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 can be expensive, but it's not all bad. 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?
So, you’re finally old enough to drive, you’ve started looking into insurance and you’re thinking “jeez, that’s pricey” – let us explain why that’s the case. All insurance quotes and premiums are based on risk. Your insurer assesses the chance of paying out for a claim and prices your premium with this risk in mind.
At the start of your driving career, you have very little driving experience which is deemed as more risk for insurers, meaning premiums will be priced based on the likelihood they will need to cover the cost of more claims than if the driver was more experienced.
Find cover that suits you
Try our insurance finder tool to discover options for getting cover as a 17 or 18 year old in your own car or a friend or family member's.
How can 17 and 18 year olds keep their car insurance down?
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 tend to be cheaper to insure.
Add a parent or experienced driver
Having a parent or experienced driver named on your policy helps to lower the risk as it shows a more experienced driver will be using the car some of the time.
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.
Choose a black box policy
By installing a black box, you can show the insurer you are a more responsible driver and you could look forward to earning a safe driving discount at renewal.
Why is Black Box Insurance a good option for young drivers?
- Comprehensive cover that allows you to earn your own No Claims Discount
- There's no curfews or night-time driving restrictions with Marmalade
- Cover before and after your driving test and the price won't go up when you pass
- Smart app helps you review your driving and develop your driving skills
- You can have your own policy to share a parent's or grandparent's car
- You can start earning your own No Claims Discount with no risk to your parent's NCD
- Cover available for provisional and full licence holders
- Our clever app lets us just measure your journeys, and not your parents'
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. We offer flexible Learner Driver Insurance.
Learner Driver Insurance
Flexible cover for extra practice
- Practise in a family car or friend's car
- Comprehensive cover from 30-240 days
- No risk to the car owner's No Claims Discount
- Covers you during the driving test
How much is a first car?
