Why are my car insurance quotes so high?!

[Lila99]

I’m 25 yo female living in a nice town with low crime rate, passed test in May this year, car would be kept in underground parking over night etc. I obviously have no years no claims so understand it will be high. My issue is, no matter if I look at quotes for a 2 litre golf or a 1.4 Peugeot they are all around £180 per month? Why does it not make a difference with different cars? I should also add, when I first started looking for quotes months ago, they were coming out a LOT cheaper (£100 less) I just can’t see why they are so much since I turned 25? Can anyone shed some light?

TIA

No idea how they work it out. My first car was an old 1.2l Honda Jazz nd my insurance was just under £400 a year. Drove that for two years. Got rid of that car and was only a named driver on joint car for 2 years (so didnt increase my no claims in that time at all) Then got new 40grand, 2litre engine car and it was under £350 a year. Cheaper than my ancient granny car with not much extra driving experience at all.

^^only got first car 7 years ago

You’re insuring against your risk to other drivers. If you only passed in May, and are 25, then unfortunately, statistically, your risk to other drivers is significant, regardless of what car you drive.

I have 10+ years no claims, mine still goes up every year! When I changed my employment Status to sahp from ‘tutor’, my quote almost doubled until I added Dh (who does not have 10 years no chains I might add...), which just seems ridiculous!