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