Car Insurance for 17-Year-Olds
If you’re 17 years old and you’ve just passed your test, chances are you’re facing high insurance premiums. That’s where we come in. At Adrian Flux, we offer affordable car insurance for 17-year-olds, especially with our black box insurance policy, which can save you up to 60% on your renewal premiums.
How much is car insurance for 17-year-olds?
A standard car insurance policy for 17-year-olds is going to cost a lot more compared to the insurance premiums for more experienced drivers. The cost of your car insurance as a young driver depends on a number of factors, including your driving experience, any no claims bonus you were able to build up as a learner driver, the type of vehicle you choose, where you live, and whether you’re paying for your insurance upfront or monthly.
Thankfully, there are plenty of ways to keep the cost down. For instance, taking out black box insurance can help prove that you’re a safe driver which can, in turn, reduce your renewal premiums.
Although you’re likely to face high insurance premiums as a new and young driver, taking out car insurance at 17 years old can help reduce your premiums in the long term. This is because it can help you build up a no claims bonus (NCB), as well as experience on the road.
Why is car insurance more expensive for 17-year-olds?
Young drivers are statistically more likely to be involved in an accident, so they’re seen as a higher risk by insurance companies. Additionally, as you’re unlikely to have built up a no claims bonus or driving history, there’s an increased risk involved with insuring you.
It’s not all doom and gloom though; there are a number of ways you can reduce your car insurance as a 17-year-old, which we have listed in the section below.
How can I get cheap car insurance as a 17-year-old?
There are a number of ways you can reduce your car insurance premiums as a 17-year-old:
Take out black box insurance: this tracks your driving and updates your renewal rate depending on the way you drive. It sounds scary, but don’t worry – we provide daily updates and tips so you can adjust your driving to help reduce your premiums.
Choose a car that’s cheap to insure: it’s a good idea to choose a car in a low insurance group as your car insurance is likely to be less expensive. These tend to be less powerful vehicles. Alternatively, consider choosing a classic vehicle as these could be cheaper.
Add more experienced drivers: adding more experienced drivers, such as your parent or guardian, to your insurance policy as named drivers can help reduce your insurance premiums.
Consider taking additional courses: there are a number of additional courses you can take beyond your driving test, which can help reduce your premiums. This includes Pass Plus and IAM Roadsmart. Read our blog on Pass Plus to find out more.
Join a car club or forum: if you’re a car enthusiast, we know that you’re likely to treat your pride and joy well. We offer up to 15% off your premiums if you’re a car club or forum member.
Get a limited mileage policy: only planning on driving a few thousand miles a year? Ask us about our limited mileage policy as this could help you save money.
What kind of cover is available to 17-year-olds?
There are three main types of insurance you can take out:
Fully comprehensive
This is the highest level of cover you can get. It protects you regardless of who is at fault.
Third-party, fire and theft
This covers damage or injury to other people, their cars and their property. It also protects your vehicle in the event it gets stolen or damaged by fire.
Third party only
This will only cover damage or injury to other people, their car, or their property in the event of an incident. This cover is the minimum level you can get.
What are the cheapest cars to insure for 17-year-olds?
The following are among the cheapest cars to insure for first time drivers:
- Fiat 500
- Peugeot 107
- Renault Clio
- Ford KA
- Volkswagen Up!
You might also want to consider insuring a classic car, especially if you have an interest in classics. These are often among the cheapest to insure and run. Read our blog on the cheapest cars to insure for 17-year-olds for the full list of cars.
Classic car insurance for young drivers
Are you a young car enthusiast? We offer classic car insurance for young drivers, which can be cheaper than insuring a regular vehicle. Whether you’ve got your heart set on a classic Fiat 500, VW Golf or Polo, or Mini, give us a call for a 17-year-old insurance quote.
FAQs
As a 17-year-old, your insurance premiums are likely to be relatively high. In general, it’s cheaper to take out an annual car insurance policy, especially if you’re a young driver. This tends to work out cheaper. That being said, you’ll have to pay the cost of your cover up front so it’s not for everyone!
Besides the upfront cost of buying your vehicle, as well as the costs with insuring it, there are a number of other costs involved with owning a car. This includes:
- MOT: this is an annual test to ensure your vehicle is roadworthy. You have to pay for the MOT, and you might need to pay to get any issues fixed. Cars over 40 years old are MOT exempt, so if you opt for an older classic car, this can help you save money – although it’s still likely that you’ll need to take it for regular maintenance and repairs.
- Tax: you’ll need to ensure your car is taxed before you take it on public roads. This also includes parking it on public roads; it must be taxed before you do so.
- Fuel: you’ll need to cover the cost of fuel while you’re driving. This can get pricey, especially if you’re driving a lot.
- Breakdown cover: you might want to consider taking out breakdown cover. This helps cover the costs involved with breaking down.
- Congestion or low-emission charge: If you drive in one of the big cities across the UK, you might have to pay a charge to drive in the area.
Car insurance excess is essentially the amount you have to pay towards a claim on your insurance. For example, if damage to your car costs £1,000 and your excess is £300, you will pay £300 towards the claim and your insurer will pay the rest.
As a young driver, you might want to consider increasing your insurance excess as this can often reduce your insurance premiums. However, it’s important to note that you’ll have to pay this excess if you want to make a claim, so the price you choose should always be within your budget.
Read more about insurance excess and how it works in our blog.
