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.
How to find the best car insurance for 17 year olds and 18 year olds
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
Try our insurance finder tool!
How can 17 and 18 year olds keep their car insurance down?
Choose a car in a low insurance group
Add a parent or experienced driver
Add a voluntary excess
Choose a black box policy
Why is black box insurance 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
- 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†
- 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’
Our black box technology will improve your driving skills & reduces the likelihood of you being involved in an accident by nearly 3 times†
DID YOU KNOW
Cheapest cars for 17 and 18 year olds to insure³
CITROEN C1
VOLKSWAGEN UP!
PEUGEOT 107
FORD KA
FIAT 500
Can you get temporary car insurance for 17 and 18 year olds?
Pay As You Go Insurance
Top up as you go
Pay just for the miles you drive- Comprehensive cover on a parent's car
- Miles are valid for 12 months
- No risk to the car owner’s No Claims Discount
Student Car Insurance
Cover from 7 - 42 days
- Comprehensive cover for 18 - 27 year olds
- Exclusively for university and boarding school students
- Easy to extend cover
- Only for full licence holders
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
Temporary Car Insurance
Looking for short term cover? Find out more about our temporary cover options.
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.
Best first cars
Choosing the right car can be tricky even for experienced drivers! Read our guide to help you decide
