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Why Northern Ireland Is the Cheap-AI Dream for Young Drivers

Quick facts: If you’re between 17‑24, 25‑34, or 35‑44, you’re living it up in the cheapest part of the UK for car insurance. NI isn’t just budget‑friendly—it’s most-affordable across those three age brackets.

Daily Price Breakdown

17‑24 years old: £1,748 on average
25‑34 years old: £844
35‑44 years old: £625

These numbers come straight from CompareNI, the brains behind the best price‑comparing setups. And get this—despite the super alarming accident statistics, the premiums just keep dropping.

Road Safety Snapshot (Yes, the numbers are still scary)

Fatalities in NI are 34% higher than the UK average.
Car‑occupant deaths climb a whopping 88%.
Between 2021‑23, novice drivers (under 2 years on the road) were involved in collisions that killed or seriously injured about 125 people each year.
The biggest risk spread? 39% of those involved had just passed their test within the last six months.

So, while the road becomes a bit less friendly, the insurance prices keep falling. Even with the uptick in fatal accidents, you’re still saving cash.

Expert Take from Ian Wilson, Car‑Insurance Guru

“Historically, Northern Ireland’s higher crime rates and lawsuit payouts have bunched up premiums. But hey, the market’s getting a bit more level with the rest of the UK. I’d still expect the rates to stick up a bit through 2025 because inflation’s still a wild card.”

He added a friendly reminder: “Young folks top the insurance cost charts because insurers lack a history of how you drive. Plus, statistically speaking, the younger drivers produce more mishaps—especially in NI.”

But don’t feel all doom and gloom! Look for the sweet spot. Timing your insurance purchase or walking a mile on your car use can cut costs. And the best cheat code is safe driving—think telematics, low‑risk “black box” plans, and putting in extra hands on wheel for extra savings.