Price differences of more than €900 for car insurance premiums are being offered to the country's youngest drivers.
Analysis by the Competition and Consumer Protection Commission reveals six-out-of-eight firms would not even offer a quote to a 20-year-old student from Co Mayo driving a 1.2-litre 2006 Chevrolet worth €3,000. The driver has a full licence with under a year's experience.
Liberty offered a quote of €3,238 and AXA Insurance offered a price of €2,325 for comprehensive cover.
AIG, Allianz, Aviva, FBD, RSA Insurance Ireland and Zurich all refused to give a quote.
Similar discrepancies in prices are also evident for a 25-year-old teacher from Kilkenny driving a one-litre 2009 Nissan Micra, with three years' driving experience.
There was up to €500 difference in prices quoted for comprehensive insurance.
AIG was highest at €1,017 while Allianz offered the lowest at €467.