Car insurance for 17 year olds


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Cheap car insurance for 17 year olds

If you’re 17 years old and you’ve just passed your test, you’re no doubt looking forward to getting behind the wheel of your very first car. But before you hit the road, make it a priority to find a great deal on your car insurance. Because we understand that insurance for new drivers can be a confusing and expensive business, we’ve put together an essential guide to help you find a cheap car insurance policy for you.

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Why is car insurance for 17 year olds so expensive?

Young, inexperienced drivers have a higher risk of crashing than older drivers. Take a look at the statistics. Almost a quarter of all 18 to 24 year olds are involved in a crash inside the first two years of driving. And drivers between 17 and 19 are involved in 12% of fatal and serious crashes, even though they only make up 1.5% of UK licence holders. This, along with the fact you have no driving history, is why car insurance premiums for you tend to be higher than those of an experienced driver.

How can I reduce the cost of 17 year old car insurance?

There are a number of ways to reduce the cost of your premium, from choosing a suitable car to proving that you’re a safe driver.

Add another driver to your policy

Consider adding an older, more experienced driver to your policy if they’re planning on using the car too. As you’ll be spending less time behind the wheel, your chances of having an accident are reduced so your insurance provider could cut 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 illegal and it’s known as fronting, which is a type of fraud. 

Take an advanced driving course

Pass Plus course takes at least 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. 

Consider a telematics policy

Telematics insurance, or black box insurance, rewards you for driving well. A small device is installed in your car, or you download an app to your phone, which tracks aspects of your driving, such as your speed, acceleration, braking and cornering. Your insurance provider then uses this information to decide how you drive. If your drive safely, your premium could be reduced.

Secure your car

Some insurance providers take into consideration where your vehicle is parked when you’re not driving it. If you keep your car on a driveway, it could be cheaper to insure than one that’s parked on the street as there’s less chance of it being stolen. If this isn’t an option, installing approved security equipment, such as a car alarm, may reduce the cost of your insurance.

Choose your car wisely

When you’re looking to buy your first car, check how much your insurance will be before you buy it. As a general rule, more powerful or expensive cars will cost more to insure. For example, if you’re aged between 17 and 24, the average cost to insure a Corsa would be £1,297.61** a year. Insuring an Astra would set you back £1,506.58** a year, which is about 16% more. See our young driver’s report and cheapest cars to insure pages for more information.

Which type of car insurance cover is right for me?

There are three main types of cover available. Take time to consider which is the most suitable to you.

Third party covers you for any damage you cause to other people and their property.

Third party fire and theft offers the same protection as a third party policy, but it also includes cover for the theft of your vehicle or damage by fire.

Comprehensive includes all the cover of a third-party fire and theft policy, but will pay out for any damage or injury caused to you or your car in an accident.

Why compare 17 year old car insurance with comparethemarket.com?

We independently compare over 100 of the UK’s most trusted car insurance companies to provide cheap car insurance for 17 year olds.

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

And that’s not all… Buying car insurance through comparethemarket.com means you get MEERKAT MOVIES*. This will give you 2 for 1 cinema tickets on Tuesdays or Wednesdays, every week, for a whole year.

** All average price amounts based on comparethemarket.com data from August 2016 to January 2017. You may find a cheaper or more expensive quote based on your personal circumstances.