How much does a driver under 35 pay on average?
A stable average insurance premium amount over recent years
According to the results observed on a significant sample of car insurance premiums clicked by users of the insurance comparator LeLynx.fr, between 2022 and June 2, 2024, drivers under 35 pay on average 817 euros for their insurance auto.
This amount has also remained stable compared to the years 2023 and 2022, during which it amounted to 803 and 806 euros respectively.
A possible difference depending on the type of engine
According to the car insurance comparator study, the average amount of the car insurance premium varies between diesel, gasoline and electric engines. If the difference is only 1 euro between a diesel vehicle (813 euros) and a gasoline model (814 euros), the difference exceeds 120 euros compared to an electric vehicle (941 euros).
The evolution of car insurance rates also differs depending on the type of engine. Between 2022 and 2024, the average cost for a diesel vehicle increased from 812 to 813 euros. Over the same period, it increased from 797 to 814 euros (for gasoline engines).
The increase, however, is more marked for electric vehicles. The amount of the insurance premium was 808 euros in 2022, 892 euros in 2023 and 941 euros in 2024. The increase exceeds 130 euros and reaches 16%.
Why is the insurance premium more expensive with an electric vehicle?
More expensive vehicles and more costly breakdowns
If insurance for an electric vehicle is more expensive compared to that for diesel and gasoline models, it is because of a generally higher purchase price.
We must also mention relatively costly breakdowns, such as those related to the battery and on-board electronic devices. The cost of replacing a battery very quickly exceeds 10,000 euros on a high-end model. A high price, which has repercussions on insurance premiums.
A technology in the process of being democratized
The more pronounced change in the price of insurance for electric vehicles has its origins in the relative priming of the technology. This type of vehicle has only become more popular in France in recent years.
In addition to having more users to compensate, insurers now have more visibility on the real cost of premiums to be paid in the event of a breakdown or accident. Thanks to this new data, they can adjust the amount of contributions.
What are the other criteria that explain the price of car insurance?
Third-party, extended third-party and all-risk insurance
The type of coverage has a big influence on the price of the insurance premium. You can use a site like LeLynx.fr to compare prices and protection between different plans and find suitable young driver car insurance..
As a reminder, third-party insurance essentially covers damage caused to other users (drivers and pedestrians). Extended third-party coverage adds risks such as theft or fire. Comprehensive insurance provides a maximum level of protection, regardless of liability and type of accident. It is highly recommended in the case of a new vehicle or one with a high Argus rating.
Geographic area and parking location
Depending on the geographical area and the place of parking, the vehicle is not exposed to the same risks. The insurance premium is then higher in a city with a large number of vehicle thefts or damage. There is also a difference between a vehicle parked on a public road and a vehicle stored in a closed garage.
The driver bonus-malus and the mileage bonus
For each year without an at-fault accident, the driver sees his bonus increase to gradually reach 50%. In addition, for policyholders who drive very little during the year, insurance companies generally offer a mileage bonus. Combined, the two systems allow you to pay less for your car insurance.
To sum up
Here’s a look at car insurance premiums in France for drivers under 35, showing cost differences between diesel, petrol and electric engines. Electric vehicles have higher premiums due to their higher purchase cost and costly breakdowns. The type of coverage, geographic location and driver bonuses also influence the price of insurance.
