17-year-olds' car insurance

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Reducing the price of car insurance for 17-year-olds

Young drivers may find themselves paying over the odds for insurance as many insurers class them as a high-risk group. This is for a number of reasons - a big one being a lack of driving experience at such a young age.

The good news is that, in an attempt to address high prices, some insurers offer telematics and black box policies. These are aimed at making driving more affordable and accessible to drivers normally considered to be high-risk. 

Black box policies involve fitting a small box to your car which measures and analyses your driving style, particularly:

  • speed
  • handling
  • braking

If you drive carefully you could prove to insurers that you're a safe driver. This could result in lower insurance costs for you.

Some telematics policies allow you to use a mobile app or plug-in device to monitor your driving. The data is then fed back to your insurer, who may offer you a discount based on your driving.

If you're interested in a telematics or black box policy, look out for policies showing the telematics icon below.

Telematics insurance white car in blue lozenge

Price trends for young drivers

The latest Confused.com car insurance price index reveals that 17-year-olds are paying the most for their car insurance.

The report looks at comprehensive insurance prices and found that 17-year-olds paid an average of £2,112 in the final quarter of 2016.

And for the first time in 18 months, 17-year-olds are paying more than 18-year-olds.

Car insurance prices for 17-year-olds can be eye-wateringly high. This is why it's more important than ever to shop around to find a good deal on insurance.

Take a look at our price index calculator to see how prices for your region, gender and age have changed.

Average prices by age

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.

  • 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 four 18-24 year olds (23%) crash within two years of passing their driving test.
  • Young male drivers are involved in many more crashes 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.
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