Car insurance for people aged 17-25 is often staggeringly expensive as they are considered to be more of a risk on the road due to a lack of driving experience.
Of course, older drivers may have only just passed their driving test in their late forties for example, but typically speaking, younger drivers are often charged much higher premiums.
Young drivers, especially if they’re only 17 and have just passed their test are more likely to take risks due to lack of experience on the road. The fact that they are considered to be more reckless and possibly less likely to spot hazards on the road, all contributes to the high price that they have to pay for car insurance.
While it may seem unfair that younger drivers have to pay more, it is something that you will face when insuring your car as a 17 year old driver.
Average price of car insurance for 17 year olds:
- Fully comprehensive – £1,178.999
- Third party, fire and theft – £1,535.87
- Third party only – £2,299.36
|Car insurance provider||Additional excess||Policy types||Available discounts|
|Aviva||Up to £300||TPFT (third party, fire & theft) and Comprehensive||20% online, no claims & multi car|
|Direct Line||Up to £400||Comprehensive & TPFT||No claims and multi car|
|RAC Car insurance||Up to £400||Comprehensive & TPFT||No claims and multi car|
|Admiral||Up to £250||Comprehensive & TPFT||No claims and multi car|
|By Miles||N/A||Comprehensive||No claims|
The table below shows the best car insurance for 17 year olds.
Aviva are one of the leading providers of car insurance, and they offer great deals and benefits to people aged 17 who are looking for a more affordable policy.
With 5 star ratings and excellent customer reviews, it’s not hard to see why they’re a favourite when it comes to insuring young drivers’ cars.
24/7 claims helpline
Aviva are fully aware that it can be fairly daunting when you get your first car and are responsible for paying for car insurance.
Therefore, they offer a team of expert professionals who are on hand 24/7 in order to assist you with any questions or queries you may have.
Receive 20% off
One of the amazing selling points of Aviva is that they offer a 20% discount when you buy your car insurance policy for a 17 year old online.
Furthermore, you can enjoy 20% off with their MultiCar insurance which means you could save even more money if your parents want to insure their car with Aviva too!
Direct Line are extremely proud of their Defaqto 5 star rating for their excellent car insurance. They’re one of the very best car insurance providers in the business and are a great option for first time drivers.
They offer both comprehensive and third party, fire and theft policies as well as a number of discounts that you can benefit from when you buy your car insurance through Direct Line.
Black Box insurance
One of Direct Line’s USPs is that they offer a policy called Black Box insurance for young drivers aged below 25.
They use telematic technology to monitor your driving skills, which could potentially save you money in the long run.
Save with multi car insurance
If you’re looking to save even more money, then you may want to consider Direct Line’s multi car insurance.
If you plan on insuring more than one car that’s registered under the same address, then you can benefit from saving money on each additional policy that you add.
RAC are recommended by nine out of ten people for their incredible policies and amazing savings available to the likes of 17 year olds who are looking to insure their first car.
They also have many different types of car insurance available including Black Box, Classic and multi car insurance, amongst others.
Similarly to Direct Line, RAC also offers young drivers the opportunity to save money with their Black Box car insurance.
With RAC’s Black Box insurance you can choose your own annual mileage allowance, there’s no installation fees to pay and you’ll even benefit from their uninsured driver promise which protects you in the event of your car being hit by someone who’s uninsured.
As well as being an insurance provider with a Defaqto 5 star rating, RAC are also award winners for their customer service.
In both 2017 and 2018, RAC were voted as the ‘Consumer Intelligence’ winner by Trust.
Admiral have one of the lowest excess fees to pay for young drivers.
They also offer fully comprehensive and third party, fire and theft policy types, as well as numerous discounts to help you save even more money on your car insurance.
‘Best Car Insurance Provider’
For the fifth year running, Admiral have been voted as the ‘Best Car Insurance Provider’ at the Personal Finance Awards.
This is obviously a true testament to their impeccable customer service and their great car insurance policies.
