How to get cheap car insurance at 17-years-old - Top tips

How to get cheap car insurance at 17

Passing your driving test at a young age can come with many incredible advantages; it gives you ample freedom to drive places that you want to go, it’s an incredible skill to have and it can sometimes make you even more desirable when it comes to being hired for a job that requires you to have a driving licence.

However, as a young driver, you will also suffer from the hefty cost that often comes with car insurance for 17-year-olds. The jump from paying for learner driver insurance to paying for a regular car insurance policy as a new driver can be quite extortionate.

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Therefore, we’ve put together this guide which will provide you with everything you need to know about finding cheap car insurance for teens, what you can expect to be paying for car insurance as a young driver and some of the cheapest cars to insure for 17 year olds. 

What is the average car insurance cost for a 17-year-old?

According to the Consumer Intelligence car insurance price index, the average cost of car insurance for a 17 year old is £1,912 a year. Wow!

Why is car insurance for young drivers so expensive?

Car insurance is often more expensive for young drivers due to a number of factors.

One of the main reasons that most young drivers, particularly those who are still teenagers, pay more for their car insurance is because they are statistically deemed as more at risk of being involved in a car accident. This is because they have less experience driving than people who have been driving for ten years, for example.

It’s thought that drivers aged between 17 and 19 are involved in 9% of road traffic accidents, despite making up only 1.5% of UK driving licence holders. Therefore, due to lack of driving experience, plus other factors such as driving while using their mobile phones, not wearing a seatbelt and carrying passengers (which is more likely to lead to distractions while driving), young drivers suffer by paying more for their car insurance premiums.

Can I spread the cost of car insurance?

Spreading the cost of your car insurance is also known as no deposit insurance and it can help you to manage the cost of paying for things like insurance.

However, no deposit car insurance isn’t an actual ‘thing’, it’s just something that car insurers use to allow you to pay for your car insurance in monthly installments.

Where possible, it’s best to avoid paying for car insurance in this way as you’ll likely end up paying more for your policy due to interest rates that you’ll be charged each month. Try opting for an annual policy if you can, as this will save you money in the long-run.

Can adding my parents lower the cost of car insurance?

Adding your parents to your car insurance policy can help to lower the cost of your car insurance as they will have more experience with driving, which means you’ll likely be driving less and therefore you’ll reduce the perceived risk of being involved in an accident.

However, it’s important to not name your parents as the main driver if they’re actually not; this is known as car insurance fronting and is in fact illegal, so you could face criminal charges if you’re found to be guilty of this. Instead, just add your parents as a named driver to your policy, with you as the main driver.

You might like: The implications of being a named driver

How to get cheap car insurance as a 17 year old

While car insurance for 17-year-olds is always likely to be pretty high due to the added risk of being an inexperienced driver, there are several things you can do to try and get cheaper car insurance as a young driver. We've listed them below.

Black box car insurance

Also known as telematics policies, Black Box car insurance helps to reduce the cost of your car insurance by fitting a box (telematics device) to your car which monitors your driving habits and analyses things like your speed, acceleration and your overall driving performance.

Based on how well you drive, your insurer will then determine the cost of your car insurance premium. So, the better and safer you drive, the cheaper your car insurance is likely to be.

Pick a relatively affordable car

It goes without saying that the cheaper the car you have, the more affordable your car insurance will be. It’s no good trying to insure a Lamborghini as a 17 year old as the cost of your car insurance will be extortionate. 

Read more: 10 of the cheapest cars to insure

Always keep your car as safe and secure as possible

This is another fairly obvious point, but ensuring that your car is locked at all times and always parked in a safe and secure location is paramount to ensuring that you benefit from a cheaper policy as it means you’re less likely to need to make a claim.

Consider increasing your voluntary excess

This should only be done if you can afford to pay the voluntary excess if you have to make a claim, but if you’re confident that you’ll be able to, then increasing your voluntary excess can help to reduce the overall price of your insurance premium.

Learn more: A complete guide to insurance excess

Avoid modifying your car

Many young drivers like the thought of modifying their new car, but this could actually prove to shoot up the price of your car insurance, so it’s best to avoid modifications if you want to keep car insurance costs as low as possible.

Where can I compare car insurance for 17 year olds?

Websites such as MoneySuperMarket, CompareTheMarket and Confused.com are all places where you can compare car insurance for 17 year olds in order to find the best deal for you.

Which cars are cheapest to insure for 17 year olds and new drivers?

Some of the cheapest cars to insure for 17 year olds include:

  • Volkswagen Up!
  • Renault Clio
  • Citroen C1 Splash
  • Fiat 500
  • Kia Picanto
  • Toyota Aygo
  • Ford KA

Finding cheap car insurance at 17 will involve a lot of research in order to find the best policy at the right price. Take a look at our guide below for more information and advice, or tap the button to compare car insurance quotes:

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