It is a legal requirement in Ireland to have Car Insurance if you want to drive your car in a public place and you must produce a current a motor tax certificate. Failure to have motor insurance when driving in Ireland is a very serious offence and drivers will incur fines, penalty points and may be disqualified from driving.
Car Insurance is about protecting other car drivers as opposed to the driver of the insured vehicle and it is not an optional extra. Insurance companies provide car insurance and unlike road tax, there is no such thing as a "standard" rate.
Young drivers represent a high risk for insurers and the cost of car insurance in this age group is considerably higher than for others.