Young drivers don’t have the most penalty points

Young drivers don’t have the most penalty points

DVLA information reveals other age groups have more penalty points.

A Freedom of Information request to the DVLA has revealed that there are fewer young drivers with 12 or more penalty points than might be thought.

The data, which was requested earlier this year by the Co-operative Insurance and shows a snapshot of the DVLA’s records on 2nd February 2015, shows that there are more drivers in the 26-35, 36-45 and 46-55 age brackets with 12 or more penalty points compared with drivers aged 25 and under.

Age Group Drivers with 12 penalty points
17-25 630
26-35 1,880
36-45 1,718
46-55 1,501
56-65 607
66-75 150
76-85 2

4 Young Drivers did some additional research and found that of all drivers with 3, 6 or 9 penalty points respectively, the under 25s again was not the age group with the most points. See the tables below, extracted from government data at 7th March 2015.

For drivers with 3 points on their licence, males in the 46-55 age group and females in the 36-45 age group had the most points. 

3 points Female Male
16-25 52,870 116,458
26-35 142,897 291,361
36-45 180,517 341,325
46-55 178,429 368,194
56-65 92,927 236,268
66-75 50,244 137,956
76-85 18,727 52,567
86-95 2,539 7,858

For drivers with 6 points on their licence, both males and females in the 36-45 age group had the most points. 

6 points Female Male
16-25 9,503 36,284
26-35 24,460 82,300
36-45 30,306 83,066
46-55 27,913 82,538
56-65 11,135 44,071
66-75 4,412 18,123
76-85 1,387 5,141
86-95 156 640

For drivers with 9 points on their licence, the 36-45 age group was again the highest for both males and females.

 9 points Female Male
16-25 973 5321
26-35 3043 13871
36-45 3733 13879
46-55 3254 13749
56-65 1322 7174
66-75 461 2530
76-85 137 614
86-95 19 72

Cost of claims affects premiums

While this is encouraging news for young drivers, on its own the data does not translate directly into cheaper insurance premiums for the youngest age group. Penalty points data is just one element on which young drivers’ insurance premiums are calculated and don’t reflect the number of accidents, injuries, fatalities and insurance claims which occur in each age group.

Data released by the Association of British Insurers (ABI) on 2nd July 2015 shows that young drivers’ claims are still more expensive than any other age group.

The average claim for an 18-20 year-old is £3,667 and £2,905 for a 21-25 year-old. By contrast, subsequent age groups’ claims become less expensive with age, though they begin to increase again gradually after the age of 65:

Age of policyholder Average cost of insurance claim
18-20 £3,667
21-25 £2,905
26-30 £2,520
31-35 £2,274
36-40 £2,279
41-45 £2,199
46-50 £2,265
51-55 £2,233
56-60 £2,216
61-65 £2,180
66-70 £2,225
71-75 £2,495
76-80 £2,572
81-85 £2,886
86-90 £3,690
91+ £3,656

The important takeaway from the data is that investment in young drivers’ training to help them drive safely and with fewer accidents is key to cheaper premiums.  

4 Young Drivers has access to rates for young drivers with penalty points.

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Released On 6th Jul 2015

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