which are the cheapest cars insurance to buy for a 17-year-old driver in the UK
which are the cheapest cars insurance to buy for a 17-year-old driver in the UK

Which Car is Cheapest to Insure for a 17 Year Old?

Since a 17-year-old teenager has the right to own a car in the UK, there are some cars which are mostly recommended for such age. For example, Vauxhall’s flagship car is quite famous but if you want a cheaper version of a car then get the Hatchback which costs 400 pounds less than the Vauxhall regarding insurance.

The list of the most affordable cars in the UK does not end there since there are cheaper versions as well. Peugeot 107 will which ideal for 17 to 25-year-old young adult, will require you to pay 900 pounds on full comprehensive insurance as compared to the Corsa vehicle which requires up to 1305 pounds.

What makes Peugeot be the least expensive car for insurance is due to its small engine which is less powerful as compared to other engines. When it comes to purchasing of the car, the price is also lower since three-door 107 Peugeot costs around 6000 pounds, but the 2015 Vauxhall will cost you up to 9000 pounds or more.

So, which are the cheapest cars insurance to buy for a 17-year-old driver in the UK?

  • The list starts with Peugeot 107 which for under 25s which costs 900 pounds.
  • Fiat 500 the insurance cost for less than 25 years is 912 pounds.
  • Citroen C1 the insurance for under 25 years is 925 pounds.
  • Kia Picanto, the insurance for under 25 years, will cost 955 pounds.
  • Toyota Aygo insurance for under 25 years will cost you 970 pounds.

How much does it cost for a 17-year-old to insure a car?

When it comes to finding insurance for a 17-year-old, the process of searching for a good company to insure you is quite difficult since some companies are hesitant to insure such age. This is because they are termed reckless, and the insurance companies usually fear to incur a loss from working with such age.

If you are lucky to find company at such age, you may end up getting charged huge amounts of money. The bottom line is an insurance cover for a 17-year-old is quite high as compared to insurance for a driver who is over 25 years of age.

The estimated charges are as follows;

  1. Fully comprehensive; 1,178.99 pounds.
  2. Third party fire and theft; 1,535.865 pounds.
  3. Third party only; 2,299.36.

What causes the high charges is due to the high rates of accidents reported on the people in this age. Statistics show that the majority of people who are involved in accidents especially based on careless driving are the people between the age of 17 to 24 respectively.

On the other hand, regardless of the high rates that the 17-year-old are charged in acquiring insurance, it is important to have the insurance cover before you drive on the roads.

It is considered illegal to drive a car that is not insured. There are high penalties and jail terms in case one is caught driving without insurance or even with expired insurance.

Which are the most essential insurance covers?

The minimum insurance premium that one should have is third party car insurance. This is used for covering for any damage caused on another person’s car or if you injure another person with your car. You can also purchase third party fire and theft car insurance which protects your car from any damage by the fire and theft.

For those who would want a reliable and the best insurance cover for their vehicles then the comprehensive cover is just the perfect one to acquire. It covers all costs and damages except theft and corrosion. Sometimes this insurance may also cover other legal expenses as well. Due to the high charges that are imposed on third party premium especially for young people, it is essential that you compare the different premiums offered since you may find comprehensive cover being cheaper as opposed to third party cover. How to avoid the high expenses charged on the car insurance.

If you are a 17-year-old and you have just acquired your driver’s license, it is recommended that you take up a driving course to advance your driving skills before you take the insurance cover. This is because the majority of insurance companies always offer discounts for people who have advanced on their driving courses since they have faith in their driving skills.

Also, make sure that you have fully mastered all the road rules and driving techniques before you head to the road. Some of the driving institutes to consider in the UK are the Driving Standards Agency pass and the RPSA.

What used cars are the cheapest to insure?

It is always good to start off with an old model if you are 17 before you buy a new car. There are old car models which are sold at low prices, and you can also find cheap insurance premiums for them too.

The cars are;

  • Dacio Sandero.
    This is among cheapest car in the UK, and it is sold at 5,995 pounds when new. But if you are looking for an old car of this model, you have a chance of buying it at 5000 or even lower than this. It has insurance group 2, and it is spacious making it ideal for first-time car owners.
  • Ford Ka.
    Although a new model of Ford KA may cost a fortune, you can still get this car at a low price of about 5000 pounds. Their insurance covers fall in group 2 and 3 respectively.
  • Toyota Aygo.
    You can get this car with a budget of 5000 pounds, and it falls in group 2 of insurance. The maintenance of the car is also cheap since it runs at 1.0 litre of petrol.
  • Vauxhall Corsa.
    Although a new model of this car will not drain your account, you can start off with a second-hand model which costs just 3000 pounds. The car falls in group 1 and 2 of insurance coverage.
  • Chevrolet Spark.
    This is a cheaper car to insure since it falls in the group 1. Make sure that the model you purchase is not more than 5 years old.
  • Citroen c1.
    This is another category of cheap cars in the UK, and it is in group 1 of insurance. The car can cost you as less than 3000 pounds for 2011 and 2012 models.

Is it cheaper to insure a new car or a used car?

It is cheaper to insure a new car as opposed to an old car. This because there are so many things that are considered when charging both cars such as the safety features.

When it comes to safety features, a new car I safer as compared to an old one. So, if you are looking for a car that will cost you less insurance without minding the initial cost of acquiring the car, consider getting a new car.

About the author

admin

View all posts