🚘 Cheap Car Insurance for Young Drivers in Australia

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Cheap Car Insurance for Young Drivers in Australia

🇦🇺 Why Car Insurance Is Expensive for Young Drivers in Australia

If you’re under 25, car insurance premiums in Australia can feel unfairly high. Here's why:

  • Higher accident risk

  • Limited driving experience

  • Lack of insurance history

  • More likely to drive high-risk vehicles

But there’s good news — many Aussie insurers offer tailored discounts and policies for safe young drivers.

💰 Average Car Insurance Cost for Young Drivers in Australia

State/TerritoryAvg Annual Premium (Age 18–25)
New South Wales$1,800 – $3,200
Victoria$1,600 – $2,900
Queensland$1,400 – $2,600
South Australia$1,200 – $2,200
Western Australia$1,100 – $2,000

💡 Tip: Premiums can vary based on suburb, car type, and driving history.

🏆 Best Cheap Car Insurance Providers for Young Drivers in Australia (2025)

1. Bingle Insurance

  • Budget-friendly for under 25s

  • Basic cover with optional add-ons

  • Great for drivers of older or smaller cars

2. Budget Direct

  • Regularly ranked #1 for value

  • Safe driver rewards

  • 15% off when you buy online

3. Youi

  • Customisable policies

  • Great for part-time or low-mileage drivers

  • Discounts based on usage and lifestyle

4. AAMI

  • "AAMI Safe Driver Rewards" program

  • Named driver cover for young Aussies

  • Flexible excess options

5. Allianz Australia

  • Good for drivers who complete safety courses

  • Discounts for cars with advanced safety features

  • Easy online claim process

🔍 How to Get Cheap Car Insurance as a Young Driver in Australia

✅ Top Tips to Lower Your Premium:

  • Drive a safe, low-risk car
    Avoid sports models or high-powered vehicles.

  • Opt for third-party or third-party fire & theft
    Full comprehensive cover isn’t always necessary for older vehicles.

  • Complete a defensive driving course
    Some insurers offer discounts for accredited safety training.

  • Add yourself to a parent’s or guardian’s policy
    Named driver policies are often cheaper than solo ones.

  • Limit your driving distance
    Fewer kilometres = lower risk in the insurer’s eyes.

  • Increase your excess
    Choosing a higher excess can reduce your premium.

📱 Use a Driving App or Tracker

Some insurers offer usage-based insurance (UBI) where you install a tracker or use a mobile app to prove your driving habits:

  • YouiDrive (Youi)

  • AAMI Safe Driver App

These programs reward safe driving with lower premiums.

📍 Cheapest Cities for Car Insurance in Australia (Young Drivers)

CityAvg Monthly Rate (Age 18–25)
Adelaide$100 – $150
Perth$110 – $160
Brisbane$120 – $170
Melbourne$130 – $190
Sydney$140 – $210

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