Car insurance for 17 and 18-year-olds


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Frequently asked questions

  • Why is car insurance so expensive for 17 and 18-year-olds?
  • What types of insurance are available to 17 and 18-year-olds?
  • How can I reduce the cost of car insurance for 17 and 18-year-olds?
  • Where can I compare car insurance for 17 and 18-year-olds?

Why is car insurance so expensive for 17 and 18-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 are involved in 9% of fatal and serious crashes even though they only account 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 and 18-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 reduce the cost of car insurance for 17 and 18-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 – such as 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.

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

We independently compare over 90 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.

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