10 cheap cars to insure for 17-year-olds and young drivers
While getting a new car as a young driver or someone who’s just passed their test is one of the best feelings in the world, it can also be quite a daunting thing to do, financially.
On top of your monthly finance payments, or the lump sum payment if you’re buying a new car outright, you’ll need to pay for car insurance (as well as road tax) to be able to drive it on UK roads in the first place. And there’s no getting out of it because it’s a legal requirement.
How much is car insurance for young drivers?
Unfortunately, car cover for 17-year-olds and new drivers can be very expensive; it can be well over £1,000 per year for many young motorists.
While this may seem unfair, the cost of car insurance is mainly based on the level of risk that the driver poses, and in the eyes of car insurers, younger drivers are more at risk of having an accident and making a claim due to their lack of driving experience and statistically, due to a range of other factors like using a mobile phone while driving and speeding - no matter how safely you intend to drive!
There are, however, many things you can do to try and reduce the cost of cover; the main one being to compare quotes online to find the cheapest deal.
If you haven’t got a car to drive in yet, we highly recommend looking to get a car that is cheap to insure, as insurers tend to offer much cheaper premiums for cars that are cheap to run and have small engines.
What are the best cars for young/learner drivers that are cheap to insure?
Thankfully, Admiral has done the hard work and compiled a list of the most affordable cars to insure in 2021 for drivers between the ages of 17 and 25 (based on data from Janurary and March 2021):
10 low insurance cars for young drivers
|1. SEAT Mii||£431.36|
|2. Volkswagen up!||£433.92|
|3. Skoda Citigo||£442.67|
|4. Citroen C1||£449.69|
|5. Ford Puma||£462.49|
|6. Ford KA||£464.72|
|7. Vauxhall Viva||£466.72|
|8. Fiat 500||£467.28|
|9. Suzuki Alto||£468.94|
|10. Peugeot 107||£474.58|
According to Confused.com, the average premium for a 17-year-old is £1,249, whereas MoneySuperMarket states a lower average of £752 for drivers aged between 17 and 19, but a higher average for motorists aged between 20 and 24; £1,010.
Considering these high estimates, the above table shows that car insurance can be as much as 50% cheaper if you have one of the listed cars.
Of course, it’s worth bearing in mind that premiums differ between drivers as the cost all depends on the overall risk that they present to the insurer, but Admiral’s data definitely suggests that low cost cars result in low cost cover, so we’d highly recommend purchasing one if you want to save a substantial amount of money.
You might like: Cheap car insurance for first-time drivers
What about cheap cars for young drivers over 25?
It is commonly known that the older you get, the cheaper your car insurance becomes - provided you have not made any claims (no claims bonus), acquired any driving convictions or just passed your driving test (as you’ll be considered a new driver regardless of age).
While being aged under 30, of course, still considered to be young, in the eyes of insurers, you now have plenty of years’ experience under your belt (especially if you started driving at 17), so you are no longer a high risk in terms of age.
Admiral has also identified the top 10 cheapest cars for drivers aged over 25:
|2. Land Rover 90||£254.97|
|3. Jaguar XKR||£280.94|
|5. Ford KA+||£294.00|
|6. VW California||£296.35|
|7. Volkswagen up!||£299.18|
|8. Kia Stonic||£303.15|
|9. Fiat 500C||£303.94|
|10. SEAT Mii||£310.75|
If you are a young driver thinking of getting one of the above cars, you might want to wait until you have a few years’ driving experience under your belt before doing so if you want to avoid facing more expensive premiums.
Learn more: Cheap car insurance for new drivers over 25
Other ways to save on car insurance as a young driver
As well as getting a cheap car to insure to save on costs as a new driver, there are other things you can do to lower the cost, such as:
- Get a black box insurance policy (telematics cover)
- Have a named (more experienced) driver put on your policy, such as a parent (but you must drive the car more than they do)
- Pay for an annual policy (you’ll be charged interest if you pay monthly)
- Opt to pay a higher amount of excess in the event of a claim (but an amount you’d be able to afford)
- Get security devices for your car, such as a dash cam
- Try to park your car in a safe place overnight and during the day
For more tips on cutting the price of cover, read our 10 tips.
Of course, the other main way to save money on cover is to compare quotes, which you can do with Bobatoo for free today:
And remember, most providers will auto-renew your policy at the end of the year but this will cost you more - so be sure to compare quotes about 1 month before your policy is due to renew/expire (unless your existing company is willing to drop the price of your auto-renewal!).
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