Fully comprehensive
Fully comprehensive car insurance is the top level of cover. It covers damage to your own vehicle from road accidents, theft, or fire, as well as cover for third party accidents.
Car insurance for 17-year-olds
Compare cheap car insurance for 17-year-olds
Earn up to £15 with SuperSaveClub
How much does car insurance cost for 17 year olds?
These are average prices for MoneySuperMarket customers aged 17-19.
Your own car insurance quotes may be higher or lower, depending on your individual circumstances.
Fully comprehensive
£1442
.93^
Third party, fire and theft
£1659
.90^
Third party only
£937
.60^
Why is car insurance more expensive for 17 year olds?
Younger drivers - and teenagers in particular - pay more for car insurance mainly because they’re statistically more likely to be involved in a road accident. To an insurance company, anyone with less driving experience is likely to be a higher-risk driver so they will ramp up the cost of cover.
📣 Did you know? In 2023, around a fifth of all killed or seriously injured casualties from collisions involving cars were in collisions which involved a young car driver, according to the latest Department for Transport data.
The price of your car insurance will also be affected by factors like:
Your occupation
The value and age of your car
How many miles you drive each year
Where you live (based on statistics like the crime rate in your area)
Where your car is kept overnight
What are the cheapest cars to insure for 17 year olds?
Small, low-powered cars are usually the cheapest cars to insure for 17 year olds.
That’s because these types of cars fall into the lowest car insurance groups. Cars are divided into insurance groups from 1 to 50, based on factors such as:
The car’s value
Cost and length of time to repair
Safety and security features
The top five cheapest cars to insure for new drivers
Vehicle model | Average annual cost |
|---|---|
VOLKSWAGEN UP! MOVE UP | £698 |
FIAT 500 S | £775 |
HYUNDAI I10 SE | £812 |
PEUGEOT 108 ACTIVE VTI 68 | £817 |
FIAT 500 LOUNGE | £838 |
What car insurance is best for 17 year olds?
As a 17 year old, the best type of insurance will depend on your budget and personal circumstances.
If, for example, you rely on your car to get to college or work you might want to look for a policy which includes courtesy car cover so if your vehicle is off the road being repaired you can still travel easily.
There are three main insurance types to choose between:
How can 17 year olds get cheaper car insurance?
Add a named driver
Adding a more experienced driver, such as one of your parent’s, to your policy can reduce the overall risk and may lead to a lower insurance premium.
Number of named drivers | Average saving |
|---|---|
2 | £103.08 |
3 | £118.83 |
4 | £152.73 |
Consider Pass Plus
The government-backed driving course, Pass Plus, which is aimed at new drivers, can lead to safer driving habits and potentially lower premiums over time.
Pick the right car
Insurers categorise cars into insurance groups, choosing a car in a lower insurance group will help cut costs.
You can see which group your car is in with our car group checker tool.
Consider telematics insurance
Having a black box or telematics device in your vehicle that shows your insurer how safely you drive and what time of day you drive could help reduce premiums.
Avoid modifications
Modifying your car by changing its wheels, adding a towbar or making another change to its original specification could increase your premiums.
Improve your car’s security
Parking your car in a garage rather than on the street, if possible, or fitting security measures, such as a Thatcham-approved car alarm, can contribute to lower premiums.
Increase your voluntary excess
Your excess payment is how much you agree to pay towards the cost of each claim. Agreeing to pay more will lower your premium but make sure your excess amount is affordable for you.
Don't overestimate your mileage
Try to accurately work out how many miles you're likely to drive over the course of your policy term. You can use our mileage calculator to help you.
If you're on the road less, your premiums are likely to be lower too.
Pay annually
It usually works out cheaper if you’re able to pay your car insurance premiums in one go, rather than spreading the cost over 12 months and paying interest.
On average, you can save 12.60%
Compare quotes
Shopping around is the best way to find a deal that suits your needs and budget.
MoneySuperMarket can do the hard work for you. With our price comparison tool you can compare quotes from 186
What add-ons should I consider?
Although you’ll want to keep your insurance costs to a minimum, some add-ons may be worth considering:
-
Breakdown cover
Helps pay for roadside assistance if you break down. It can also include cover for a courtesy car.
-
Motor legal protection
Covers legal fees you might face related to a car insurance claim.