No claims and multi car discounts
With car insurance being so expensive for 17 year olds, it’s always a huge bonus when you’re able to save as much money as possible and that’s exactly what Admiral helps you to do.
With their no claims discounts and multi car policies, you’ll be able to make your car insurance more affordable.
By Miles is a popular car insurance choice for many people as they operate on a ‘by miles’ policy, meaning that you have a fixed annual cost for your car, and then you get your own unique per-mile rate to cover your driving.
This means, the less you drive, the less you pay for your car insurance. So, if you’re not planning on doing lengthy trips as soon as you pass your driving test, this could be the perfect car insurance option for 17 year olds.
No Claims Discount
While By Miles may not offer any online discounts or multi-car discounts, you can rest-assured that you’ll benefit from their no claims discount policy.
This protection comes as standard with all of their car insurance policies.
As well as being Defaqto five star rated, By Miles were also voted as ‘Innovation of the Year’ in 2017 by the Insurance Choice Awards.
It’s always much more reassuring knowing that you’re well covered and protected by an award-winning service.
The cost of car insurance for young drivers, especially those aged 17, can be absolutely extortionate.
Car insurance providers label those drivers as higher risk drivers, which means the cost of their car insurance premiums can get sky high. While costs for young drivers’ car insurance will almost certainly always remain higher than that of older drivers, there are still a few cost-cutting tips you can use that could potentially save you hundreds of pounds.
Increase your excess
It can be worth considering opting for a car insurance policy with a higher excess. While it’s not absolutely guaranteed to lower the cost of your premium, it is pretty likely to lower it so it’s definitely worth thinking about.
However, with a higher excess, it’s important to make sure that you can afford the premium in the event that you need to make a claim on your insurance.
This seems like a fairly obvious point to make – obviously you don’t want to be driving around erratically anyway.
However, as young drivers are considered to be more at risk when driving due to a lack of experience, it can be said that more accidents occur in young drivers.
Make sure you pay constant attention to the road, your surroundings and the road signs. Of course, it should be natural instinct to do this anyway, but oftentimes you can get swept up in the excitement of having just passed your driving test.
Car insurers increase the cost of their car insurance policies every year, due to a number of reasons such as inflation and increased business costs.
You can try and “outsmart” your current insurer however, if your policy renewal is coming up. Take a look at some comparison sites to see if there’s an insurance provider who can offer you a cheaper policy; then ring your current provider and see if they can match (or even beat) the quoted price.
Some insurers claim they won’t be able to budge on their prices, but some may be determined not to lose your business, therefore offering you a like-for-like match on your upcoming renewal.
Add a second driver to your policy
One great way to keep the cost of your car insurance down is by adding a second responsible driver to your policy.
As a 17 year old driver, you’re considered to be a more at-risk driver, so by adding a second responsible driver to your policy, you can help to reduce the overall average risk, especially if the second person is considered as much less of a risky driver.
Avoid modifications to your car
While it can be tempting (especially when you’re still young), to ‘pimp’ out your car, it’s definitely not a good idea if you’re looking to save money on your car insurance policy.
Unless you’re adding safety features to your car such as an alarm system, then it’s advisable to avoid all modifications if possible.
If you do make any changes to your car, you must ensure that you let your car insurer know so that your policy can’t be deemed as invalid.
Try multi-car policies
Many car insurances, such as Aviva and Admiral, often offer multi-car policies if you insure more than one car at the same time.
When two (or more) cars go on one policy, you can receive a discount due to bringing extra business in for the car insurance provider. If you still live with your parents or have a partner who’s also just learned to drive, then insuring your cars on a multi-car policy can reap many rewards.
Passing your driving test at aged 17 can be incredibly exciting and will give you so much independence.
While the excitement may be incredibly prominent, the cost of your car insurance will be eye-wateringly high. Car insurance premiums for young drivers are often much higher than those of older drivers, so make sure you minimise all risks that could cause your policy to be extremely high, and ensure you shop around and compare prices before you commit to one insurer.