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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.

StateAverage Insurance Rates
Alabama$5,303
Alaska$4,155
Arizona$4,375
Arkansas$5,113
California$6,283
Colorado$5,174
Connecticut$8,076
Delaware$9,258
District of Columbia$7,412
Florida$6,186
Georgia$5,165
Hawaii$1,239
Idaho$3,763
Illinois$4,008
Indiana$5,103
Iowa$3,640
Kansas$4,160
Kentucky$5,368
Louisiana$7,693
Maine$3,948
Maryland$4,382
Massachusetts$4,505
Michigan$8,485
Minnesota$4,693
Mississippi$4,972
Missouri$3,958
Montana$4,381
Nebraska$3,788
Nevada$5,015
New Hampshire$4,100
New Jersey$6,516
New Mexico$4,709
New York$4,201
North Carolina$2,148
North Dakota$4,559
Ohio$4,166
Oklahoma$6,320
Oregon$5,323
Pennsylvania$4,112
Rhode Island$5,447
South Carolina$4,818
South Dakota$4,417
Tennessee$5,327
Texas$5,551
Utah$4,445
Vermont$3,809
Virginia$3,997
Washington$4,316
West Virginia$4,389
Wisconsin$5,456
Wyoming$4,029

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.

StateAverage Insurance Rates
Alabama$4,130
Alaska$3,264
Arizona$3,866
Arkansas$4,442
California$5,072
Colorado$4,263
Connecticut$6,229
Delaware$7,180
District of Columbia$5,591
Florida$5,117
Georgia$4,036
Hawaii$1,239
Idaho$2,690
Illinois$3,108
Indiana$4,029
Iowa$2,736
Kansas$3,234
Kentucky$4,814
Louisiana$6,278
Maine$3,064
Maryland$3,684
Massachusetts$4,505
Michigan$8,508
Minnesota$3,679
Mississippi$4,271
Missouri$3,337
Montana$4,281
Nebraska$3,088
Nevada$4,243
New Hampshire$3,280
New Jersey$5,354
New Mexico$3,694
New York$3,681
North Carolina$2,146
North Dakota$3,450
Ohio$3,344
Oklahoma$5,460
Oregon$5,186
Pennsylvania$4,163
Rhode Island$4,483
South Carolina$4,097
South Dakota$3,457
Tennessee$4,197
Texas$4,311
Utah$3,533
Vermont$3,018
Virginia$3,275
Washington$3,735
West Virginia$3,803
Wisconsin$4,141
Wyoming$3,158

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.

StateAverage Insurance Rates
Alabama$1,759
Alaska$1,141
Arizona$1,742
Arkansas$1,815
California$1,682
Colorado$2,051
Connecticut$3,926
Delaware$4,147
District of Columbia$2,965
Florida$2,292
Georgia$1,833
Hawaii$434
Idaho$1,277
Illinois$1,502
Indiana$1,907
Iowa$1,155
Kansas$1,243
Kentucky$2,005
Louisiana$2,519
Maine$1,298
Maryland$2,126
Massachusetts$1,960
Michigan$6,562
Minnesota$2,177
Mississippi$1,677
Missouri$1,373
Montana$1,209
Nebraska$1,252
Nevada$1,829
New Hampshire$1,638
New Jersey$2,566
New Mexico$1,679
New York$1,981
North Carolina$799
North Dakota$1,209
Ohio$1,701
Oklahoma$2,051
Oregon$2,865
Pennsylvania$1,408
Rhode Island$2,480
South Carolina$1,692
South Dakota$1,256
Tennessee$1,973
Texas$1,929
Utah$1,843
Vermont$1,218
Virginia$1,509
Washington$1,845
West Virginia$1,612
Wisconsin$1,779
Wyoming$1,139

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.

StateAverage Insurance Rates
Alabama$1,303
Alaska$1,012
Arizona$1,544
Arkansas$1,468
California$1,435
Colorado$1,642
Connecticut$2,768
Delaware$2,997
District of Columbia$2,684
Florida$2,066
Georgia$1,537
Hawaii$434
Idaho$1,125
Illinois$1,186
Indiana$1,508
Iowa$1,033
Kansas$1,155
Kentucky$1,459
Louisiana$2,090
Maine$1,230
Maryland$1,731
Massachusetts$2,260
Michigan$6,633
Minnesota$2,160
Mississippi$1,560
Missouri$1,132
Montana$1,204
Nebraska$1,113
Nevada$1,529
New Hampshire$1,273
New Jersey$2,225
New Mexico$1,307
New York$1,594
North Carolina$822
North Dakota$1,124
Ohio$1,401
Oklahoma$1,683
Oregon$2,776
Pennsylvania$1,339
Rhode Island$2,321
South Carolina$1,565
South Dakota$1,058
Tennessee$1,504
Texas$1,731
Utah$1,728
Vermont$1,011
Virginia$1,171
Washington$1,551
West Virginia$1,413
Wisconsin$1,482
Wyoming$899

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.