17-year-olds' car insurance

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

Car insurance prices for 17-year-olds are generally high. But according to figures taken from the latest Confused.com price index, younger drivers have experienced the smallest insurance price increase (9% year-on-year) compared to any other age group in the last year.

The not-so-great news for younger drivers is that the average car insurance premium for 17-year-olds stands at £2,083. Which 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.

Young drivers 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 the general lack of driving experience at 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 - things like your speed, handling and braking. If you drive carefully you could prove to insurers that you're a safe driver. This could positively influence your insurance premium, giving you a cheaper price.

If you don't like the idea of fitting a black box to your car, some telematics policies allow you to use a mobile app or plug-in device to monitor your driving. Data collected 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, once you've got a car insurance quote, keep a lookout for policies showing the telematics icon below.

Telematics insurance white car in blue lozenge

Insurance premium 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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