Car insurance for 17-year-olds

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How much does car insurance cost for 17-year-olds?

Mainstream insurers usually offer car insurance for 17-year-olds at sky-high premiums, if at all. In fact if you’re aged 17 to 19, a fully comprehensive policy would cost you on average £1,036 – but this goes down the older you get:

  • £940 at 20 to 24
  • £715 at 25 to 29
  • £536 at 30 to 39*

It might seem unfair, but these premiums have traditionally reflected the higher rate of accidents among younger drivers.

*According to MoneySuperMarket data collected in July 2019

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Why is car insurance more expensive for 17-year-olds?

Car insurance providers generally see younger or less experienced drivers as having higher likelihood of making a claim, which stands to reason. In 2017, drivers aged 17 to 19 had the highest percentage of casualties (47%) in road accidents of all age groups.*

Additionally, only 7% of all UK driving licence holders in 2016 were under 25 – but they were involved in almost a quarter of all fatal road accidents.**

*Data collected by The Department of Transport in September 2018, accurate as of July 2019

**Data collected by The Department of Transport in May 2018, accurate as of July 2019

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How can I get cheaper car insurance as a 17-year-old?

While premiums are generally higher for 17-year-olds, you can help reduce the cost by:

Picking the right policy

Due to their popularity in recent years,
comprehensive policies have become
the cheaper option for car insurance –
especially for younger drivers

Adding an experienced driver

Adding a named driver, usually a parent
or guardian, can bring premiums down
as having an experienced driver on the
policy offer assurance to insurers

Take driving courses

Advanced courses can improve your
driving skills and road safety, and many
insurers offer lower premiums if you’ve
taken a recognised driving course

Choose a sensible car

Car insurance groups are decided by a
range of factors including performance,
safety, and security – cars in lower
insurance groups are usually cheaper to insure

Try black-box insurance

Black box or telematics insurance allows
your insurer to monitor your driving
habits, and the better you drive the lower
your premiums are likely to go

How can I find cheap car insurance quotes for 17-year-olds?

One of the easiest ways to get cheap car insurance for a 17-year-old driver is to compare prices through 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.

Do driving courses reduce the cost of car insurance for 17-year-olds?

Many experts recommend that teenage drivers improve their road skills with an advanced driving course. Many insurers offer discounts to drivers who have completed a recognised driving course, 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.

How does my no-claims bonus affect my car insurance?

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.

Can my parents help me get cheaper car insurance?

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.

What is telematics or black box insurance?

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.

Can I spread the cost of car insurance?

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.

How can I get cheaper car insurance for 17-year-olds?

There are a number of other ways to get a cheaper car insurance quote:

  • Choose your car with care: Insurers rate each make and model into one of 50 car insurance groups – and the cars in group one are cheaper to insure than the cars in group 50.
  • Keep your car safe and secure: Fit your car with an approved security device, such as an alarm or an immobiliser, and try to keep the vehicle in a locked garage overnight. If your car is secure it is less likely to be stolen, so your insurer should charge less for cover.
  • Pay more excess: This is the amount you have to pay towards each claim. If you agree to a higher voluntary excess, the insurer will usually lower the premium. But make sure the figure is affordable otherwise you could end up in financial difficulty.  

For more ideas on how you could lower the cost of car insurance for 17-year-olds, visit our money-saving tips page.

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