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Car Insurance For A 17 Year Old

As a young teenage driver, you may be wondering how much is car insurance for a 17 year old. The average car insurance rates for a 17 year old with his/her own policy are about $4,650 per year, or about $388 per month. Fortunately, when teens are simply added onto existing family plans, prices can go down to less than $2,000 per year, or $167 monthly.

While your premiums will greatly depend on your gender, with 17 year old males paying significantly more than females, other factors such as where you live, what type of car you drive, your driving history, your state’s insurance requirements and laws, how much coverage you buy, and whether you qualify for any discounts (e.g. the Good Student Discount) can impact the price of insurance for an 17-year-old. Ultimately, cheap car insurance for 17 year old females and males is only possible by getting insured on your parents’ auto policy.

To give you a comprehensive idea about the average cost of car insurance for a 17 year old, we’ve broken down the average annual and monthly rates by state. Furthermore, teens will be able to compare the difference in premiums for 17 year old males and females as well as learn about the top ways to get the cheapest insurance from the best companies.

Car Insurance For A 17 Year Old

How Much Is Car Insurance For A 17 Year Old?

Determining the cost of car insurance for a 17 year old male and female depends on many independent factors, including which state you live in. Because most states require different amounts of minimum liability insurance coverage, rates in different states can vary widely. Although the best way to calculate exactly 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.

The rates below are based on a 17 year old buying a separate policy 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:

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

Here’s how much car insurance costs for a 17 year old male and female in the United States.

Car Insurance For 17 Year Old Male

Car insurance for a 17 year old male driver costs, on average, about $4,950. 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 in the country. On the other hand, the cheapest states to insure a teen male driver include North Carolina, Iowa, Idaho, Nebraska, Vermont, Maine, and Missouri.

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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Car Insurance For 17 Year Old Female

Car insurance for a 17 year old female driver costs, on average, about $4,100. Naturally, teen female drivers are generally cheaper to insure than males. Furthermore, 17-year-old females in Michigan, Delaware, Louisiana, Connecticut, Oklahoma, New Jersey, Oregon, Florida, California and Texas get some of the most expensive insurance rates in the US. On the contrary, the cheapest states to insure a female driver include North Carolina, Idaho, Iowa, Vermont, Maine, Nebraska, Illinois, Wyoming and Kansas.

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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Just remember that these prices are for teens with individual, separate policies with 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.

Cheap Car Insurance For 17 Year Olds

One way to get cheap car insurance for 17 year old drivers is to make sure you only buy the minimum amount of coverage required by your state. Liability insurance paired with the minimum level of coverage generally yields the lowest rates. Be mindful that buying just the required policy means that your insurance will protect others, but not cover your own injuries or car repairs.

Check out the tables below to see how much cheap car insurance for 17 year old males and females will cost by state.

Cheap Car Insurance For 17 Year Old

Cheap Car Insurance For 17 Year Old Males

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 dramatically when coverage is lowered to the minimum. Nevertheless, a 17 year old boy will still get a lower premium and better policy when added to a parents’ plan.

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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Cheap Car Insurance For 17 Year Old Females

Similarly, 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 own insurance policy; however, premiums could be even lower when insured with parents.

Average Annual Liability-Only Car Insurance Rates For a 17-Year-Old Feale 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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Can A 17 Year Old Get Their Own Car Insurance?

The short answer is yes, a 17 year old can get their own car insurance. While most states allow teens to have their own 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, generally, minors are not allowed to legally enter into a contract so they are unable to sign for auto insurance alone.

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Best Car Insurance For a 17 Year Old

Getting the best car insurance for a 17 year old really comes down to a few factors. Even if you simply 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 insured on an old, used car. The cheapest cars to get insured on at 17 are old sedans and vans from the top auto makers. 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, Jeep Liberty, etc. The best cars for young drivers also come with safety features such as anti-lock brakes, airbags, traction control, and an alarm system.
  • 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. And while some insurers will ask if you qualify for these additional discounts, it is up to you to talk to your agent and get them applied to save you money.
  • Maintain a clean driving history. Keeping a clean driving record is probably the most important way for young adult drivers to get cheap rates and keep them. Avoid moving violations, especially speeding tickets, that will make your premiums go up for 3 years.
  • Limit driving time. If your 17-year-old boy or girl has his/her own 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 kid is only driving to and from school and/or maybe to work, estimate the number of miles between these locations and report the figure for a “low mileage” discount.
  • Compare quotes. Get online quotes from multiple insurance companies before buying coverage. Even if you don’t plan on switching providers, using a lower rate quote from a competing carrier can be a negotiation tactic. When completing an insurance comparison, make sure you review how much coverage and what types of services you are getting for your money. Sometimes the lowest price isn’t necessarily the best value.

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. If you’re ready to save money with lower premiums, enter your zip code and choose one of the top insurers in your area for a free rate quote.