Compare 17 year old car insurance quotes
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Why 17 year olds need specialist cover
Insurers see 17 year olds as higher risk because they’re just starting out on the road. That can mean more expensive premiums, but specialist young driver policies are designed to make cover accessible.
Many of these policies include options like:
Black box (telematics) insurance to reward safe driving
Discounts for adding a named experienced driver (such as a parent)
Flexible cover types to suit learners and newly qualified drivers
The right policy doesn’t just keep you legal — it can also help you build a no-claims discount that lowers future costs.
What to consider when choosing cover
As a 17 year old, the biggest challenge is balancing affordability with the right level of protection. While third party policies may look cheaper, comprehensive cover often offers better value and peace of mind.
It’s also worth thinking ahead, starting with a policy that helps you build a no-claims discount will save you money in the years to come.
Types of 17 year old car insurance
This is the minimum legal requirement. It covers liability for injury or damage to other people and property caused by your vehicle.
In addition to third-party coverage, TPFT insurance also covers your vehicle if it’s stolen or damaged by fire.
Comprehensive insurance covers you if you damage your car, somebody else’s car or if you injure somebody in an accident, regardless of who’s at fault. It also covers your vehicle if it’s damaged by fire or stolen.
Telematics insurance involves the use of a black box device installed in your vehicle or a smartphone app to monitor your driving behaviour.
PAYG insurance allows you to pay for coverage only when you’re using your vehicle. It’s often used by occasional drivers and can be a cost-effective option.
Multi-car insurance allows you to cover multiple vehicles and drivers under a single policy.
Temporary car insurance provides coverage for a short duration, typically from one day up to a few months.
If you use your vehicle for business purposes, you may need commercial car insurance.
Factors that affect 17 year old car insurance
Age and experience
Being 17 with no driving history is one of the biggest cost factors.
Car choice
Smaller, lower-powered cars in a low insurance group are cheaper to insure.
Driving history
With no track record, you’re seen as higher risk. Building a no-claims bonus helps.
Policy type
Telematics or black box policies can significantly cut costs.
Where you live
Postcode and whether you park on a street, drive, or garage matter.
Annual mileage
Lower mileage can reduce risk and bring costs down.
Get on the road at 17 — compare car insurance made for new drivers
Turning 17 and getting your licence is an exciting milestone — it’s your first taste of real freedom. But for most young drivers, finding affordable car insurance can feel like the hardest part of the journey. Premiums for 17 year olds are often higher, but with the right approach you can still get a good deal.
At MoneySpider, we make it simple to compare quotes from trusted insurers who understand the needs of new drivers — so you can get behind the wheel with confidence.
Advice for getting the best deal
Compare quotes across multiple providers — prices vary widely for young drivers.
Consider a telematics policy to prove your safe driving habits.
Avoid modifications or high-performance cars, which drive premiums up.
Add a responsible named driver (but not as the main driver if they’re not).
Limit mileage where possible to keep costs down.
FAQ
Need more help?
Why is car insurance so expensive for 17 year olds?
Is black box insurance worth it?
Can a parent insure a car in their name for me to drive?
Will my premiums go down after the first year?
What type of car is cheapest for a 17 year old to insure?
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