You’ll have many things to think about when buying your first car but making sure you’ve got the right one is the most important.
We’ve looked at the cheapest cars to insure for 17-year-old drivers so you can make informed decisions about which car is right for you.
How much is car insurance for a 17-year-old?
We base car insurance costs on a number of factors. The value of the vehicle itself is one, but it’s not the only factor to consider.
One of the easiest ways to determine which cars will be the cheapest to insure is by looking at their group rating. The lower the group rating, the cheaper the insurance will be.
Knowing roughly how much you’ll spend on your average annual premium (cost of insurance) is a must before you buy a car.
We’ve created a list below of cars that were on average the cheapest to insure for our 17-year-old customers from July 2023 to July 2024.
These prices can vary depending on other factors on top of group rating, like annual mileage, past driving convictions and so on.
The cheapest cars to insure for 17-year-olds*
- Fiat 500 – average annual premium: £1,610.68
- Ford KA – average annual premium: £1,614.86
- Toyota Aygo – average annual premium: £1,633.72
- Renault Clio – average annual premium: £1,938.74
- Volkswagen Polo – average annual premium: £2,025.57
- Vauxhall Corsa – average annual premium: £2,042.22
- Ford Fiesta – average annual premium: £2.159.86
*Car models with 50 or more policies on our system.
What other costs will I have to pay for my first car?
Car tax
Unless you choose a Band A vehicle or a vehicle built before 1973, you’ll have to pay car tax.
MOT
An MOT checks your car’s road worthiness and safety. A dealership or garage usually does it.
You can read about car MOTs here.
Fuel
Choosing a car with good fuel efficiency (the rate an engine uses fuel) should be a high priority before you buy it. Not only does better fuel consumption save you money, it’s good for the environment too.
Think about car sharing as well. If you’re making the same journey as somebody else every day, or even just sometimes, you can save money by doing it together.
Tyres
You should be able to travel around 20,000 miles with a good set of tyres. It’s important to check the tyre pressure and tread regularly to make sure your car is safe to drive.
Repairs and services
However good a driver you are, problems will always arise over time and looking after your car is a safety essential. Most cars only need a full service once a year so this is something that should be budgeted for.
Pick the right insurance for you
It’s worth thinking about black box insurance. With black box insurance, you’re rewarded for how well you drive and if you’re a safe driver, your insurance could be cheaper.