-
Personal accident cover
Offers a pay out should you be injured or killed in a road accident.
Our expert says…
It’s a myth that if you take out telematics insurance your insurer will impose a curfew - most insurers don’t. However, regularly driving at night, when more accidents occur, could negatively impact your telematics score and ultimately your premium.
Sarah Tooze Car & Van Insurance Expert
Other car insurance options for 17 year olds
-
Telematics insurance
Pros
Usually more affordable than standard insurance for young drivers
Telematics feedback may improve your driving
Technology cost is covered by the insurer
Data can be used to dispute false claims
Tracking device can help recover stolen cars
Cons
There may be mileage or time restrictions
You may have to pay to fit or remove the device
You may need to stay with the same provider to get the benefits
-
Short-term car insurance
Pros:
Good for specific occasions like driving lessons or practice sessions
Pay for insurance only when you need it so it’s more affordable than traditional annual policies
Cons:
More limited coverage than annual policies
Cost for 17 year olds can still be relatively high due to the higher risk associated with young drivers
-
Becoming a named driver on someone else's policy
Pros:
Likely to be cheaper than taking out your own separate policy
You will have the same level of cover as the main driver
Cons:
You may not be able to build up your own no-claims bonus (depending on the insurer)
Likely to increase the premium for the existing policy holder
Insurer might require a named driver to be certain age or have a number of years’ experience
There may be an admin fee
Why should I compare 17-years-old car insurance with MoneySuperMarket?
Comparing quotes from different insurers allows you to find the best deal out there.
We can do this work for you.
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What other costs are involved in getting my first car?
Car tax: Car tax, officially known as vehicle excise duty (VED), is an annual amount you pay to use public roads. It’s based on the type and make of car you have and when it was first registered
MOT: An MOT test is an annual legal requirement to drive in the UK if your car is three years old or more. It checks that your vehicle meets road safety and environmental standards.
Fuel or electricity: You’ll either need to pay for petrol or diesel at forecourt prices or, if you opt for an electric vehicle, consider the cost of fitting a home charging point and an overnight electricity tariff or the cost of charging at public chargers.
Servicing and maintenance: Cars need regular servicing and maintenance to keep them safe and road-worthy.
Repairs: If your car is involved in an accident and you can’t, or don’t want to, claim on your insurance – perhaps so you can build up a no-claims bonus – you’ll be faced with the repair costs yourself
Do driving courses reduce the cost of car insurance for 17 year olds?
Yes, your insurer may offer a discount if you have completed a recognised advanced driving course – though this isn’t always the case.
The Driving Standards Agency’s Pass Plus scheme is perhaps the best known of these and is specifically aimed at new drivers. But organisations such as RoSPA, IAM RoadSmart and the RAC also offer driving training.
In the long term, improving your road safety knowledge could make you a lower risk driver and reduce your premium.
Can my parents help me get cheaper car insurance?
Yes, adding your mum or dad to your policy as an additional named driver can result in cheaper car insurance as the presence of an older, more experienced motorist reduces your overall risk.
Is black box insurance a good choice for young drivers?
Yes, as it:
Can potentially lower premiums: Safe driving habits with the black box monitoring can lead to significant discounts on premiums, making car insurance more affordable for young drivers
Encourages safe driving: Since the box tracks behaviours like speeding and harsh braking, it can incentivise new drivers to develop safe habits
Can I spread the cost of car insurance?
Yes, if you cannot afford to pay your insurance premium in one annual lump sum, you can opt to pay your insurance monthly.
Doing this is more expensive than the annual payment as you will be charged a small interest fee on your monthly payments.
What is excess and how much should I pay?
Car insurance excess is what you pay upfront for any claim. It has two parts: a fixed insurer amount and your chosen voluntary amount. Choosing a higher voluntary excess lowers your premium, but make sure you choose an amount you can afford when needed.
Is car insurance for 17 year olds compulsory?
Yes, you need third party insurance as a minimum to legally drive on UK roads.
Can someone who's 17 be added as a named driver on someone else's policy?
Yes, anyone can be added to a policy as a named driver. However, if that person is actually the main driver of the vehicle then you may be committing a type of insurance fraud known as fronting.
