Impacts of loss of points on the certainty of a young driver

Young drivers are increasingly numerous to see their number of points fall into the driving license, with an impact on the price of their car insurance. If sometimes leads to an increase in the bonus, the cost remains influenced by other criteria such as geography, the type of vehicle or permission. Therefore, let’s take stock of the key figures and factors that really weigh on the insurance invoice for young people behind the wheel.

Young drivers, although they represent only 8 % of the population, are involved 17 % of the deaths on the streets in France. According to detailed data from the site THE Road safety, The most frequent factors of serious accidents in this age group (18-24 years) include the order of speed, alcohol, use of narcotics, telephone while driving and fatigue. For example, 32 % of fatal accidents involve an excessive or unsuitable speed, a behavior often observed in young people behind the wheel.

With 6 out of 12 points to obtain a driving license, the minimum crime in the test license can have immediate and serious consequences. For example, a excess speed greater than 20 km/h or drive under the influence of alcohol (even with a low rate) can cause a Loss of different points at the same time. In case of total loss of points, permission is automatically disabled, forcing the Driver to iron the exam. Also, some serious crimes, such as the‘Use of the phone while driving oa excess speed greater than 50 km/hcan lead to a file immediate suspensionfurther complicating the situation of the novice pilot.

The increase in prices for young drivers, in particular in the test license, is simply explained by the lack of experience on the road and therefore by the risk supported for insurers, because the probability of serious accidents remains stronger.

The loss of points on the authorization does not systematically increase the car insurance rate because it is based on other criteria such as geography, car model, type of permit, choice formula, etc. For example, on average, the region that practices the highest rate of France is the Paca region (€ 1354) against € 913 for Brittany, where the price is the lowest.

However, as shown by the statistics of the comparator Lelynx.fr, the loss of points can still vary The price of the car insurance of a young driver : for those under the age of 25 who compared their car insurance on the platform, 84.22 % of them have not lost points and would pay on average 1 125 € insurance per year, while for 15.7% Having lost one or more points, the average prize is 1 098.50 €.

Among them:

• Those who have lost Between 1 and 2 points (9.56 %) benefits from the lowest rate (985 €), which could indicate minor crimes that do not strongly affect their risk profile.
• The drivers who have lost Between 6 and 8 points have a price of 1 024 €close to the average.
• On the other hand, those who have lost 9 or more points pay a much higher price (1 299 €), reflecting a very high perceived risk.

*The data collection methodology is as follows: the results were obtained on a significant sample of privileged car insurance premiums, the young driver click after the comparison by the users of Lelynx.fr in the period from 1/1/2024 to 1/11/2024.

This reflects that, even without offense, the costs of young drivers remain high due to other factors (lack of experience, risk profile for insurers). We could also assume that these young drivers, having no lost points, have more expensive vehicles to maintain for insurance.

Being a young driver does not necessarily mean paying a fortune for his car insurance. By adopting simple but effective strategies, you can significantly reduce the price. Here’s how:

•         Choose a third -party formula : This formula covers the damage caused to third parties, while remaining much more convenient than all risks.
•         Opt for an economic used vehicle: Choose a car Used with a limited engine, it reduces insurance costs and also show your seriousness as a driver.
• Perform a preventive guide course: Some insurers reward this approach with discounts on your price.
•         Compare prices thanks to comparators like Lelynx.fr : Having a panorama of the competition allows you to obtain an overview of the offers adapted to your profile.