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Car Insurance for 17 and 18 year olds

Here’s our guide to help drivers aged 17 and 18 find affordable insurance that works for them.

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How to find the best car insurance for 17 year olds and 18 year olds

Let’s not beat around the bush, car insurance for 17 and 18 year olds is expensive, but it’s not all bad. There are ways your insurance premium can be a bit less painful in your first year; from choosing the best car insurance for young drivers to the cheapest cars to insure for 17 and 18 year old drivers, as well as coverage options for cheap temporary car insurance. We’ve answered some commonly asked questions to help you find the best price!

Why is car insurance more expensive for 17 and 18 year olds?

It might not seem fair that your insurance is so costly, especially for your first policy, but we thought it would be a good start to explain why. All insurance quotes and premiums are based on risk. Your insurer assesses the chance of paying out for a claim and price your premium on this risk.

Car insurance for 17 and 18 year olds is pricier as you have very little driving experience. Government statistics suggest that 1 in 5 young drivers are involved in an accident within the first year of passing their test* - that’s a lot of risk for insurers. Therefore, insurers will quote premiums based on the likelihood they will need to cover the cost of more claims than a more experienced driver.

Average cost of insurance for 17 and 18 year olds

After reading that you’re probably wondering - just how much is car insurance for a 17 and 18 year old? As we mentioned earlier, the cost of insurance is based on risk, but what do insurers consider a risk? Factors such as your address, the vehicle you drive your driving history and more, are all considered a risk as they affect the likelihood of you needing to make a claim.

Because there are so many factors affecting the cost of insurance it’s difficult to say what the exact car insurance cost for 17 or 18 year olds would be, but here’s the average cost of car insurance for our 17 and 18 year old customers.

  • Average cost for 17 year olds - £1322.60²
  • Average cost for 18 year olds - £1398.54²
Average cost

Try our insurance finder tool!

Answer 3 simple questions to discover the options that may be suitable for getting insured at 17 or 18 in your own car or a car you borrow!

How can 17 and 18 year olds keep their car insurance down?

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Choose a car in a low insurance group

A small, less powerful car, with modern safety features, in a low insurance group, makes a sensible choice for new drivers as they are the cheapest to insure.
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Add a parent or experienced driver

Adding a parent or experienced driver to your policy helps to lower the risk on the policy as a more experienced driver will use the car some of the time.
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Add a voluntary excess

By choosing a higher excess, insurers will sometimes offer a lower premium. Just make sure the excess is affordable in the event you need to make claim.
Car with black box

Choose a black box policy

By installing a black box, you are showing the insurer you are a more responsible driver, you could look forward to earning a safe driving discount at renewal.

Why is black box insurance good option for young drivers?

On your own car
On a parent's car

    • Comprehensive cover that allows you to earn your own No Claims Discount
    • There’s no curfews or night-time driving restrictions with Marmalade
    • Smart app helps you review your driving and develop your driving skills
    • Cover before and after your driving test and the price won’t go up when you pass

    Our black box technology will improve your driving skills & reduces the likelihood of you being involved in an accident by nearly 3 times†


Our black box technology will improve your driving skills & reduces the likelihood of you being involved in an accident by nearly 3 times†
Blue Fiat 500

Cheapest cars for 17 and 18 year olds to insure³









FIAT 500


Can you get temporary car insurance for 17 and 18 year olds?

The simple answer is yes. At 17 and 18 years old, young drivers may need more flexibility to share a family car as and when they need, rather than committing to a full year. Here’s 3 flexible short term car insurance options for 17 and 18 year olds.

Pay As You Go Insurance

Top up as you go

  • dotPay just for the miles you drive
  • dotComprehensive cover on a parent's car
  • dotMiles are valid for 12 months
  • dotNo risk to the car owner’s No Claims Discount

Student Car Insurance

Cover from 7 - 42 days

  • dotComprehensive cover for 18 - 27 year olds
  • dotExclusively for university and boarding school students
  • dotEasy to extend cover
  • dotOnly for full licence holders

Learner Driver Insurance

Flexible cover for extra practice

  • dotPractise in a family car or friend’s car
  • dotComprehensive cover from 30 - 240 days
  • dotNo risk to the car owner's No Claims Discount
  • dotCovers you during the driving test
Man holding up keys

Temporary Car Insurance

Looking for short term cover? Find out more about our temporary cover options.

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How much is a first car?

Buying your first car? Read our guide on buying your first car – and how much you might need to get on the road.

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Best first cars

Choosing the right car can be tricky even for experienced drivers! Read our guide to help you decide

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