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At MoneySuperMarket, we want to give you clear, accurate and trustworthy information so you can make confident financial decisions for your circumstances.
Every page on our website goes through a careful editorial process before it is published. It’s written or reviewed by one of our experienced experts, checked for accuracy, and updated regularly to reflect the latest information.
We do use AI tools to support our research and drafting, but a human editor is always in the loop to review, fact-check and approve everything before it’s published, so you can trust that what you’re reading is both reliable and up to date.
You can read more in our editorial guidelines.
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Our comparison service is, and will always be, free to use.
Why should I use a price comparison website?
One of the best ways to get the lowest prices and best deals is to compare quotes from different companies. We do the work for you, comparing quotes side-by-side and giving you all the information you need so you can choose the right deal for your needs and your wallet.
We don’t give recommendations or financial advice, but we give you clear information so you can choose financial products that suit your circumstances.
Does MoneySuperMarket work with all the providers on the market?
No, not every company can be included in our service. This is because some companies don’t want their products included on comparison sites, and some decide that they would rather not pay a fee. There are also a few smaller providers who can struggle to cope with the volume of customers that can find their products if they appear on MoneySuperMarket.
Our goal is to search deals from as wide a range of companies as possible so that you can choose the deal that suits you.
Is car insurance eligible for SuperSaveClub and rewards?
Yes, you can earn SuperSaveClub rewards when you buy car insurance through MoneySuperMarket.
This includes:
Up to £15, which you can withdraw as a pre-paid Mastercard or a gift card for brands like Sainsbury's and Amazon.co.uk
Free Days Out pass (worth £180), which gives free entry to a range of UK attractions
Cashback of up to 10% when you spend at brands including eBay, Just Eat and Argos
To earn SuperSaveClub rewards on purchases you must:
Sign up to SuperSaveClub (it's free)
Be signed in to your account when you make the purchase
More information can be found on our SuperSaveClub homepage.
Is car insurance eligible for Price Promise?
Yes, car insurance is included in our Super Save Price Promise.
If you buy through us then find the same deal for less we will:
refund the difference
give you a gift card worth up to £20
Terms and conditions apply. More information can be found on our Price Promise page.
Reviewed on 24 Dec 2025 by
SuperSaveClub restrictions and T&Cs apply. Click here for details.
Based on the median annual price of car insurance policies sold through MoneySuperMarket between August 2025 and October 2025 for policyholders under 21s with more than 49 sales in the period.
Based on the median annual price of car insurance policies sold through MoneySuperMarket between August 2025 and October 2025 for policyholders under 21s with more than 49 sales in the period.
Based on the median annual price of car insurance policies sold through MoneySuperMarket between August 2025 and October 2025 for policyholders under 21s with more than 49 sales in the period.
Based on the median annual price of car insurance policies sold through MoneySuperMarket between August 2025 and October 2025 for policyholders under 21s with more than 49 sales in the period.
Based on the median annual price of car insurance policies sold through MoneySuperMarket between August 2025 and October 2025 for policyholders under 21s with more than 49 sales in the period.
Based on Car Insurance enquiries on MoneySuperMarket between 2025-01-01 and 2025-04-01 where the quote was for comprehensive covertype.
Based on Car Insurance enquiries on MoneySuperMarket between 2025-01-01 and 2025-04-01 where the quote was for comprehensive covertype.
Based on Car Insurance enquiries on MoneySuperMarket between 2025-01-01 and 2025-04-01 where the quote was for comprehensive covertype.
Based on Car Insurance enquiries on MoneySuperMarket between 2025-01-01 and 2025-04-01 where the quote was for comprehensive covertype.
Based on Car Insurance enquiries on MoneySuperMarket between 2025-01-01 and 2025-04-01 where the quote was for comprehensive covertype.
Accurate as of 24 December 2025.
YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from “Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).
SuperSaveClub restrictions and T&Cs apply. Click here for details.
Based on 1 visit per month – average ticket value £15.30 (Oct 24)
T&Cs and restrictions apply, see here for more information
T&Cs and restrictions apply, see here for more information
T&Cs apply, click here for more information
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in October 2025.
Based on the median annual price of third party, fire & theft car insurance policies sold through MoneySuperMarket in October 2025.
Based on the median annual price of third party only car insurance policies sold through MoneySuperMarket in October 2025.