Car insurance for 17-year-olds

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Compare cheap car insurance for 17-year-olds

If you’re 17 or 18 and you’ve just passed your test, you’re no doubt looking forward to getting behind the wheel of your very first car. But car insurance can be expensive when you’ve such little experience under your belt. So, is it possible to find cheaper car insurance at 17 and 18?

Read our simple guide to finding the right car insurance deal and ways to help reduce your premium when you’re just starting out.

Why is car insurance more expensive for 17-year-olds? 

Insurance is based on risk levels, and statistically 17 and 18-year-old drivers are at a much  higher risk  of crashing than older age groups.   

Drivers aged between 17 and 19 were involved in 9% of fatal and serious crashes,  even though they only accounted for 1.5% of UK licence holders. And drivers under the age of 19 are a third more likely to die in a crash than drivers aged 40-49. 

According to road safety charity Brake, a combination of youth and inexperience put younger drivers at higher risk. Characteristics of many younger drivers can include: 

  • Over confidence 
  • Poor assessment of hazards due to lack of driving experience 
  • Risky behaviour  such as speeding, drink and drug driving, not wearing seat belts and using mobile phones while driving. 

What types of insurance are available to 17-year-olds? 

There are  three main options of cover  available, and they all offer varying levels of protection at different prices. Take time to consider which is the most suitable for you and compare a range of policies, as the most basic cover isn’t always necessarily the cheapest.  

  • Third party  is the minimum level of cover you need to drive legally. It covers you for any damage you cause to other people or their property. It will not cover any injury to you or damage to your car. 
  • Third party fire and theft  offers the same protection as third party, but also includes cover for the theft of your vehicle or damage by fire. 
  • Fully comprehensive car insurance  gives you all the above benefits, but will also protect you as a driver and will pay out for damage to your car. 

How can I get cheaper car insurance for 17-year-olds?  

While  young driver  car insurance isn’t always cheap, there are ways to help bring down the cost of your premium, including: 

  • Avoid car modifications  – cars with a new stereo system or alloy wheels are more attractive to thieves, so the  risk of theft is higher. Some insurance providers may refuse to insure a modified car, and those that do, will most likely charge much higher premiums. 
  • Add an experienced driver to your policy  – consider adding an older, more experienced driver to your policy if they’re planning on using the car too. It means you’ll be spending less time at the wheel, and the  risk of having an accident is reduced. This could help lower your premium. However, you must never put forward the more experienced person as the main driver if that isn’t actually the case. This is known as  car insurance fronting  and is illegal. 
  • Take an advanced driving course  – if you’ve passed your test in the last year, consider taking a Pass Plus course. It takes six hours to complete and teaches new drivers additional skills and how to drive safely. Some insurance providers may reduce your premium if you successfully complete a Pass Plus course. 
  • Consider a black box policy -  telematics  insurance  rewards you for driving well. A small device is installed in your car, or you can download an  app to your phone  that tracks aspects of your driving such as speed, acceleration, braking and cornering. Your insurance provider then uses this information to decide how well you drive. If you drive safely, your premium could be reduced. 
  • Choose your car wisely  – the more powerful and expensive your car, the higher your premium is likely to be. An older model with a smaller engine could get you a more reasonable deal on your insurance. Check out our top picks of the  cheapest cars to insure  and our  Young Drivers report  for more information. 
  • Park off the street  – if you can, keep your car on a private driveway or in a secure garage. If you leave it on the street, insurance providers consider it more likely to get damaged or stolen, so may raise your premium  shop around  – it pays to shop around and look at a range of policies before committing to one. 

What are the cheapest cars to insure for 17-year-olds?

While there are many factors that are used to calculate the cost of your car insurance, according to Compare the Market data, these models top our list for the cheapest cars to insure for 17 to 24-year-olds:

Model Average premium***

***Average price amount based on the top five quotes from Compare the Market data from 1 October 2020 to 1 January 2021. The average is based on all variations of the vehicle model and uses risk data from people with different age ranges, addresses and driving histories. You may find a cheaper or more expensive quote based on our circumstances.

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Frequently asked questions

How can my parents help me get cheaper car insurance?

At 17 and 18 years old, car insurance providers view you as a much higher risk, because you have minimal driving experience. By adding your parents, who will likely have been driving much longer than you have, to your policy, you’re reducing the time that you’re at the wheel, lowering the perceived risk by your insurance provider. 
Never add your parents to your policy as the main driver if that isn’t the case. This is known as car insurance fronting and it’s illegal. 

What is telematics insurance?

Telematics insurance, also known as a black box insurance policy, is a type of car insurance that uses telematics technology to monitor your driving. It will track your driving performance, including your speed, braking and more, to determine how safe a driver you are, and the risk you pose to your insurance provider. By proving you’re a safer driver, you could lower your car insurance premiums.   

Do driving courses reduce the cost of insurance for 17-year-olds?

The main reason that car insurance for 17-year-olds is so expensive, is because you are viewed as a much higher risk, deemed more likely to be involved in an accident and therefore need to claim. A great way to lower the cost of your car insurance, is to prove to them that you’re a better driver, and an advanced driving course qualification can help you do that. 
Many car insurance providers will offer you a discount if you hold a qualification such as Pass Plus, or one of the several other forms of advanced driving courses.  

Is it cheaper to spread the cost of car insurance?

There are pros and cons to either paying your car insurance annually or monthly. While spreading the cost of your car insurance through monthly payments can be useful for many, you’ll usually end up paying more overall. If you can afford to pay it annually, in one lump sum, you’ll normally find you save money on your car insurance. 
If you can only afford (or need) insurance for part of the year, you could consider temporary car insurance. However, you’ll typically find that this is more expensive by comparison of a permanent monthly rate. By interrupting your cover on a temporary basis, you’ll also be unable to build a no claims bonus.

Where can I compare car insurance for 17 and 18-year-olds?

We independently compare a variety of the UK’s most trusted car insurance providers to provide great-value car insurance for 17 and 18 year old drivers.  

We’ll show you policies based on price, policy cover level, add-ons and annual or monthly payment terms - helping you compare policies based on your needs.  

Compare car insurance quotes in minutes to see if you can save.