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Cheap Car Insurance For A 17-Year-Old

Car Insurance Facts for 17-Year-Old Drivers

  • Teen drivers have the highest car insurance rates because insurers consider them as drivers with little driving experience.
  • It’s far cheaper to add a teen to an existing policy than for them to buy a separate policy.
  • Older and safer vehicles can carry liability-only coverage, which is much cheaper than full coverage insurance.

Car insurance for a 17-year-old driver varies like any other driver. However, 17-year-old drivers have little experience — which makes them high-risk drivers for auto insurance companies. Other factors that may impact the price of car insurance include your location, vehicle, driving history, state’s car insurance requirements, how much coverage you buy, and whether you qualify for any car insurance discounts (e.g., the Good Student Discount).

To give you a better idea about the average price for car insurance for a 17-year-old, we will look at the average annual and monthly rates by state, the difference in premiums for 17-year-old males and females, and the most effective ways to get the cheapest rates from the best car insurance companies.

Are you looking for Toyota Camry or Honda Civic insurance for a 17-year-old? We can help you find car insurance rates for 17-year-olds. Enter your ZIP code above to get the cheapest car insurance for a 17-year-old driver.

How much is car insurance for a 17-year-old?

The average car insurance for a 17-year-old with their policy costs about $4,650 per year or $388 per month.

How much does it cost to add a 16-year-old teenager to car insurance, though? Fortunately, when teens are added onto existing family plans, prices can go down to less than $2,000 per year or $167 monthly.

The average car insurance rates by age vary greatly, and young drivers can have astronomically high rates compared to older drivers. Premiums will also depend on gender, with 17-year-old males paying significantly more than females. That makes cheap car insurance for a 17-year-old a hot commodity and not easy to come by.

What is the cheapest way to insure a teenage driver? Ultimately, cheap car insurance for 17-year-old females and males is only possible by getting insured on their parents’ auto policy.

Determining the cost of coverage for a 17-year-old  depends on many independent factors, including state of residence.

Because states require different amounts of minimum liability coverage, rates in different states can vary widely.

Although the best way to calculate how much you’ll pay in annual or monthly premiums is to complete an insurance comparison with online quotes, we can provide you with the average price of coverage paid by other male and female 17-year-olds in your state.

Cheapest Car Insurance Companies for 17-Year-Old Drivers

The rates below are based on a 17-year-old buying separate policies from Geico, Allstate, Farmers, Nationwide, Progressive, State Farm, Mercury, and Liberty Mutual. The car being insured is a 2017 Honda Accord with a $500 deductible, and the following coverage limits are applied:

  • $100,000 for injury liability on one person
  • $300,000 for all injuries in a single accident
  • $100,000 for property damage

How much is insurance for a 16-year-old with State Farm or Geico insurance for 17-year-olds? Let’s look at the car insurance rates from each insurer below to see how much a policy costs in your state.

Average Annual Car Insurance Rates by Age and Gender
CompaniesAverage Annual Rates for a Single 17-Year-Old FemaleAverage Annual Rates for a Single 17-Year-Old Male
USAA$4,807.54$5,385.61
Geico$5,653.55$6,278.96
Nationwide$5,756.37$7,175.31
State Farm$5,953.88$7,324.34
American Family$5,996.50$8,130.50
Farmers$8,521.97$9,144.04
Progressive$8,689.95$9,625.49
Allstate$9,282.19$10,642.53
Travelers$9,307.32$12,850.91
Liberty Mutual$11,621.01$13,718.69
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Why is car insurance for a 17-year-old driver so expensive? Teens are more likely to get into accidents because they are less experienced drivers. Also, the majority of teen deaths are caused by fatal motor vehicle accidents. Therefore, auto insurance companies prepare for any possibility that a teen could cause accidents. Since most teen accidents produce a higher than average bodily injury and property damage cost, car insurance companies issue higher rates to offset those costs.

Car Insurance For a 17-Year-Old Male

How much is car insurance for a 17-year-old male? Car insurance for a 17-year-old male driver costs, on average, about $4,950. What’s the cheapest car insurance for a 17-year-old male? Let’s examine the cost of auto insurance for a 17-year-old male by state.

