Yeah it absolutely depends, I've seen a lot of calculation models so please don't take anything I wrote above as advice, was just trying to show a different sid

Yeah it absolutely depends, I've seen a lot of calculation models so please don't take anything I wrote above as advice, was just trying to show a different side. FWIW, for me it was: car insured with parents until I was like 23 I think, and those first 4-5 years were cheaper by A LOT. And then I could still claim my "no accident/damages in 5 years" fee reduction, although maybe not as much as I could've gotten. But money was a bit tight, so it wasn't really a question of "will this save me something in 10 years" more like "I prefer to have a car (first own, cheap one)" over "nope, no car".