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Trust the UK's leading specialist in young driver insurance¹ to help you compare insurance options - and find your cover

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Cheap car insurance for young drivers

Since 2006, we’ve been on a mission to make car insurance for young drivers more affordable and accessible! So, we’re here to help you compare new driver insurance options available and answer your burning questions to help you get cheaper car insurance.

Young drivers could save over £300 insuring their own car with Marmalade versus the average UK quote for drivers aged under 25 (Consumer Intelligence Price Index - June 2022). Or, if getting your own car is out of reach, we can help make getting on the road even cheaper with savings of up to £1000, for young drivers who choose our flexible car sharing insurance.

Compare car insurance options for new drivers

One size doesn’t fit all when it comes to getting car insurance for new drivers
Answer a couple of quick questions and we'll help you find your cover!

What type of insurance do young drivers need?

If you’re looking for insurance cover that protects you and any other parties involved should you have an accident, comprehensive cover is the best, and often the cheapest option. Comprehensive cover gives you the peace of mind that should you be involved in an accident, your car repairs or cost for replacement will be sorted so you won’t have to foot the entire bill yourself.

Other insurance options are Third Party which, as the name suggests, covers only the third party if you’re in an accident, and Third-Party Fire & Theft which also covers you should your car be stolen.

Car Insurance for Young Drivers

We’ve said it once and we’ll say it again, insurance isn’t a one size fits all kind of thing – your cover, and the cost of your cover will depend on your circumstances. Don’t assume that a full annual policy on a car you own is your only option – cover on a parent's car, or temporary car insurance may suit you better.

There are so many different options to get you cheap insurance - it’s all about finding the right policy for you. Using our handy product finder tools is the quickest and easiest way to save you money on your insurance.

How much does car insurance cost for young drivers?

The average cost of insuring a young driver’s own car with Marmalade is £1367, versus the UK national average price of £1669 for a 17-25 year-old (based on Consumer Intelligence Car Insurance Price index (June 2022). For young drivers without their own car – car sharing insurance mean there are further savings that could be made.

For young drivers without their own car – car sharing insurance allows savings of up to £1000 to be made – as our average Pay as You Go Insurance customer pays less than £543 for a year’s cover!
    Average cost of Marmalade young driver insurance

    What new driver car insurance options are there?

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    Own car Insurance

    Black box technology could help you save £300 on insuring your own car – plus you can earn a safe driving discount of up to 25%³ at renewal!
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    Insurance by the mile

    New drivers can pay just for the miles they drive with Pay as You Go Insurance – useful for sharing a parent’s car if you’re not driving regularly.
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    Named Driver Insurance

    Affordable cover on the family car that won’t affect your parents’ precious No Claims Discount – plus, you’ll start earning your own NCD!
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    Short term learner insurance

    Monthly insurance for learner drivers helps provisional licence holders practise their skills in a parent’s or friend’s car.

    Car sharing insurance for young drivers

    The cost of buying a second-hand car has spiralled over the last year creating bigger barriers to young drivers getting on the road. Pair this with fluctuating fuel prices and an increase in remote working - families are seeking more flexible car insurance options.

    Car sharing insurance allows flexibility for young drivers to get behind the wheel, without needing to invest in a new car. They are standalone policies that sit alongside the main insurance, covering the young driver when they are behind the wheel – meaning there is no risk to the car owner’s No Claims Discount.

    Not only could this be more cost-effective, but it’s also better for our planet too. This comprehensive cover is available on a short-term, pay as you go and annual basis. So, there’s pretty much something for everyone!

    Are black box policies cheaper for young drivers?

    Choosing black box car insurance is likely to be the cheapest and a great insurance option for new drivers as you have little or no driving history. Our data tells us that our black box insurance customers pay over £300 less than the national average. So, how does this tech make insurance cheaper for young drivers?

    • - This technology is proven to reduce the risk of an accident. Marmalade customers are nearly 3 times less likely to have an accident in their first year of driving versus the national average²!
    • - Reducing the risk being involved in an accident, reduces the risk of a claim in turn. The less an insurer needs to spend on claims, the better the price they can offer their customers. It’s simple really!
    • - The price is based on how the individual drives, rather than young drivers in general – meaning safer drivers earn bigger discounts. Marmalade customers can earn an extra safe driving discount of up to 25% off their renewal (on top of any No Claims Discount earned!)

    Our black box insurance is underwritten by a panel of insurers – why not get a quote today?

    Frequently asked questions

    Can short term car insurance options save young drivers money?arrow
    Yes – short term insurance is a great and cheap way for young drivers to get behind the wheel, if they’re unsure what car they’ll be driving in the long term.
    Is it cheaper for young drivers to drive their parents' car?arrow
    Driving a parent’s car is a great way to save money, because the young driver doesn’t have to buy their own set of wheels. There’s also loads of great insurance options for driving a parent’s car too, like Named Young Driver Insurance and Pay as You Go Insurance.
    What is the cheapest car insurance for young drivers?arrow
    This will always depend on the young drivers' circumstances at the time – are they driving their own car or their parents’? Is it short term or annual cover? Our product finder is a handy way to start your search for the cheapest car insurance for you.
    What is the best insurance group for young drivers?arrow
    Getting a car in the lowest insurance group possible will help you save on insurance costs. Check out our handy guide to insurance groups here.
    Are newer cars cheaper to insure for young drivers?arrow
    There are loads of perks that come with having a new car as they are likely to include more safety features than an older car. However, as insurance is based on a number of factors, and each insurer's approach will vary. There's no obligation to buy if you get a quote - so it's a good idea to get a quote on a car you are considering before you sign on the dotted line!
    What are the best cars to insure for young drivers?arrow
    Generally smaller, less powerful cars are the cheapest to insure for young drivers, but it’s also worth thinking about long term driving when making the investment. Here’s a list of the best first cars for young drivers.
    How can young drivers lower car insurance premiums?arrow
    Black Box technology is a great way for young drivers to keep down their insurance premiums. You’re rewarded with lower premiums and savings for driving safely.
    Am I insured to take my driving test?arrow
    All of our policies that cover you on a provisional licence provide cover for the driving test. Please read our advice on taking the driving test in your own car to find out about what you need in order to be able to take the driving test in your car.
    Do you provide young driver insurance in NI?arrow
    Yes, you’ll be pleased to know that our Young Driver Insurance is available in the majority of UK postcodes including Northern Ireland.
    What is the best insurance strategy for 17 and 18 year oldsarrow
    Buying car insurance for 17 and 18 year olds can be confusing and sometimes, more expensive than you may have first thought. As experts in young driver insurance, we are dedicated to bringing you a range of options whether you are a learner or full licence holder, a car owner or looking to use a parent's car. We can help you compare insurance options for 17 and 18 year olds.
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    Best cars for young drivers

    Looking for the best first car as a new driver? We've got you sorted... here's our top 8!

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    8 ways to save money on your insurance

    We all want to save money on our car insurance, right?! Here's our top 8 ways that'll see you saving in no time!

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    Advice for parents

    Parent's - we know it's a scary time getting your child on the road, but there's no need to worry - we've got help and advice for you right here!

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