Average Annual Car Insurance Rates For a 17-Year-Old Male by State
StatesAverage Annual Car Insurance Rates
Hawaii$1,239
North Carolina$2,148
Iowa$3,640
Idaho$3,763
Nebraska$3,788
Vermont$3,809
Maine$3,948
Missouri$3,958
Virginia$3,997
Illinois$4,008
Wyoming$4,029
New Hampshire$4,100
Pennsylvania$4,112
Alaska$4,155
Kansas$4,160
Ohio$4,166
New York$4,201
Washington$4,316
Arizona$4,375
Montana$4,381
Maryland$4,382
West Virginia$4,389
South Dakota$4,417
Utah$4,445
Massachusetts$4,505
North Dakota$4,559
Minnesota$4,693
New Mexico$4,709
South Carolina$4,818
Mississippi$4,972
Nevada$5,015
Indiana$5,103
Arkansas$5,113
Georgia$5,165
Colorado$5,174
Alabama$5,303
Oregon$5,323
Tennessee$5,327
Kentucky$5,368
Rhode Island$5,447
Wisconsin$5,456
Texas$5,551
Florida$6,186
California$6,283
Oklahoma$6,320
New Jersey$6,516
District of Columbia$7,412
Louisiana$7,693
Connecticut$8,076
Michigan$8,485
Delaware$9,258
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As expected, 17-year-olds in states like California, Texas, Florida, New York, Connecticut, Tennessee, Michigan, Delaware, Louisiana, and New Jersey pay some of the highest rates. On the other hand, the cheapest states to insure a teen male driver include North Carolina, Iowa, Idaho, Nebraska, Vermont, Maine, and Missouri.

Car Insurance For a 17-Year-Old Female

How much is car insurance for a 17-year-old female? Car insurance for a 17-year-old female driver costs about $4,100 on average. What’s the cheapest car insurance for a 17-year-old female? Teen female drivers are generally cheaper to insure than males.

Average Annual Car Insurance Rates For a 17-Year-Old Female by State
StatesAverage Annual Car Insurance Rates
Hawaii$1,239
North Carolina$2,146
Idaho$2,690
Iowa$2,736
Vermont$3,018
Maine$3,064
Nebraska$3,088
Illinois$3,108
Wyoming$3,158
Kansas$3,234
Alaska$3,264
Virginia$3,275
New Hampshire$3,280
Missouri$3,337
Ohio$3,344
North Dakota$3,450
South Dakota$3,457
Utah$3,533
Minnesota$3,679
New York$3,681
Maryland$3,684
New Mexico$3,694
Washington$3,735
West Virginia$3,803
Arizona$3,866
Indiana$4,029
Georgia$4,036
South Carolina$4,097
Alabama$4,130
Wisconsin$4,141
Pennsylvania$4,163
Tennessee$4,197
Nevada$4,243
Colorado$4,263
Mississippi$4,271
Montana$4,281
Texas$4,311
Arkansas$4,442
Rhode Island$4,483
Massachusetts$4,505
Kentucky$4,814
California$5,072
Florida$5,117
Oregon$5,186
New Jersey$5,354
Oklahoma$5,460
District of Columbia$5,591
Connecticut$6,229
Louisiana$6,278
Delaware$7,180
Michigan$8,508
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17-year-old females in Michigan, Delaware, Louisiana, Connecticut, Oklahoma, New Jersey, Oregon, Florida, California, and Texas pay some of the most expensive insurance rates in the US. The cheapest states to insure a teen female driver include North Carolina, Idaho, Iowa, Vermont, Maine, Nebraska, Illinois, Wyoming, and Kansas.

Just remember that these prices are for teens with individual policies and liability coverage, not full coverage insurance.

Male and female 17-year-old drivers who get added to their parents’ car insurance should expect to pay much lower premiums.

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Liability-Only Car Insurance For 17-Year-Olds

One way to guarantee cheaper car insurance for a 17-year-old driver is buying only the minimum amount of coverage required by your state. Liability insurance paired with the minimum level of coverage generally yields the lowest rates.

