insurance of the car before the 1.7. of a year shortens the period until the next SF class by one year.

The motorcycle as the first vehicle

if you don’t want to start with a car, but want to use a motorcycle first, it will be much cheaper in the insurance. The entry level is SF 0. In contrast to the car, however, not with an order of magnitude of up to 240 percent, but rather with 100 percent. The 100 percent level requires SF class 1 for most car insurers.

The insurance comparison

Insurance for new drivers: comparison, costs & percentages

We have already given you some tips on what to look for in a new driver’s insurance. Our insurance comparison will help you find the cheapest insurer for you. However, there are a few things you need to keep in mind. Today, insurers no longer offer only one tariff, but usually three variants. These are called "basic" for the simplest configuration, "comfort" for a few more extras, and "premium" if the tires are also covered against wear and tear (I’m kidding). These differences apply almost exclusively to the partial cover and fully comprehensive insurance. In the liability insurance it is important that you do not choose the legal sum insured, but the maximum sum insured. Personal injury can be very expensive if you cause an accident with your car.

Discount protection – worth its weight in gold for novice drivers

Assuming, just assuming, that you cause an accident. As a beginner you will be upgraded to an almost unaffordably high SF class. For a few euros more per year you can keep your SF class by a so-called discount saver despite an accident. As a rule, you have one accident per year "free". There are some nonsensical inclusions in motor vehicle insurance, such as passenger accident insurance. The discount saver, on the other hand, is one of the most useful extras in car insurance, especially for new drivers.

Do I need fully comprehensive insurance as a beginner driver??

This question cannot be answered in a general way. Fully comprehensive insurance is also very expensive for new drivers. The question is whether, if you break down your car yourself, you have the money to buy a new vehicle right away. if the premium exceeds the purchase price, fully comprehensive insurance would be nonsense. However, if you have saved up for your car for some time, and the equivalent of 5.000 euro on the doorstep, it remains to be considered to conclude such a contract.

  • Do not compare apples with pears in insurance comparisons, i.e. basic tariffs and premium tariffs in terms of premiums.
  • The rebate saver is a worthwhile expense.
  • Comprehensive insurance must be considered on a case-by-case basis.


Insurance for new drivers: comparison, costs & percentages

Before buying a car, the insurance premium must be determined. We hope we have been able to give you a few tips on how you can reduce the premium for new drivers insurance. It may take a bit of effort at first to go through all the options to see which way is the cheapest and to see which insurance offers the best second car scheme. In the end, however, this pays off directly – after all, it’s your money.

With our insurance comparison, you should now be able to find the ideal and cheapest insurer for you, possibly including your parents’ car. It may also be worthwhile to switch your parents’ car to a new insurer, if this means that both vehicles can be insured in the same SF class. Have a good trip!

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Christina Cherry
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