The number of passenger cars in the Netherlands has grown strongly in recent years. So much so that the number of passenger cars is growing faster than the population of 18 years and older. Figures from Statistics Netherlands show that men between 65 and 75 years old are the most likely to own a car, namely almost 80%. That is remarkable, especially when you compare this to car ownership among women in the same age category. Among women, car ownership is highest among the 45 to 55-year-olds, but the 80% is far from being reached. Almost half, 50%, of the women in this age category have one car to their name. Overall, car ownership among the over-65s has grown the most in recent years compared to other age categories. Car ownership among young people up to the age of 30, on the other hand, has decreased slightly in recent years compared to previous years.  

Fewer young people with a car
Car ownership among boys and girls is the most comparable among young people up to the age of 25. Yet the young are generally underrepresented. Even men and women aged 90 or older are more likely to own a car than young people up to 25 years of age. Possible reasons for not having a car among young people and the elderly are that not everyone has a driving license (anymore), they have no money for a car or for both young and old it can be more difficult to insure a car . 

Influence of age on car insurance
Insurers apply a higher premium or a maximum age for new car insurance for risk consideration. According to figures from the Center for Insurance Statistics, insurers cannot simply state that seniors pose a greater risk. It turns out that older motorists between the ages of 66 and 75 do not claim more damage on their car insurance than drivers between 28 and 65 years old. If setting stricter conditions for seniors cannot be substantiated, you could say that there is age discrimination. Older people are less interesting for insurers, but that is no reason to use higher premiums. 

The higher the income, the more cars
Car ownership among private individuals is partly dependent on income. Thus, in the table it can be clearly seen that the higher the income, the more cars a person owns. Individuals in the highest income class, namely with a personal income of EUR 200 or more, therefore have the most cars. This is the age category from 000 to 30 years.

More elderly people with a car
Car ownership has increased most in the past five years among the over-80s. At the beginning of 2015, they had 324 cars per thousand inhabitants, at the beginning of 2020 this will be 375 cars. The car ownership of young people up to the age of 30 is slightly lower in 2020 at 283 cars per thousand inhabitants than at the beginning of 2015. Although car ownership in this age group was lower in 2020, the number of people in this age group increased. As a result, the share of cars that this group owned remained virtually the same. In both early 2020 and early 2015, 10 percent of private passenger cars were owned by a 30-minner. People over 80 own 9 percent of all private passenger cars. Five years earlier, this share was 7 percent. 30 to 65 year olds own 65 percent of all passenger cars. 

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