Glossary term
Age band
Age band: An insurer's age grouping with its own rate factor. Eighteen sits in a high youth band; factors fall at 19, 21 and 25.
Where this term matters
Guides and entries on this site that use the term.
Guide
How Much Car Insurance Costs at 18
What 18-year-olds pay for car insurance on their own policy and on a parent's, why 18 is priced the way it is, and what changes by 19, 21 and 25.
Entry
How Car Insurance Changes From 18 to 25
The year-by-year path from 18-year-old rates to adult rates, where the big drops are, and what a clean record is worth.
Entry
Using Telematics to Lower Car Insurance Costs at 18
Explore how telematics and driving apps help 18-year-old drivers reduce car insurance premiums by tracking mileage, braking habits, and safe driving routines.