The digital divide remains an ongoing societal concern, with digital exclusion shown to have a significantly detrimental impact on people’s quality of life. Artificial intelligence (AI), the latest wave of digitalisation, is being integrated into the fabric of society at an accelerated rate, the speed of which has prompted ethical concerns. Without addressing the digital divide, the AI revolution risks exacerbating the existing consequences of digital exclusion and limiting the potential for all people to reap the benefits provided by AI. To understand the factors that might contribute to experiences of AI, and how these might be related to digital exclusion, we surveyed a diverse online community sample (N = 303). We created a novel measure of digital confidence capturing individual levels of awareness, familiarity, and sense of competence with digital technology. Results indicated that measures of digital confidence were predicted by structural, behavioural, and psychological differences, such that women, older people, those on lower salaries, people with less digital access, and those with lower digital well-being, reported significantly less digital confidence. Furthermore, digital confidence significantly moderated the relationship between people’s experiences with everyday AI technologies and their general attitudes towards AI. This understanding of the spill-over effects of digital exclusion onto experiences of AI is fundamental to the articulation and delivery of inclusive AI.