Cheap Car Insurance For A 17-Year-Old

What to Know

• 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.

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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 affect car insurance rates 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 (like a 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 rates 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?

How much is car insurance for a 17-year-old female a month? 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 17-year-old to car insurance or add a 16-year-old teenager to car insurance, though? Fortunately, when teens are added to 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. Rates 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? Is it better to add a teen to the parent’s car insurance policy?

Ultimately, cheap car insurance for 17-year-old females and males is only possible by getting insured on their parents’ auto policy.

Although it’s cheaper, it might not be a good idea to add a 17-year-old to your auto insurance policy. If the teen doesn’t live with you or has a poor driving history, adding them to your policy might raise your rates across the board. You could be better off letting them get their own car insurance.

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 rates 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.

What are the 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.

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.

How much is 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.

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.

How much is 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.

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 rates.

Can you get liability-only car insurance for 17-year-olds?

One of the cheapest 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.

What’s the cost of 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.

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 rate and better policy when added to a parent’s plan.

What’s the cost of 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.

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, rates could be even lower if they’re added to their parents’ plan.

Can you use discounts for 17-year-old drivers?

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.

What’s the state minimum car insurance coverage for teens?

In each state, drivers may see that their average costs vary depending on where they live. This is no different for teen drivers. The table below shows the minimum insurance coverage each driver must carry per state.

The minimums are the same for teenagers as they are for older drivers.

Can a 17-year-old get car insurance on their own?

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.

How can you find the best car insurance for a 17-year-old?

How do you 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 a 17-year-old male and female drivers.

Is car insurance cheaper on an older used car?

What are 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 rates 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, air bags, 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.

What discounts should you ask for?

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.

Does maintain a clean driving history lower car insurance rates?

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

Should you limit driving time for young drivers?

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.

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 more affordable auto insurance for a 17-year-old.

How do 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.

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.

What are the rules for 17-year-old drivers?

Most states have graduated licensing rules called for drivers until they turn 18. These rules put restrictions on drivers and slowly give them more freedom as they drive and age. Some of these rules are:

• What time of day they are allowed to drive by themselves
• How many people they can have in the car with them
• Ages of passengers
• Limited destinations like school and work
• No cellphone use while driving

These rules are put in place to help young drivers become safe, responsible drivers. Each state has different laws and rules so make sure you do your research.

How can you help with teen driver safety?

Speak with your teen about safe driving and, most importantly, set a good example.

Distracted driving is a huge problem. Teens should not use a cellphone while driving, and they should also not be eating, playing with the radio, or any other activity that takes their attention from the road.

It’s also important that you follow your state’s graduated licensing laws. Giving teen drivers freedom and increasing their driving distances slowly can help create safe drivers.

How can you get 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. Which car insurance company for 17-year-olds is for you? Find out now.

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References:

1. https://www.kbb.com/company/faq/values/