Why is car insurance more expensive for young drivers?

Is there age discrimination here?

Insurers may not discriminate on the basis of age. They may do so if there is a demonstrable difference. Young drivers demonstrably cause more damage on average, so a difference in premium is allowed.

Put car in parents' name?

You can avoid a higher premium by putting the car in the parents' name and insuring it. Unfortunately, that's not going to work. Premiums depend on the regular driver. Parents who designate themselves as regular drivers are committing fraud if that is not true. The result may be that the insurer can terminate the insurance immediately and will not pay claims. In practice, this is difficult to prove, but it is possible.

Also, if young people insure the car in the name of the parents, they do not build up claim-free years. As a result, young people continue to pay comparatively high premiums for car insurance even when they are older.

There are some insurers that specifically target young people, but that is not the solution. When buying insurance, you want the best insurance at the lowest premium. You get this by comparing.

Important to build claim-free years

For young drivers, it is important to build up claim-free years. At a young age, there is often only enough money for an older car that is insured WA. Later in life, there is usually more money available and more expensive cars are bought. The more expensive cars are WA cascade insured. In a WA car insurance policy you can often build up valuable claim-free years relatively cheaply. As soon as a more expensive car is bought, a high discount is already built up in the form of claim-free years.