Car Insurance for 17 Years Olds

Whether you're searching for the best car insurance for 17 year olds, or simply comparing car insurance quotes for 17 year olds, this guide has got you covered. 

But first, let’s learn about the driving license as it’s mandatory to get car insurance in UAE.

Can a 17-Year-Old Get a Driving Licence in the UAE?

Yes, but with a catch. You can start applying for a licence at 17 years and 6 months, but

• You’ll only get the actual driving licence when you turn 18
• You must complete training from an RTA-approved driving school

Why is Car Insurance in UAE So Expensive for 17-Year-Olds?

Car insurance companies calculate premiums based on risk. And unfortunately, 17-year-olds are considered high-risk drivers due to —

• Lack of driving experience
• Higher accident probability (Teens are statistically more likely to get into accidents)
• Distractions (Use of phones, loud music, or peer influence are major risks)
• Lower caution levels (most teens are single and take more risks)

These risk factors lead to higher premiums for teen drivers across the board.

Best Car Insurance for 17 Year Olds in the UAE

Here, we compare car insurance quotes for 17 year olds to help you make informed decisions —

1. Comprehensive Plan – Orient Insurance (Silver Garage)

Best for: This car insurance in UAE is suitable for those who own a new or relatively high-value vehicle and want full protection.

Details	Description
Premium Type	Based on car value
Excess (Deductible)	AED 500
Damage to Own Vehicle	Covered up to full car value
Third-Party Liability	Up to AED 3.5 Million (UAE Only)
Blood Money	Unlimited (As per UAE Court)
Fire & Theft Cover	Up to AED 1,000
Personal Belongings	Up to AED 4,000
Emergency Medical Expenses	Up to AED 3,500
Personal Injury	Up to AED 20,000
Off-Road Cover	Included for 4WDs only
Windscreen Damage	Included
Ambulance Services	Included
Valet Parking & Taxi Fare Cover	Included

Included Add-ons (Free):

• Roadside Assistance (battery, lockout, flat tyre, fuel delivery)
• Natural Calamity Cover
• Free Life Insurance policy

Optional Add-ons (Paid):

• PA Cover (Driver/Passenger) – AED 60 each
• Oman Cover (Per trip) – AED 100
• Replacement Vehicle (7 days) – AED 222

Note: Agency repair is not included in this policy. It is suitable for the ones who don’t need brand-authorised repairs.

2. RAKINSURANCE – Third Party Only

Best for: Budget-conscious teen drivers or those with older/pre-owned vehicles. This plan is cheaper, but covers only damages you cause to others, not your vehicle.

Details	Description
Third-Party Liability	Up to AED 2 Million (UAE Only)
Blood Money	Unlimited
Damage to Own Vehicle	Not Covered

Optional Add-on:

• Orange Card (For Oman travel): AED 650
• Driver & Passenger PA Cover (AED 200,000 each)
• Roadside Assistance

Extra Perks:

• 12 Free Car Washes
• Up to 50% Discounts on car maintenance
• Other benefits worth AED 2,740

Roadside Assistance Features:

• Towing, battery, fuel delivery, flat tyre, lockout (Same city)
• Off-road recovery included

3. QIC – Third Party Liability Plan

Best for: Drivers who want reliable third-party protection with decent emergency support should purchase this car insurance for 17 year olds.

Details	Description
Third-Party Liability	Up to AED 2 Million (UAE Only)
Blood Money	Unlimited
Damage to Own Vehicle	Not Covered
Windscreen Damage	Not Covered

Free Add-ons:

• Driver & Passenger PA Cover (AED 200,000 each)
• Bronze Roadside Assistance (limited usage)

Optional Add-on:

• Orange Card (Oman travel): AED 150

Roadside Assistance Benefits:

• Accident & breakdown recovery (2x/year, same city)
• Mechanical assistance
• Battery service, flat tyre, fuel delivery

Features Comparison 

Feature	Orient	RAKINSURANCE	QIC
Coverage Type	Comprehensive	Third-Party	Third-Party
Third-Party Limit	AED 3.5M	AED 2M	AED 2M
Own Damage Cover	✅ Yes	❌ No	❌ No
Driver/Passenger PA Cover	Optional (AED 60 each)	Free	Free
Replacement Vehicle	Optional (7 days – AED 222)	❌	❌
Oman Cover	AED 100 per trip	AED 650	AED 150
Ambulance/Taxi Fare	✅ Included	❌	❌
Valet Parking Cover	✅ Included	❌	❌
Off-Road Recovery	4WD Only	✅	✅

Required Documents to Apply for Car Insurance in UAE

To apply for car insurance in UAE, you’ll need —

• Old Mulkiya (Registration Card)
• Previous Insurance Policy 
• Emirates ID
• Engine Number 
• Chassis Number 
• Valid Driving Licence 

Factors Affecting 17 Year Old Car Insurance in UAE

Here you can learn how age and experience shape premium prices, helping parents and teens understand what they can control —

1. Age

Age Group	Risk Level	Premium Impact
18-25 years (Young)	High	Highest premiums
26-45 years (Adult)	Low	Lowest premiums
46-65 years (Older)	Medium	Slight increase after age 60

2. Driving Experience

• New drivers (0–2 years) pay more
• Experienced drivers (5+ years) get better rates and discounts
• Expats may get their international experience considered (depending on insurer)

Scenario: A 22-year-old with 4 years of experience will likely pay less than an 18-year-old who just got licensed.

How to Save Money on Your Car Insurance for 17 Year Olds in UAE?

Despite high premiums, there are smart ways to cut costs and maximise savings —

Government-Backed Discounts

Type of Discount	Savings
Accident-Free Record (1-3 years)	10%–20%
Returning Customer	10%
Electric/Gas Vehicle Discount	25%
Fleet Discount (for 5+ vehicles)	Varies

Additional Tips