17 year olds car insurance

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Reducing the price of car insurance for 17 year olds

Although car insurance prices for 17-year-olds are generally high, the overall cost of insurance for young drivers has fallen and despite the cost going up for other age drivers.

Figures taken from the latest Confused.com price index show that for the first quarter of 2016 (prices from January, Mach and April 2016), overall comprehensive car insurance premiums have remained largely static (despite a 14% YOY increase).

The good news for younger drivers is that average car insurance premiums for 17 year olds have dropped 4.4% year-on-year.

The fall in the average car insurance premiums is making it easier for 17 year olds to find relatively cheap car insurance.

While falls in premiums may make it more affordable, insurers still see young drivers as a high risk group. In an attempt to address this, some insurers now offer black box policies targeted at high-risk drivers.

Black box policies involve fitting a small box to your car which measures and analyses your driving style (things like your speed, handling and braking). Your premium is then based on how well you have previously driven, so if you drive carefully you could prove to insurers that you are a safe driver. This could positively influence your insurance premium, giving you a cheaper price.

Car insurance price index Q1 2016

Hitting the road at 17

For most teenagers, turning 17 is a great time in your life, for starters it’s the first year you can legally learn to drive and get your licence

  • If you're already taking driving lessons or about to start learning to drive, you can find lots of useful information on our learning to drive page

Passing your driving test can give you a sense of independence and freedom, but for many 17-year-olds this driving freedom can come at a pretty hefty price.

Despite having countless lessons and passing their driving test, most 17-year-olds are still inexperienced drivers. This means insurers see them as more of a risk and therefore adjust policy prices to take this into account.

This isn't just the opinion of insurance companies, there are hard statistics to support the link between young drivers and accident rates.

Road safety charity Brake reported that:

  • One in five new drivers has a crash within six months of passing their test
  • Young male drivers aged 17-20 are seven times more at risk than all male drivers
  • Young male drivers have much higher crash rates than young female drivers

Accident statistics are not the only factors taken into consideration when calculating a premium. Others include:

  • The car you drive
  • Where you live
  • How you use your car
  • Your excess
  • Who is insured to drive your car
  • Your policy type
One factor that can positively influence the price of insurance is no claims bonus. Unfortunately as a young inexperienced driver, it takes patience and careful driving to build up a no claims bonus.

For more tips on how to drive down the cost of your car insurance, take a look at our guide.

Useful information

17 and hitting the road? You might find these guides useful

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