KEY POINTS:
- Car insurance cover for young, inexperienced drivers tends to come with higher excesses and premiums.
- However, once a driver reaches 25 years of age they can look forward to lower premiums, especially if they have a clean driving and claims history.
- Canstar’s latest Car Insurance Awards give top 5-Star ratings to Cove, AA Insurance and FMG for offering the best value car insurance to drivers in the 25-29 age bracket.
Finding the best car insurance isn’t always easy. Not only do insurers make it hard to compare prices, but their policies and deals vary depending on things such as your age, driving history, and address.
While learners and drivers in their 20s can face higher car insurance costs, especially if they are male and driving a powerful car, once a driver reaches 25 they can look forward to lower premiums, especially if they have a clean driving and claims history.
Below, we look at the insurers who we awarded 5-Stars for Oustanding Value (drivers aged 30-49) in our latest Car Insurance Awards, as well as some tips and tricks on how to save on your car insurance.
Best car insurance: drivers aged 25-29
Each year, we release our car insurance awards, covering winners for Insurer of the Year, Outstanding Value, and Most Satisfied Customers. As part of our award results, you can view our Outstanding Value Star Ratings for different age groups, to help you find the best car insurance for you and your family.
Below are our top-rated providers in the drivers aged 25-29 category. Click here to view our complete car insurance Star Ratings for all age groups.
| Provider | Star Rating |
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How to save on insurance
Tips to help you get the best deal on car insurance include:
- Choose a higher excess – doing so means you’ll have to pay more when making a claim, but it should reduce your premiums.
- Pay upfront – instead of paying monthly, pay for a year’s cover up front for a discount.
- Shop around – compare providers to find which ones could be best for you. Then, get a few quotes from those providers to secure the best price.
- Keep your car secure – if you’ve a garage or secure off-street parking, your car is at less risk of break-ins. Parking your car in a secure area when not in use can help reduce the cost of your premiums.
- Driving safely – accidents or even road violations can impact your insurance. A clean driving history can get you better deals, plus benefits such as no claims bonuses.
- Limit who can drive your car – excluding cover for young drivers can help you save on premiums.
- Bundle your insurance – does your provider also have home and contents insurance? Bundling policies can earn you a discount with some insurers. Although always ensure both policies are a good deal and right for your requirements.
- Insure your car for its market value – this means that instead of insuring your car for a fixed price (agreed value) your car is insured for its second-hand value at the time of any claim, which is a cheaper option.
- Choose your extras carefully – insurance providers often offer additional car-insurance add-ons, such as excess-free glass. But if they come at an extra cost, make sure they’re worth it.
- Buy online – many car insurance providers offer discounts and deals to customers who purchase their policies online.
Compare Car Insurance Star Ratings
About the author of this page
In his role at Canstar, he has been a regular commentator in the NZ media, including on the Driven, Stuff and One Roof websites, the NZ Herald, Radio NZ, and Newstalk ZB.
Away from Canstar, Bruce creates puzzles for magazines and newspapers, including Woman’s Day and New Idea. He is also the co-author of the murder-mystery book 5 Minute Murder.
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