Young-driver car insurance
€627 / year
Mini-omnium: €946/yr · Omnium: €1,830/yr · Legal protection: €73/yr
Best for a young driver who simply wants the lowest premium
By far the cheapest at 24: €627/year third-party, €342 less than Ethias. No dedicated young-driver offer, but the rate speaks for itself. Free cover as an occasional driver on the parents' policy is a good stepping stone.
Pros
- Lowest RC premium at 24 (€627)
- Also the cheapest mini-omnium (€946)
- Free occasional-driver cover on parents' policy
Cons
- No dedicated young-driver offer
- Limited availability depending on age and licence seniority
Source: CallMePower · 17 June 2026 · Official site
2Ethias
Best dedicated young offer€969 / year
Mini-omnium: €1,404/yr · Legal protection: €104/yr
Best for a young driver still living with their parents or already a customer
The 'Ethias Young Drivers' plan is the most complete on the market: −15% if you live with your parents or are already a customer, a 2-level bonus-malus descent per claim-free year (instead of 1), and €50 refunded for a defensive-driving course. The headline rate stays above ING, but the gap narrows with the discounts.
Pros
- 2-level bonus-malus descent per claim-free year
- −15% if you live with your parents or are already a customer
- €50 refunded for a defensive-driving course
Cons
- +€342/year vs ING on the headline rate
- Expensive mini-omnium (€1,404)
Source: CallMePower · 17 June 2026 · Official site
€971 / year
Partial omnium: €1,205/yr · Omnium: €2,161/yr · Legal protection: €47/yr
Best for a driver aged 23+ who wants the cheapest partial omnium
RC premium almost identical to Ethias, but its partial omnium (€1,205) is the cheapest in the ranking after ING, and its legal protection the most affordable (€47). Caveat: minimum age 23, and not insurable at 18.
Pros
- Competitive partial omnium (€1,205)
- Cheapest legal protection (€47)
- 5% discount per claim-free year
Cons
- Minimum age 23 — not insurable at 18
- No dedicated young-driver offer
Source: CallMePower · 17 June 2026 · Official site
€990 / year
Mini-omnium: €1,302/yr · Omnium: €1,454/yr · Legal protection: €54/yr
Best for a young driver who still wants an affordable omnium
The highest RC rate of the four priced insurers, but Yuzzu is the only one offering a young-driver omnium at a reasonable price (€1,454, versus €1,830 at ING and €2,161 at Fédérale). No dedicated young offer, though.
Pros
- Cheapest young-driver omnium (€1,454)
- Legal protection at €54
- Assistance included
Cons
- Highest RC of the priced insurers (€990)
- No dedicated young-driver offer
- At 18, RC climbs to €2,190/year
Source: CallMePower · 17 June 2026 · Official site
On quote — no published estimate
Best for under-36s looking for the most aggressive discount
DVV publishes no figure, but offers the most aggressive discounts on the market for under-36s: 3 free months in year one, −30% on third-party and up to −30% on omnium, plus a 2-level bonus-malus descent per year. Always put it in competition with ING.
Pros
- 3 free months in year one (under 36)
- −30% on RC and up to −30% on omnium
- 2-level bonus-malus descent per claim-free year
Cons
- No published premium estimate — quote required
- Eligibility conditions to check
Source: CallMePower · 17 June 2026 · Official site
On quote — no online simulation
Best for a young driver willing to go through an adviser
P&V grants up to −15% on third-party and damage premiums, and lowers the bonus-malus by 2 levels a year for 3 claim-free years — a real accelerator. Constraint: no online quote, an adviser must be contacted.
Pros
- Up to −15% on RC and damage premiums
- −2 bonus-malus levels/year for 3 years
- BOB assistance included
Cons
- No online quote — adviser contact required
- No published premium estimate
Source: CallMePower · 17 June 2026 · Official site
On quote — driveXperience plan, conditions apply
Best for a young driver whose parents are already insured with AXA
The 'driveXperience' plan offers −20% on the RC premium, but it is conditional: your parents must already be insured with AXA (under 26, or under 30 with a licence held for less than a year). If that is your case, request the quote — otherwise, move on.
Pros
- −20% on the RC premium (driveXperience)
- AXA is 2nd on the market for adult RC (€307)
Cons
- Conditional: parents must already be AXA customers
- No published young-driver estimate
Source: CallMePower · 17 June 2026 · Official site
Frequently asked questions
Which is the best car insurance for a young driver in Belgium?
On price alone at 24, ING is cheapest (€627/year third-party), ahead of Ethias (€969), Fédérale (€971) and Yuzzu (€990). But if your parents are already insured with AXA, its driveXperience plan (−20% on RC) can change the maths. And DVV grants up to −30% on RC to under-36s.
Why is young-driver insurance so expensive?
Accident statistics for novice drivers are unfavourable, so insurers apply a surcharge. Concretely, the same third-party cover goes from €627 at 24 to €1,265 at 18 with ING — double. Every claim-free licence year brings the premium down.
Should a young driver take an omnium?
Rarely. At 24, an omnium costs €1,830/year at ING versus €627 for third-party — almost triple. Mini-omnium (€946) is the sensible compromise if your car has real value. On a used car over 6 years old, third-party only remains the rational choice.
What if no insurer will take me?
If at least 3 insurers refuse you, your vehicle is under 65 kW and you have no claims history, the official Tariff Bureau guarantees you full cover for around €1,000/year. It is a right: nobody has to stay uninsured in Belgium.
How can a young driver lower the premium?
Five concrete levers: pick a vehicle of 66 kW (~90 hp) maximum, choose a used car with driver aids, stay on third-party at first, get insured first as an occasional driver on your parents' policy, and take a defensive-driving course (Ethias and Belfius refund €50).