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Drive with Confidence - Find the Right Car Insurance for 17-21 Year Olds

If you’re a young driver, then you’re likely concerned about what you’ll have to pay for car insurance. The good news is that getting a lot of quotes is now easier than ever and a great way to make sure you get the best price possible.

To get your tailored quotes now, simply click the green button.

Did you know…?

Although car insurance for young drivers is more expensive, it's still possible to get affordable cover in most cases.

Why You Need Car Insurance for 17-21 Year Olds

Some young drivers choose to drive without insurance, especially if they find it too expensive. This is not recommended however. If you’re caught driving without cover, you could easily have your licence revoked and face a lengthy driving ban.

Car Insurance for 17-21 Year Olds -Main Types Of Cover

The type of car insurance you opt for will determine the level of coverage you secure. The main types available in the UK include:

  • Third-Party Only Insurance: This is the most fundamental form of car insurance and is the minimum legal requirement in the UK. It takes care of injuries to others and damage to other people's property, but it does not cover any damage to your own vehicle.
  • Third-Party, Fire and Theft Insurance: This includes everything within Third-Party Only coverage, with additional coverage against the loss or damage of your car due to fire and theft.
  • Comprehensive Car Insurance: This offers the highest level of coverage. It includes all elements from the Third-Party, Fire and Theft policy, and might also assist in covering the cost of repairing or replacing your vehicle, regardless of the cause of the accident.

Did you know…?

It's usually better to start with a more modest car with a small engine to keep insurance costs down.

Why It's Good Idea To Get Car Insurance for 17-21 Year Olds Quotes Online

Below are some of the best reasons to get your Car Insurance for 17-21 Year Olds quotes online –

  • They allow customisation of search results based on individual needs, such as coverage type and excess amount, for a personalised experience.
  • These services don't require commitment or purchase; they can be used as research tools.
  • They promote competition among insurers, often leading to better pricing options.
  • Users can take note of extras included in some policies, like breakdown cover and legal protection.
  • Insurance comparison websites provide guidance and simplify the overwhelming process of looking for insurance.
  • The real-time comparison of prices from various insurers aids in making an informed decision.

Car Insurance for 17-21 Year Olds - More Cover Options To Consider

Some extra types of Car Insurance for 17-21 Year Olds you can get included in your policy are –

  • Personal Accident Cover: In the unfortunate event of a serious accident, this cover provides financial support for you or any named driver, in case of certain injuries.
  • Key Cover: Ever lost your keys or had them nicked? This cover handles the cost of replacement, and even foots the locksmith's bill.
  • Foreign Use Cover: Planning a road trip abroad? This gives you the same level of cover as back home, giving you one less thing to worry about.
  • Excess Protection Cover: This takes care of your excess cost if you need to make a claim, meaning you won't be digging into your own pockets when you least expect it.
  • No Claims Discount Protection: This ensures your no claims discount stays untouched even if you make a claim, helping you keep your premiums low in the future.
  • Breakdown Cover: This add-on provides roadside assistance whenever your car decides to take an unexpected break, giving you peace of mind on every journey.
  • Windscreen Cover: Protects your windscreen from any unexpected damage, ensuring your view of the road is always top-notch.
  • Legal Cover: If you find yourself in a legal dispute due to a road incident, this cover gives you financial protection against any legal costs.
  • Misfuelling Cover: Accidentally filled up with the wrong fuel? This protects you against any resulting repair costs.
  • Uninsured Driver Protection: This ensures you're not left picking up the tab if an uninsured driver hits your vehicle, covering your excess and keeping your no claims discount safe.
  • Courtesy Car Cover: If your car needs a bit of TLC after an accident, this cover makes sure you're not left without wheels, providing a courtesy car.
  • Child Car Seat Cover: After an accident, this cover provides funds to replace any child car seats, even if they don't appear to be damaged.

Did you know…?

Getting quotes is an excellent way to save money on car insurance.

Car Insurance for 17-21 Year Olds - How To Keep Costs Down

Excellent ways to save money on Car Insurance for 17-21 Year Olds are –

  • No Claims Discount: Insurers may offer discounts to drivers who have not made a claim in a while. The longer you go without making a claim, the larger the discount could be.
  • Higher Excess: Agreeing to pay a higher voluntary excess (the amount you pay towards any claim) can lower your insurance premium. However, ensure that you can afford the excess in case you need to make a claim.
  • Advanced Driving Courses: Some insurers may offer discounts if you've completed an advanced driving course, such as those offered by the Institute of Advanced Motorists.
  • Maintain a Good Credit Score: Some insurers consider credit score when determining premiums. A good credit score can demonstrate that you're reliable and may lead to lower costs.
  • Review Your Coverage Annually: As your life changes, so do your insurance needs. Review your policy annually to make sure you're not paying for unnecessary coverage.
  • Telematics Insurance: Also known as 'black box' insurance, this involves a device being fitted to your car to monitor your driving. Good, safe driving can lead to lower premiums.

Get Car Insurance for 17-21 Year Olds Now!

This comparison tool is a game-changer when it comes to finding the right car insurance. Here's the drill:
  • First, you'll need to punch in your personal details - they handle data with utmost care.
  • Next, they'll ask for your vehicle's specifics - the more detailed, the better.
  • Then, you should key in your current insurance details - it helps them serve you better.
  • And there you go, specialist insurance providers will soon be in touch with customised quotes.

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Car Insurance for 17-21 Year Olds FAQs

Why does car insurance cost more for young drivers?

The reasons for this is that younger drivers are statistically more likely to be involved in collisions and therefore more likely to make a claim.

Is age the main factor that affects the cost of car insurance?

It’s certainly a major factor but it’s not the only one. Other things insurance providers take into account are –

  • Your car
  • Your location
  • Your occupation
  • The level of cover you take out

Is it better to get a third party policy or fully comprehensive?

If you want to keep costs to a minimum, third party only insurance is usually the cheapest option. However this doesn’t really provide any protection for your own car and just makes it legal to drive. For cover for things like fire, theft and collisions, a fully comprehensive policy would be best.