Glossary term
Age band
Age band: The age grouping an insurer uses to set base rates. Youth bands (16–24) carry the highest factors; most insurers step down at 19, 21 and 25.
Where this term matters
Guides and entries on this site that use the term.
Guide
How Fast Car Insurance Rates Drop for New Drivers
The year-by-year path from a first-policy premium to a normal one: inexperience factors, age bands, and the renewals where comparing pays most.
Entry
New Driver Insurance Cost by Age
How much new drivers pay at 16, 17, 18, 21, 25 and beyond, and how the age and inexperience components separate.