You can see your state’s minimum level of required coverage over at the Insurance Information Institute. Be mindful that liability insurance will protect others but not cover your injuries or car repairs in the event of a collision.

Liability-Only Car Insurance For 17-Year-Old Males

The table below details the cost of the minimum required liability coverage for a teen male.

Average Annual Liability-Only Car Insurance Rates For a 17-Year-Old Male by State
StatesAverage Annual Car Insurance Rates
North Carolina$799
Hawaii$434
Michigan$6,562
Delaware$4,147
Connecticut$3,926
District of Columbia$2,965
Oregon$2,865
New Jersey$2,566
Louisiana$2,519
Rhode Island$2,480
Florida$2,292
Minnesota$2,177
Maryland$2,126
Colorado$2,051
Oklahoma$2,051
Kentucky$2,005
New York$1,981
Tennessee$1,973
Massachusetts$1,960
Texas$1,929
Indiana$1,907
Washington$1,845
Utah$1,843
Georgia$1,833
Nevada$1,829
Arkansas$1,815
Wisconsin$1,779
Alabama$1,759
Arizona$1,742
Ohio$1,701
South Carolina$1,692
California$1,682
New Mexico$1,679
Mississippi$1,677
New Hampshire$1,638
West Virginia$1,612
Virginia$1,509
Illinois$1,502
Pennsylvania$1,408
Missouri$1,373
Maine$1,298
Idaho$1,277
South Dakota$1,256
Nebraska$1,252
Kansas$1,243
Vermont$1,218
Montana$1,209
North Dakota$1,209
Iowa$1,155
Alaska$1,141
Wyoming$1,139
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The average cost of cheap car insurance for 17-year-old males is about $1,900 per year. Even for young male drivers, rates decrease when coverage is lowered to the minimum. Still, a 17-year-old male will get a lower premium and better policy when added to a parent’s plan.

Liability-Only Car Insurance For 17-Year-Old Females

The table below details the cost of the minimum required liability coverage for a teen female.

Average Annual Liability-Only Car Insurance Rates For a 17-Year-Old Female by State
StatesAverage Annual Car Insurance Rates
Vermont$1,011
Alaska$1,012
Iowa$1,033
South Dakota$1,058
Nebraska$1,113
North Dakota$1,124
Idaho$1,125
Missouri$1,132
Kansas$1,155
Virginia$1,171
Illinois$1,186
Montana$1,204
Maine$1,230
New Hampshire$1,273
Alabama$1,303
New Mexico$1,307
Pennsylvania$1,339
Ohio$1,401
West Virginia$1,413
California$1,435
Kentucky$1,459
Arkansas$1,468
Wisconsin$1,482
Tennessee$1,504
Indiana$1,508
Nevada$1,529
Georgia$1,537
Arizona$1,544
Washington$1,551
Mississippi$1,560
South Carolina$1,565
New York$1,594
Colorado$1,642
Oklahoma$1,683
Utah$1,728
Maryland$1,731
Texas$1,731
Florida$2,066
Louisiana$2,090
Minnesota$2,160
New Jersey$2,225
Massachusetts$2,260
Rhode Island$2,321
District of Columbia$2,684
Connecticut$2,768
Oregon$2,776
Delaware$2,997
Michigan$6,633
Hawaii$434
North Carolina$822
Wyoming$899
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The average cost of cheap car insurance for 17-year-old females is about $1,650 per year. At roughly $140 per month, teen drivers may be tempted to buy their insurance policy; however, premiums could be even lower if they’re added to their parents’ plan.

Use Discounts to Get Cheap Car Insurance for a 17-Year-Old Driver

If your teen has an old car and uses liability-only auto insurance, you can stack your savings with discounts. Teen drivers with good grades and a defensive driver certificate can save hundreds more on your car insurance policy. Male teen drivers can save up to $350 per year with defensive driver and good student discounts. Also, female drivers can save up to $220 per year under the same discounts.

Can a 17-year-old get car insurance?

Can a 17-year-old have their own auto insurance policy?

