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Car insurance for 17-year-olds

Get cheaper car insurance with MoneySuperMarket


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We compare dozens of the biggest insurance providers in the country, including:

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Why compare car insurance quotes for 17-year-olds with MoneySuperMarket?

Passing your driving test is a big occasion, and the excitement of getting your first car is like nothing else. To help you get on the road, we're here to make finding cheap car insurance easier - with MoneySuperMarket you can benefit from:

  • MoneySuperMarket discounts

    Everyone deserves to save money – in fact, almost a quarter of people comparing car insurance quotes with us received a MoneySuperMarket price cut in their results*

  • Renewal reminders

    Our car monitor gives you reminders on your road tax and MOT, as well as showing your MOT history and car valuation – helping you stay up to date, so you never miss a renewal

  • Support from our team

    Our live chat tool is there so our experts can guide you through the car insurance question set, offering tailored support during business hours to help you get the right policy for the right price

*24.43% of customers completing a quote through MoneySuperMarket received a price cut quote in their top 10 results. Based on MoneySuperMarket quotes between May 2021 and May 2022

How much does car insurance cost for 17 year olds?

Car insurance is more expensive for younger drivers, and people in the 17-to-19 age group almost always pay more than any other for cover.

However as you get older, your premiums should go down. These are the average annual cost of your car insurance in the UK if you are under 25 years old:


Third party only

Third party, fire & theft




Why is car insurance more expensive for 17 year olds?

Younger drivers - and teenagers in particular - pay more for car insurance simply because they’re statistically more likely to be involved in a road accident. Less experience on the road means you’re a higher-risk driver – so you’ll be more expensive for insurers to cover.

What types of car insurance are available for 17 year olds?

As a 17 year old your options for car insurance will be very much the same as any other age group, so you’ll have your choice between:

  • Fully comprehensive

    A fully comprehensive policy offers all of the above, as well as further cover for things like repairs and medical expenses. It’s also usually the cheapest of the three options

  • Third-party, fire and theft

    Third-party, fire and theft is the next level up, and adds cover for your car if it’s stolen or damaged by fire

  • Third-party only

    Third-party car insurance covers you against the cost of damage you cause to another person, their car or their property - but offers no financial protection for your own vehicle

What other costs are involved in getting my first car?

Aside from the car itself and your insurance premiums, owning a vehicle also involves other costs you will need to consider:

  • Car tax: Car tax is officially known as vehicle excise duty, and the amount you pay is based on the type of car you have and when it was registered

  • MOT: Your car will also need to undergo regular MOT tests to ensure it meets minimum standards for road safety and environmental friendliness

  • Fuel: Cars need energy, whether that comes in the shape of petrol, diesel or a charging point – and the more you drive the more you’ll need to spend on topping your car up

  • Servicing and maintenance: Like most mechanical and electrical things, cars need regular servicing and maintenance to keep it road-worthy  

  • Repairs: If your car is involved in a scrap and you can’t, or don’t want to, claim on your insurance policy – perhaps so you can accumulate a no-claims bonus – you’ll be faced with the repair costs yourself

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How can 17 year olds get cheaper car insurance?

While you might be facing the highest premiums relative to other age groups, there are still ways to cut the costs down:

  • 1

    Add a named driver

    Adding a more experienced driver to your policy tells insurers that responsibility for the vehicle isn’t solely yours, so they’ll see it as a reduced risk

  • 2

    Pick the right car

    Insurers categorise cars into insurance groups based on factors like size, performance, safety and availability of parts – those in higher groups are more expensive to insure

  • 3

    Consider a telematics policy

    Telematics cover is when your insurer uses GPS software to monitor your driving, and it’s a way for responsible young motorists to earn cheaper car insurance premiums by demonstrating good driving habits

  • 4

    Avoid unnecessary modifications

    Modifying your car will increase its repair costs, especially if the parts are expensive or hard to find. Some modifications also make your car more powerful, and therefore more at risk of an accident

  • 5

    Keep your car safe and secure

    Security measures like factory-fitted immobilisers and alarms, and keeping your car stored off the road in the night, can both contribute to lower premiums as the risk of your car being stolen or vandalised is reduced

  • 6

    Increase your voluntary excess

    Your excess payment is how much you’ll initially contribute to the cost of your claim before the insurance provider pays the rest, and volunteering a higher excess tells insurers you won’t bother with small or frivolous claims

Sara Newell

Our expert says


Young drivers have traditionally paid more for car insurance, but there are things you can do to get lower premiums. For example, telematics insurance offers the opportunity for young drivers to earn lower premiums through safe driving. Paying annually and choosing fully comprehensive cover can also help – but shopping around and comparing quotes is a quick and easy way to find a good deal.

- Sara Newell, Motor and Van Insurance Lead

One of the easiest ways to get cheap car insurance for a 17 year old driver is to compare prices with MoneySuperMarket. Our online service is free, independent and compares car insurance quotes available through the country’s leading insurers in a matter of seconds.

You’ll be able to sort through a list of deals tailored to your needs, comparing quotes by the overall annual and monthly cost, the coverage you’ll get, and the excess you’ll need to pay to claim. Once you’ve found the right deal, just click through to the provider to finalise your purchase.

Many experts recommend that teenage drivers improve their road skills with an advanced driving course. Your insurer may offer a discount if you have completed a recognised driving course – though this isn’t always the case – while it also increases your road safety knowledge.

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 ROPSA, the Institute of Advanced Motorists and the RAC also offer driving training.

If you don’t claim on your car insurance during the policy year, you can usually earn a discount on your premium, known as a no-claims discount. This adds up with each claim-free year, so you could knock 70% or more off your motor insurance premium if you don’t claim for five consecutive years.

You can also pay a little bit extra to protect your no-claims bonus, which normally lets you make a limited number of claims without losing the discount.

Many teenage drivers cannot afford their own car, so they drive their parents’ car and piggyback on their car insurance. But if you are lucky enough to have your own wheels, it might be a good idea to add your mum or dad to your policy as an additional named driver. Insurers are reassured by the presence on the policy of an older, more experienced motorist and it will probably result in cheaper car insurance for a 17 year old driver.

Technology can come to the rescue of 17 year old drivers in the form of black-box insurance. With this kind of policy, a tracking device is fitted to your car and records when, where and how you drive – and it can have a big impact on the cost of car insurance for 17 year olds.

A number of insurers now offer so-called telematics policies and it’s a good idea to compare prices as you may be able to save money.

If you cannot afford to pay your insurance premium in one lump sum, most insurers will let you spread the payment over monthly instalments.

However, you usually have to put down a deposit and there might be an admin charge for the convenience. You might also want to consider short term or temporary car insurance for 17-year olds. But beware continuous insurance enforcement, which basically means that you must insure your car even if it is off the road, unless you have a statutory off road notice from the DVLA.

Your excess payment is the amount you put towards the cost of a claim on your insurance policy before your provider pays out the rest. Insurers ask you to pay an excess fee to ensure you only claim when really necessary.

Excess payments are made of two parts – the compulsory amount, which is decided by your insurers, and the voluntary amount, which you can decide yourself. If you offer to pay more in voluntary excess, you’ll likely earn yourself cheaper premiums – as insurers will see the higher amount as an indicator that you won’t bother making small or frivolous claims.

However you should also be certain that you’ll be able to afford to pay the amount you choose, otherwise you may find yourself paying for an insurance policy you aren’t able to claim on.

You work hard to earn your money, and we don’t think you should waste a penny of it paying over the odds on your household bills. That’s why at MoneySuperMarket, we’re on a mission to save Britain money.

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