Car insurance for 17-year-olds – Forbes Advisor UK


If you’re 17 and passed your driving test, you’ll want to make sure you get the best rate on your auto insurance. Statistically, teens turn out to be the riskiest drivers, leading insurers to charge them the highest premiums.

But there are ways to find the best insurance for you and minimize the cost of onerous premiums. Here’s everything you need to know about auto insurance as a 17-year-old driver.

What type of coverage should I get?

At 17, you are offered the same types of auto insurance as older drivers:

  • Third Party Fire and Theft (TPFT) This type of insurance covers damage caused to another person, their car and their property if you cause an accident (including your passengers). It will also cover the costs if your car is stolen or damaged by fire.
  • Completely complete This type of auto insurance covers damage to another person, their car and other property as well as your own repairs and medical bills in the event of an accident.

Statistically, drivers who underwrite third-party only policies or TPFT policies are at a higher risk of a claim, which has caused insurers to increase premiums (the regular fees paid for insurance) on these policies, so don’t assume. not that full coverage will always be the most expensive.

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Choose from a range of policy options for affordable coverage that’s right for you and your car.

What affects my premiums?

Auto insurers want to know you (your age, occupation, address and driving history, for example), your car (its make and model) and how you plan to use it (for example for occasional social use, or for daily trips during rush hour).

All of this information will determine the level of risk you bear and the amount of premium you will be charged accordingly.

How to get cheaper auto insurance?

Insurers charge 17-year-olds higher premiums if they are new to the road and have a higher risk. But there are ways to cut costs:

choose your car strategically – Insurers group cars together based on their size, performance and safety, among other factors. The fastest or the flashiest can be the most expensive to insure

keep your car safe – the safer your car, the better. Consider purchasing a car with enhanced safety and security features, such as automatic emergency braking and a tracking device. Also, keep your car parked out of the road, in a garage, or in a driveway, if you can.

pay more in voluntary deductible – your deductible is an amount you pay to cover the cost of any claims you make. Contributing more in excess suggests will be rewarded with a lower premium

avoid modifying your car – modifying your car basically changes the specifications of the car. Modified parts could be difficult to find, in case they need to be replaced. Additionally, making your car faster can increase risk, which can also increase your premiums.

telematics insurance or black box – if you have a black box installed in your car or an app on your phone, you may be offered lower premiums in exchange for proven responsible driving.

What is a No Claims Discount?

If you don’t make a claim during the 12-month insurance period, a no-claims discount can lower your premiums – and the discount increases each year you don’t make a claim.

The full NCD available varies among insurers, but can reach up to 70% after five years without loss.

Can I drive with someone else’s auto insurance?

You will be able to drive someone else’s car if your insurance includes a DOC (drive other cars) clause, but insurers are unlikely to offer it to drivers under the age of 25.

Alternatively, you can be added as a named driver on someone else’s policy, but keep in mind that their insurance will be affected by any claim you make, including their NTM.

Another option is to purchase term auto insurance that typically lasts up to 28 days. The insurers will indicate a lower and upper age limit. Coverage can be set up in minutes, will not affect the car owner’s insurance policy, and can be purchased multiple times.

What other costs should I take into account?

In addition to auto insurance, there are several other costs that you will need to budget:

  • car tax (officially known as vehicle excise tax) – car tax must be paid on an annual basis for all cars used and parked on UK roads. The amount to pay depends on the model of your car and its date of registration
  • CT you will need to pay a mandatory annual MOT (Ministry of Transport) exam for a car over three years old to make sure it is safe to drive and environmentally friendly. Count £ 30- £ 60, depending on the garage
  • Maintenance you should have your car checked from time to time to make sure everything is in working order and to spot problems early. Maintenance is more complete than a technical inspection and costs more, so you could face an invoice of several hundred euros.
  • Minor repairs you may not want to claim minor repairs from your insurance, perhaps so as not to lose your MNT or accumulate your excess, in which case you will have to pay them up front.

Compare auto insurance quotes

Choose from a range of policy options for affordable coverage that’s right for you and your car.


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