The short answer is yes. While most states allow teens to have their insurance coverage, there is one caveat: a parent or legal guardian must co-sign the purchase of the vehicle as well as the insurance policy. This is because minors are generally not allowed to enter into a contract legally, so they cannot sign for car insurance alone.

Whether you’re 17 or 77, you can use our free tool below to get an insurance quote today.

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Five Tips on How to Find the Best Car Insurance for a 17-Year-Old

How to get cheap car insurance at 17?

Getting the best car insurance for a 17-year-old comes down to a few factors. Even if you plan on adding your teen to your existing policy at your current provider, there are ways to get cheaper insurance for a 17-year-old. Here are some strategies for finding the cheapest car insurance quotes for 17-year-old male and female drivers.

Get Insurance on an Old, Used Car

What is the cheapest cars to insure for 17-year-olds in 2020? The most affordable cars to get insured on at 17 are old sedans and vans from top automakers. Some of the best makes and models for low premiums include the Honda Accord, Honda Civic, Toyota Camry, Toyota Corolla, Ford Taurus, Toyota Tacoma, Hyundai Santa Fe, Honda Odyssey, Ford F-150, and Jeep Liberty.

Young drivers should consider vehicles with safety features such as anti-lock brakes, airbags, traction control, and alarm systems.

The monetary value of a vehicle is also important. Older cars typically cost less and will be cheaper to repair, so insurers take that into account. You can check the value of a vehicle at Kelley Blue Book.

Ask for Discounts

The “Good Student,” “Safe Driver,” and “Student Away at School” discounts are available at most of the best insurance companies. Moreover, taking a driver’s education class or defensive driving course can also help teenagers lower their rates. Be sure to ask your agent if you qualify for any of these discounts.

Maintain a Clean Driving History

Keeping a clean driving record is an easier way for young adult drivers to maintain cheaper rates. Avoid moving violations that could raise your premiums for up to three years, particularly speeding tickets.

Limit Driving Time

If your 17-year-old boy or girl has his/her car, make sure to limit their driving time to minimize the chances of an accident. Some insurance companies base part of their risk calculation on the number of miles driven each year.

If your child is only driving to and from school or work, estimate the number of miles between these locations and report the figure for a low mileage discount.

Compare Car Insurance Quotes

You can enter your ZIP code in the tool below to get free quotes from several insurers and compare them.

Sometimes the lowest price isn’t necessarily the best value.

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How much does car insurance increase if a 17-year-old has an accident?

Auto insurance companies already charge a lot of money for young drivers. An accident could increase your rates even more. When a 17-year-old driver is involved in an accident, your car insurance rates could increase by $300 at the six-month mark of your policy. After a year, your rates can increase by $600.

Since auto insurance companies look at driving records and insurance histories for three years, you could see an increase in auto insurance of $1,800. Fortunately, most auto insurance discounts can cut these costs. If you can’t get these rates down before after a year, start shopping for a more affordable auto insurance policy.

How Safety Ratings Affect Car Insurance Rates

Safety ratings are as important to insurance companies as they are to you. If a vehicle has good safety ratings, insurers can expect fewer injuries and lower claim payouts.

This video from the Insurance Institute for Highway Safety (IIHS) talks about how to choose the right car for your teen.

You can find safety ratings for a particular vehicle at IIHS.org and crash test ratings at NHTSA.gov. Edmunds reports their most important safety technologies, which include adaptive cruise control and blind-spot monitoring.

Instant Car Insurance Quotes

Getting an instant car insurance quote has never been easier. Quick online quotes make comparison shopping simple and convenient, allowing you to find the best rates, companies, policies, and types of coverage for your family.

With this link, you can find the best car insurance for young adults in your area. If you’re ready to buy car insurance for 17-year-olds, enter your ZIP code to get car insurance quotes for 17-year-olds from multiple insurers. Find affordable car insurance for 17-year-olds now. Which car insurance company for 17-year-olds is for you? Find out now.


References:

  1. https://www.iii.org/automobile-financial-responsibility-laws-by-state
  2. https://www.kbb.com/company/faq/values/