Motorists are being hammered by a £100 hike in car insurance, a study has revealed.
Drivers are now paying an average of £838 compared with £737 a year ago.
And there is a gender gap in favour of women who pay around £116 less than men who are deemed a higher risk on the roads.
According to research by website Confused.com, men have twice as many motoring convictions and are more likely to drive more powerful cars up to 2000cc while women plump for 1200-1600cc.
The survey found experience was no longer a positive factor as drivers aged 61 were shelling out 23% more year-on-year while 21-year-olds also saw their premiums rise by 19%.
On average, newly qualified 17-year-olds were the hardest hit paying an average of £2,272 a year for car insurance.
Amanda Stretton, motoring editor at Confused.com said: "With car insurance costs rising by 65% over the last decade and 14% in the last year it's no wonder drivers are dreading their next renewal date.
"Worryingly, there is every possibility that car insurance prices will be the most expensive on record during the first half of next year.
"Luckily, insurers are required to show drivers what they paid for their car insurance last year at point of renewal."
According to the price comparison site, drivers can save up to £289 by shopping around for car insurance.