How much is car insurance for 17-year-olds?

Gaining an understanding of the way in which new driver insurance is calculated, and the kinds of figures to expect, can really help learner drivers prepare for the future – and get the best car insurance premiums possible.

Prices for learners

The initial outlay for learner driver insurance could be less than you think. This is because the risk that learner drivers pose is deemed to be relatively low since they always have an experienced driver supervising them.

Whether they are learning to drive in a 10-year-old Ford Fiesta or a 20-year-old banger, a young provisional licence driver could be looking at an annual premium of just £265 – regardless of whether the car is owned by someone else, or by the learner themselves.

Various lengths of short-term insurance policy are available on the market, as well as pay-as-you-go arrangements. So, by choosing the policy that’s right for the individual, costs can be kept as low as possible.

Car insurance for young drivers

Don’t let learner driver insurance lull you into a false sense of security – a standard young drivers’ insurance policy is going to cost a lot more compared to experienced drivers, but there are plenty of ways to keep the cost down.

Car insurance quotes are calculated by taking into account several factors. Some relate to the driver themselves, such as age, driving experience and no claims bonus. Of course, these are impossible to improve upon in the short term. Try to see them as a long-term investment, because as driving years and no claims bonus build up, premiums will fall.

In the meantime, black box (or telematics insurance policies) will allow a skilled and sensible young driver to prove their driving skills, rather than being typecast as a ‘high risk’.

Don't forget!
Claims and convictions also have a negative effect on insurance premiums, so stay safe and legal!.

What is black box car insurance?

Once installed in the car, a black box will monitor when, where and how the individual drives. Good driving skills can result in insurance savings of up to 50%.

A young driver can expect to pay around £1,500 for a fully comprehensive telematics policy in the first year, and a good driving record could see that premium halved for the second year. A standard fully comprehensive policy for the same driver would cost around or above £2,700. Learn how black box insurance works.

How can the car affect insurance premiums?

The factors that can be instrumental in reducing car insurance estimates from day one relate to the car itself (type, value, mileage, etc.). Let’s take a look at what should be considered in order to lower these costs.

The value of the car

In the UK, all car models are assigned a vehicle group based on their performance, cost to repair, and security and safety systems. Models of relatively low value (as new) with small engines and state-of-the-art safety and security features will fall into the lower groups – and the lower the group, the lower the car insurance premium should be.

A young driver with a fully comprehensive telematics insurance policy on a three-year-old, 1-litre car of low value can expect to pay around £1,500 in the first year. A brand new Audi A3 is likely to cost in upwards of £5,000 to insure.

The age of the car

If you’ve ever wondered, ‘how old is my car?’, now is the time to find out. The age of the car can also be a defining factor in the calculation of insurance premiums. Older cars are likely to have fewer safety and security features, often costing more to insure.

However, an approved alarm, immobiliser or tracking device can be added to an older car, which may have a positive effect on your car insurance quote. Making these investments now may pay off in the long run.

A young driver with a fully comprehensive telematics policy on a 10-year-old, 1-litre car of low value can expect to pay around £1,500 in the first year.

Did you know?
A car kept in a garage or on a driveway presents less of an insurance risk, and therefore could be cheaper to insure than one kept on the road. Postcodes also come into the equation – some geographical areas are considered higher risk than others due to high levels of personal injury and vehicle damage.

So, it pays for a new driver to choose their first car wisely! Discover more tips for finding cheap car insurance by clicking here.

Adrian Flux offers competitive insurance prices for new drivers, as well as telematics insurance to those with a black box.