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Young driver insurance is the most expensive age group for car insurance in the UK. A 17-year-old can expect to pay between £1,635 and £2,555 per year depending on where they live. The good news is that premiums drop significantly with each year of age and driving experience. By age 21, the average premium is roughly half what it is at 17.
£2,043
Average premium for a 17-year-old across the UK
£700
Average saving from age 18 to 19, the biggest single-year drop
£1,661
Cheapest region for a 17-year-old (South West England)
Source: Brumble analysis of Quotezone Car Insurance Price Index, Q1 2026.
Where you live has a major impact on what you pay as a young driver. A 17-year-old in London pays £2,555 per year on average, while the same driver in the South West pays £1,661. That is a difference of nearly £900 for the same age and driving experience. Use our interactive map below to compare young driver insurance costs by region for each age from 17 to 21.
£1,635
£1,661
£1,806
£1,860
£1,866
£1,933
£1,985
£1,991
£2,036
£2,081
£2,098
£2,555
Source: Brumble analysis of Quotezone Car Insurance Price Index, Q1 2026.
Drivers aged 17 to 24 make up just 7% of UK licence holders but are involved in over 20% of fatal and serious collisions. Insurers price this risk into premiums, which is why cheap car insurance for young drivers can feel hard to find. The good news is there are proven ways to bring costs down.
Young drivers are statistically more likely to be involved in accidents, which increases claims costs for insurers.
New drivers make more errors in hazard perception and judgement, especially in challenging conditions.
Without a no claims bonus, young drivers miss out on discounts of up to 75% that experienced drivers enjoy.
There are several effective ways to reduce the cost of car insurance as a young driver.
Choose a car in insurance groups 1 to 5. Lower group cars are significantly cheaper to insure. The car you choose is one of the biggest factors affecting your premium as a young driver. See our guide to the cheapest cars to insure.
Consider black box insurance. Safer drivers could see significant savings at renewal, the most effective way for young drivers to cut costs.
Build your no claims bonus. Each claim-free year earns a discount on your premium. After one year you could see a reduction of around 30%, rising to around 60% after five years. Protecting your no claims bonus costs a small amount extra but means you keep the discount even after a claim.
Compare quotes from multiple insurers. Prices vary significantly between insurers for identical cover, so always compare before buying or renewing.
Increase your voluntary excess. Raising your excess from £100 to £250 could reduce your premium. Only choose an amount you could comfortably afford to pay.
Report your mileage accurately. Lower annual mileage could mean lower premiums, though always ensure you're being truthful on your policy.
Avoid modifications. Even cosmetic changes like alloy wheels can increase premiums and must be declared.
Pay annually. Monthly payments typically include interest charges. Paying upfront usually works out cheaper over the year.
Telematics policies monitor your driving and reward safe habits with lower premiums. The most effective way for young drivers to reduce costs.
Compare black box insurance →Often cheaper than third party for young drivers because insurers view comprehensive buyers as lower risk. Always compare both before deciding.
Read the fully comprehensive guide →Being added to a parent's policy is often cheaper than a standalone policy, but you won't build your own no claims bonus.
Never list a parent as main driver if you drive the car most. That is called fronting and it is insurance fraud.
Short-term cover for practising in someone else's car, protecting their policy and no claims bonus while you learn.
Can your parents teach you to drive? →The car you drive is one of the biggest factors in your insurance premium. Cars in insurance groups 1 to 10 are the cheapest to insure and tend to be smaller, less powerful models that are cheaper to repair. Here are some of the most popular low-group cars for young drivers.
Volkswagen Up
Groups 1-3
Hyundai i10
Groups 1-4
Toyota Aygo / Aygo X
Groups 2-5
Fiat Panda
Groups 1-3
Skoda Citigo
Groups 1-3
Dacia Sandero
Groups 3-7
Vauxhall Corsa
Groups 6-10
Ford Fiesta
Groups 6-12
Nissan Micra
Groups 3-8
Insurance groups run from 1 (cheapest) to 50 (most expensive). They are set by Thatcham Research based on repair costs, performance, safety, and security. You can check any car's insurance group using our guides.
Black box (telematics) insurance is one of the most effective ways for young drivers to reduce their premiums. A small device fitted to your car, or an app on your phone, tracks how you drive. Safe driving is rewarded with lower renewal premiums, while risky behaviour can push costs up. For many young drivers, black box policies offer the cheapest available quotes because insurers can price based on how you actually drive rather than just your age.
Telematics typically tracks your speed, braking, cornering, the time of day you drive, and your total mileage. Driving smoothly, avoiding late-night journeys, and staying within speed limits will usually improve your score.
If you are buying your first car, check its history before you commit. Our free tools let you see any vehicle's MOT history, test results, and tax status instantly.
We have published detailed guides to help young drivers save money and understand their options.
Everything you need to know about getting insured as a new driver.
Read the Guide →A complete guide to insuring your first car, from choosing cover to getting the best price.
Read the Guide →Find affordable cover from 130+ trusted UK insurers. Enter your details once and see quotes in minutes, free with no obligation.
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Ryan is the founder of Brumble and has over a decade of experience in the UK motor finance and insurance industry. He created Brumble to make it easier for UK drivers to understand the insurance and finance world by cutting through the jargon.
Originally published: 13 October 2025 · Last updated: 28 May 2026
Find answers to common questions about young driver car insurance.
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