Young Driver Insurance
If you’re looking for the best car insurance for young drivers, here’s our guide to Marmalade’s flexible insurance options for new drivers
Young Driver Car Insurance options
After you’ve got over the initial excitement of getting your provisional licence or passing your test – the cost of getting on the road can come as a shock – whether you’re looking to insure your own car or get added as a named driver on your parents’ policy!
Fear not, Marmalade have some fantastic new driver insurance options to help you get on the road in a more affordable way – on your own set of wheels or on a parent’s car.
Why is new driver insurance so expensive?
It’s an unfortunate fact that young drivers are statistically more likely to be involved in an accident than more experienced drivers. Young drivers are a higher risk group, and unfortunately, higher risk inevitably equals higher premiums. All is not lost though.
Black box insurance can help young drivers get on the road in a more affordable way – as they can prove themselves as safe drivers and earn a discount at renewal based on their own driving score. Drivers with a black box are also less likely to be involved in an accident, so having one will increase the likelihood that you’ll earn your No Claims Discount!
How to get cheap car insurance for young drivers
Insurance for new drivers is never going to be "cheap" but we can give you tips to reduce the cost of car insurance to make it as affordable as it can be. These tips will help you find the best type of cover for you and should save you a few pennies!
Establish how much you'll be drivingBefore you start getting quotes, think about the miles you'll be driving so you pay a fair price for the amount you'll be driving. If you're driving less than 3500 miles per year, you could consider pay as you go car insurance.
Decide if you need a car of your own
Think of how much you'd save if you didn't need to pay to run your own car! If you're living at home, sharing a car with a parent could be a more affordable way to get on the road - plus you could start earning your own no claims ready for when you do get a car of your own.
Drive a small car in a low insurance group
Choosing a sporty turbo charged hatchback may seem appealing, but it will push the price of cover right up. To save money as a new driver, driving a small, less powerful car in a low insurance group, will help keep the price down.
Add an experienced named driver
Adding a parent or experienced driver, who has a clean licence, to your policy could bring the cost of cover down.
Temporary car insurance for young drivers with Marmalade covers you to share a family car or friends car. Here are 3 great options from learner to full licence:
- Learner Driver Insurance covers provisional licence holders to drive a friend's car or family car for driving practice before the driving test. Choose cover from 30 days to 6 months.
- Student Driver Insurance gives university and boarding school students short term car insurance from 1 - 6 weeks to borrow a family or friend's car in the holidays.
- Pay As You Go Insurance is a great way to get cheaper car insurance for new drivers as you just pay for the miles you drive - and top up when you need to!
- Black Box Insurance covers learners and new driver on their own car. It allows them to prove they’re great drivers to save money on their insurance and earn their own No Claims Discount.
- Named Young Driver Insurance provides seamless cover from learner to full licence on a parent’s car – allowing them to build their own NCD, with no risk their parents’.
Get a quick quote today!
Find the best insurance for new drivers
Tips to find the best insurance for young drivers
How much is insurance for a new driver?
The cost of your insurance will depend on a number of factors, including your age, where you live, the car you’re driving, your driving history, the miles you drive and your occupation (to name just a few!).
Here’s an idea as to what young drivers could expect to pay with a black box, based on averages paid by young Marmalade drivers:
Here’s an idea as to what young drivers could expect to pay with a black box, based on averages paid by young Marmalade drivers:
Here's the data behind the the stats...
- £1207.37 was the average cost of insurance for young drivers aged 17-24, based on Marmalade Black Box Insurance new business sales from 1.01.2020 - 31.12.2020.
- Customers save 23% on average at their first renewal, based on Marmalade Black Box Insurance renewals from 1.08.2020 to 31.01.2021.
- The average Black Box Insurance quote for a young learner driver is £373 less than the average quote for a full licence holder, and the average Named Young Driver Insurance quote is £169 less².
Frequently asked questions
The best car insurance for new drivers that are the main driver of the car, is an insurance policy in their name to ensure they have the right cover. Adding a parent to the policy can reduce the premium in some cases.
However, the average car insurance quote for young drivers in the UK (aged under 25) is £1954*, so if you're looking for an annual policy getting a quote less than £1000 is less likely but you'll be pleased to know that we've written a guide for new drivers on how to save money on car insurance. You're welcome!
If you're going to drive the same car you've been practising in after your driving test, it may be worth buying an annual policy with Marmalade as the price won't go up on passing your test during that year.
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