Car Insurance for 17 Year olds

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Nothing can beat the feeling of passing your driving test and sitting behind the wheel of your very first car. Arranging insurance isn’t as exciting, but it is essential to get on the road!
Let’s not beat around the bush, car insurance for 17-year olds is expensive but it’s not all bad. There are ways your insurance premium can be a bit less painful in your first year.

Why is car insurance more expensive for young drivers?

It might not seem fair that your insurance is so costly, especially for your first policy but we’ll explain why. All insurance quotes and premiums are based on risk. Your insurer assesses the chance of paying out for a claim and price your premium on this risk.

At 17, you have very little driving experience. Government statistics suggests that 1 in 5 young drivers are involved in an accident within the first 6 months of passing their test- that’s a lot of risk for insurers. Therefore, insurers will quote premiums based on the likely to cover the cost of more claims.

By installing our clever black box, we help you become a better and safer driver by sharing useful feedback with you. We base our quotes on your driving skills rather than the national average or statistical data for young people. This means cheaper car insurance for better drivers while helping you to understand and improve areas which you may need some development- nobody is perfect!

We trust young drivers to drive safely so we continue to offer our lowest premiums at the start of their policy, rather than offer cashback later on. Drivers who continually drive dangerously in their own car may be charged an additional premium as they’re more likely to be involved in an accident. Thankfully, over 90% of Marmalade customers aren’t affected.
You and your named drivers can check how you’re driving on our driving portal and app.

Read more about Insurance for new drivers…

How can 17-year olds keep their car insurance down?

Insurers take lots of factors into consideration when calculating a premium. Although there are some factors you can’t change like your postcode or occupation, there are ways to make your cost more manageable:
  • Black Box Insurance - choosing a black box policy can save you money as the box measures your driving skills. This allows your premium to be tailored to the way you drive rather than how young people drive in general – and you can earn safe driving discounts at renewal.
  • Less powerful vehicles - a sporty new motor may be tempting, but at 17 it will be very pricey! A less powerful car will be seen as a lower risk to an insurer, saving you valuable pennies!
  • Newer vs old - if you’re thinking about buying an old banger because its cheap, you’re likely to be quoted more to insure it as it is less likely to have safety features that newer cars have today, so there’s a higher risk of being involved in an accident.

Why is Black Box Insurance a good option for young drivers?

Remember the statistic mentioned earlier, 1 in 5 young drivers are involved in an accident within 6 months? Marmalade customers are 3 times less likely to be involved in an accident within 6 months*,Our Black Box Insurance is designed with your unique needs in mind:
  • No curfews
  • Cover on full or provisional licences
  • Choose cover on your own car or your parents’ vehicle
  • Price stays the same before and after you pass your test
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Choose the policy that’s right for you
Use our handy tool to discover the options that may be suitable for getting insured at 17 in your own car or a car your borrow!
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